Century 21 Centaland Property

Down Payment (HKD)

$10,400,000

Monthly Repayment (HKD)

$67,266

Loan Amount (HKD)

$15,600,000

Total Interest (HKD)

$4,579,922

Total Repayment (HKD)

$20,179,922

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$67,266	$27,950	$39,316	$15,560,684
1	2	$67,266	$27,880	$39,387	$15,521,297
1	3	$67,266	$27,809	$39,457	$15,481,839
1	4	$67,266	$27,738	$39,528	$15,442,311
1	5	$67,266	$27,667	$39,599	$15,402,712
1	6	$67,266	$27,597	$39,670	$15,363,042
1	7	$67,266	$27,525	$39,741	$15,323,301
1	8	$67,266	$27,454	$39,812	$15,283,489
1	9	$67,266	$27,383	$39,883	$15,243,606
1	10	$67,266	$27,311	$39,955	$15,203,651
1	11	$67,266	$27,240	$40,027	$15,163,624
1	12	$67,266	$27,168	$40,098	$15,123,526
2	13	$67,266	$27,096	$40,170	$15,083,356
2	14	$67,266	$27,024	$40,242	$15,043,114
2	15	$67,266	$26,952	$40,314	$15,002,800
2	16	$67,266	$26,880	$40,386	$14,962,413
2	17	$67,266	$26,808	$40,459	$14,921,955
2	18	$67,266	$26,735	$40,531	$14,881,423
2	19	$67,266	$26,663	$40,604	$14,840,820
2	20	$67,266	$26,590	$40,677	$14,800,143
2	21	$67,266	$26,517	$40,749	$14,759,393
2	22	$67,266	$26,444	$40,822	$14,718,571
2	23	$67,266	$26,371	$40,896	$14,677,675
2	24	$67,266	$26,298	$40,969	$14,636,706
3	25	$67,266	$26,224	$41,042	$14,595,664
3	26	$67,266	$26,151	$41,116	$14,554,548
3	27	$67,266	$26,077	$41,190	$14,513,359
3	28	$67,266	$26,003	$41,263	$14,472,095
3	29	$67,266	$25,929	$41,337	$14,430,758
3	30	$67,266	$25,855	$41,411	$14,389,347
3	31	$67,266	$25,781	$41,485	$14,347,861
3	32	$67,266	$25,707	$41,560	$14,306,302
3	33	$67,266	$25,632	$41,634	$14,264,667
3	34	$67,266	$25,558	$41,709	$14,222,958
3	35	$67,266	$25,483	$41,784	$14,181,175
3	36	$67,266	$25,408	$41,858	$14,139,316
4	37	$67,266	$25,333	$41,933	$14,097,383
4	38	$67,266	$25,258	$42,009	$14,055,374
4	39	$67,266	$25,183	$42,084	$14,013,290
4	40	$67,266	$25,107	$42,159	$13,971,131
4	41	$67,266	$25,032	$42,235	$13,928,896
4	42	$67,266	$24,956	$42,310	$13,886,586
4	43	$67,266	$24,880	$42,386	$13,844,200
4	44	$67,266	$24,804	$42,462	$13,801,737
4	45	$67,266	$24,728	$42,538	$13,759,199
4	46	$67,266	$24,652	$42,615	$13,716,585
4	47	$67,266	$24,576	$42,691	$13,673,894
4	48	$67,266	$24,499	$42,767	$13,631,126
5	49	$67,266	$24,422	$42,844	$13,588,283
5	50	$67,266	$24,346	$42,921	$13,545,362
5	51	$67,266	$24,269	$42,998	$13,502,364
5	52	$67,266	$24,192	$43,075	$13,459,289
5	53	$67,266	$24,115	$43,152	$13,416,138
5	54	$67,266	$24,037	$43,229	$13,372,908
5	55	$67,266	$23,960	$43,307	$13,329,602
5	56	$67,266	$23,882	$43,384	$13,286,218
5	57	$67,266	$23,804	$43,462	$13,242,756
5	58	$67,266	$23,727	$43,540	$13,199,216
5	59	$67,266	$23,649	$43,618	$13,155,598
5	60	$67,266	$23,570	$43,696	$13,111,902
6	61	$67,266	$23,492	$43,774	$13,068,128
6	62	$67,266	$23,414	$43,853	$13,024,275
6	63	$67,266	$23,335	$43,931	$12,980,344
6	64	$67,266	$23,256	$44,010	$12,936,334
6	65	$67,266	$23,178	$44,089	$12,892,245
6	66	$67,266	$23,099	$44,168	$12,848,077
6	67	$67,266	$23,019	$44,247	$12,803,830
6	68	$67,266	$22,940	$44,326	$12,759,504
6	69	$67,266	$22,861	$44,406	$12,715,099
6	70	$67,266	$22,781	$44,485	$12,670,613
6	71	$67,266	$22,702	$44,565	$12,626,049
6	72	$67,266	$22,622	$44,645	$12,581,404
7	73	$67,266	$22,542	$44,725	$12,536,679
7	74	$67,266	$22,462	$44,805	$12,491,874
7	75	$67,266	$22,381	$44,885	$12,446,989
7	76	$67,266	$22,301	$44,966	$12,402,024
7	77	$67,266	$22,220	$45,046	$12,356,977
7	78	$67,266	$22,140	$45,127	$12,311,851
7	79	$67,266	$22,059	$45,208	$12,266,643
7	80	$67,266	$21,978	$45,289	$12,221,354
7	81	$67,266	$21,897	$45,370	$12,175,985
7	82	$67,266	$21,815	$45,451	$12,130,533
7	83	$67,266	$21,734	$45,533	$12,085,001
7	84	$67,266	$21,652	$45,614	$12,039,387
8	85	$67,266	$21,571	$45,696	$11,993,691
8	86	$67,266	$21,489	$45,778	$11,947,913
8	87	$67,266	$21,407	$45,860	$11,902,053
8	88	$67,266	$21,325	$45,942	$11,856,112
8	89	$67,266	$21,242	$46,024	$11,810,087
8	90	$67,266	$21,160	$46,107	$11,763,981
8	91	$67,266	$21,077	$46,189	$11,717,791
8	92	$67,266	$20,994	$46,272	$11,671,519
8	93	$67,266	$20,911	$46,355	$11,625,164
8	94	$67,266	$20,828	$46,438	$11,578,727
8	95	$67,266	$20,745	$46,521	$11,532,205
8	96	$67,266	$20,662	$46,605	$11,485,601
9	97	$67,266	$20,578	$46,688	$11,438,913
9	98	$67,266	$20,495	$46,772	$11,392,141
9	99	$67,266	$20,411	$46,855	$11,345,286
9	100	$67,266	$20,327	$46,939	$11,298,346
9	101	$67,266	$20,243	$47,024	$11,251,323
9	102	$67,266	$20,159	$47,108	$11,204,215
9	103	$67,266	$20,074	$47,192	$11,157,023
9	104	$67,266	$19,990	$47,277	$11,109,746
9	105	$67,266	$19,905	$47,361	$11,062,384
9	106	$67,266	$19,820	$47,446	$11,014,938
9	107	$67,266	$19,735	$47,531	$10,967,407
9	108	$67,266	$19,650	$47,616	$10,919,790
10	109	$67,266	$19,565	$47,702	$10,872,089
10	110	$67,266	$19,479	$47,787	$10,824,301
10	111	$67,266	$19,394	$47,873	$10,776,428
10	112	$67,266	$19,308	$47,959	$10,728,470
10	113	$67,266	$19,222	$48,045	$10,680,425
10	114	$67,266	$19,136	$48,131	$10,632,295
10	115	$67,266	$19,050	$48,217	$10,584,078
10	116	$67,266	$18,963	$48,303	$10,535,774
10	117	$67,266	$18,877	$48,390	$10,487,385
10	118	$67,266	$18,790	$48,477	$10,438,908
10	119	$67,266	$18,703	$48,563	$10,390,345
10	120	$67,266	$18,616	$48,650	$10,341,694
11	121	$67,266	$18,529	$48,738	$10,292,957
11	122	$67,266	$18,442	$48,825	$10,244,132
11	123	$67,266	$18,354	$48,912	$10,195,220
11	124	$67,266	$18,266	$49,000	$10,146,220
11	125	$67,266	$18,179	$49,088	$10,097,132
11	126	$67,266	$18,091	$49,176	$10,047,956
11	127	$67,266	$18,003	$49,264	$9,998,692
11	128	$67,266	$17,914	$49,352	$9,949,340
11	129	$67,266	$17,826	$49,441	$9,899,900
11	130	$67,266	$17,737	$49,529	$9,850,371
11	131	$67,266	$17,649	$49,618	$9,800,753
11	132	$67,266	$17,560	$49,707	$9,751,046
12	133	$67,266	$17,471	$49,796	$9,701,250
12	134	$67,266	$17,381	$49,885	$9,651,365
12	135	$67,266	$17,292	$49,974	$9,601,391
12	136	$67,266	$17,202	$50,064	$9,551,327
12	137	$67,266	$17,113	$50,154	$9,501,174
12	138	$67,266	$17,023	$50,243	$9,450,930
12	139	$67,266	$16,933	$50,333	$9,400,597
12	140	$67,266	$16,843	$50,424	$9,350,173
12	141	$67,266	$16,752	$50,514	$9,299,659
12	142	$67,266	$16,662	$50,605	$9,249,054
12	143	$67,266	$16,571	$50,695	$9,198,359
12	144	$67,266	$16,480	$50,786	$9,147,573
13	145	$67,266	$16,389	$50,877	$9,096,696
13	146	$67,266	$16,298	$50,968	$9,045,728
13	147	$67,266	$16,207	$51,059	$8,994,669
13	148	$67,266	$16,115	$51,151	$8,943,518
13	149	$67,266	$16,024	$51,243	$8,892,275
13	150	$67,266	$15,932	$51,334	$8,840,941
13	151	$67,266	$15,840	$51,426	$8,789,514
13	152	$67,266	$15,748	$51,519	$8,737,996
13	153	$67,266	$15,656	$51,611	$8,686,385
13	154	$67,266	$15,563	$51,703	$8,634,682
13	155	$67,266	$15,470	$51,796	$8,582,886
13	156	$67,266	$15,378	$51,889	$8,530,997
14	157	$67,266	$15,285	$51,982	$8,479,015
14	158	$67,266	$15,192	$52,075	$8,426,940
14	159	$67,266	$15,098	$52,168	$8,374,772
14	160	$67,266	$15,005	$52,262	$8,322,511
14	161	$67,266	$14,911	$52,355	$8,270,155
14	162	$67,266	$14,817	$52,449	$8,217,706
14	163	$67,266	$14,723	$52,543	$8,165,163
14	164	$67,266	$14,629	$52,637	$8,112,526
14	165	$67,266	$14,535	$52,731	$8,059,795
14	166	$67,266	$14,440	$52,826	$8,006,969
14	167	$67,266	$14,346	$52,921	$7,954,048
14	168	$67,266	$14,251	$53,015	$7,901,033
15	169	$67,266	$14,156	$53,110	$7,847,922
15	170	$67,266	$14,061	$53,206	$7,794,717
15	171	$67,266	$13,966	$53,301	$7,741,416
15	172	$67,266	$13,870	$53,396	$7,688,020
15	173	$67,266	$13,774	$53,492	$7,634,528
15	174	$67,266	$13,679	$53,588	$7,580,940
15	175	$67,266	$13,583	$53,684	$7,527,256
15	176	$67,266	$13,486	$53,780	$7,473,476
15	177	$67,266	$13,390	$53,876	$7,419,599
15	178	$67,266	$13,293	$53,973	$7,365,626
15	179	$67,266	$13,197	$54,070	$7,311,557
15	180	$67,266	$13,100	$54,167	$7,257,390
16	181	$67,266	$13,003	$54,264	$7,203,127
16	182	$67,266	$12,906	$54,361	$7,148,766
16	183	$67,266	$12,808	$54,458	$7,094,308
16	184	$67,266	$12,711	$54,556	$7,039,752
16	185	$67,266	$12,613	$54,654	$6,985,098
16	186	$67,266	$12,515	$54,751	$6,930,347
16	187	$67,266	$12,417	$54,850	$6,875,497
16	188	$67,266	$12,319	$54,948	$6,820,549
16	189	$67,266	$12,220	$55,046	$6,765,503
16	190	$67,266	$12,122	$55,145	$6,710,358
16	191	$67,266	$12,023	$55,244	$6,655,115
16	192	$67,266	$11,924	$55,343	$6,599,772
17	193	$67,266	$11,825	$55,442	$6,544,330
17	194	$67,266	$11,725	$55,541	$6,488,789
17	195	$67,266	$11,626	$55,641	$6,433,148
17	196	$67,266	$11,526	$55,740	$6,377,408
17	197	$67,266	$11,426	$55,840	$6,321,568
17	198	$67,266	$11,326	$55,940	$6,265,628
17	199	$67,266	$11,226	$56,040	$6,209,587
17	200	$67,266	$11,126	$56,141	$6,153,446
17	201	$67,266	$11,025	$56,241	$6,097,205
17	202	$67,266	$10,924	$56,342	$6,040,862
17	203	$67,266	$10,823	$56,443	$5,984,419
17	204	$67,266	$10,722	$56,544	$5,927,875
18	205	$67,266	$10,621	$56,646	$5,871,229
18	206	$67,266	$10,519	$56,747	$5,814,482
18	207	$67,266	$10,418	$56,849	$5,757,633
18	208	$67,266	$10,316	$56,951	$5,700,683
18	209	$67,266	$10,214	$57,053	$5,643,630
18	210	$67,266	$10,112	$57,155	$5,586,475
18	211	$67,266	$10,009	$57,257	$5,529,218
18	212	$67,266	$9,907	$57,360	$5,471,858
18	213	$67,266	$9,804	$57,463	$5,414,395
18	214	$67,266	$9,701	$57,566	$5,356,830
18	215	$67,266	$9,598	$57,669	$5,299,161
18	216	$67,266	$9,494	$57,772	$5,241,389
19	217	$67,266	$9,391	$57,876	$5,183,513
19	218	$67,266	$9,287	$57,979	$5,125,534
19	219	$67,266	$9,183	$58,083	$5,067,451
19	220	$67,266	$9,079	$58,187	$5,009,264
19	221	$67,266	$8,975	$58,291	$4,950,972
19	222	$67,266	$8,870	$58,396	$4,892,576
19	223	$67,266	$8,766	$58,501	$4,834,076
19	224	$67,266	$8,661	$58,605	$4,775,470
19	225	$67,266	$8,556	$58,710	$4,716,760
19	226	$67,266	$8,451	$58,816	$4,657,944
19	227	$67,266	$8,345	$58,921	$4,599,024
19	228	$67,266	$8,240	$59,026	$4,539,997
20	229	$67,266	$8,134	$59,132	$4,480,865
20	230	$67,266	$8,028	$59,238	$4,421,627
20	231	$67,266	$7,922	$59,344	$4,362,282
20	232	$67,266	$7,816	$59,451	$4,302,832
20	233	$67,266	$7,709	$59,557	$4,243,274
20	234	$67,266	$7,603	$59,664	$4,183,611
20	235	$67,266	$7,496	$59,771	$4,123,840
20	236	$67,266	$7,389	$59,878	$4,063,962
20	237	$67,266	$7,281	$59,985	$4,003,977
20	238	$67,266	$7,174	$60,093	$3,943,884
20	239	$67,266	$7,066	$60,200	$3,883,684
20	240	$67,266	$6,958	$60,308	$3,823,376
21	241	$67,266	$6,850	$60,416	$3,762,960
21	242	$67,266	$6,742	$60,524	$3,702,435
21	243	$67,266	$6,634	$60,633	$3,641,802
21	244	$67,266	$6,525	$60,742	$3,581,061
21	245	$67,266	$6,416	$60,850	$3,520,210
21	246	$67,266	$6,307	$60,959	$3,459,251
21	247	$67,266	$6,198	$61,069	$3,398,183
21	248	$67,266	$6,088	$61,178	$3,337,005
21	249	$67,266	$5,979	$61,288	$3,275,717
21	250	$67,266	$5,869	$61,397	$3,214,319
21	251	$67,266	$5,759	$61,507	$3,152,812
21	252	$67,266	$5,649	$61,618	$3,091,194
22	253	$67,266	$5,538	$61,728	$3,029,466
22	254	$67,266	$5,428	$61,839	$2,967,628
22	255	$67,266	$5,317	$61,949	$2,905,678
22	256	$67,266	$5,206	$62,060	$2,843,618
22	257	$67,266	$5,095	$62,172	$2,781,446
22	258	$67,266	$4,983	$62,283	$2,719,163
22	259	$67,266	$4,872	$62,395	$2,656,769
22	260	$67,266	$4,760	$62,506	$2,594,263
22	261	$67,266	$4,648	$62,618	$2,531,644
22	262	$67,266	$4,536	$62,731	$2,468,914
22	263	$67,266	$4,423	$62,843	$2,406,071
22	264	$67,266	$4,311	$62,956	$2,343,115
23	265	$67,266	$4,198	$63,068	$2,280,047
23	266	$67,266	$4,085	$63,181	$2,216,866
23	267	$67,266	$3,972	$63,295	$2,153,571
23	268	$67,266	$3,858	$63,408	$2,090,163
23	269	$67,266	$3,745	$63,522	$2,026,642
23	270	$67,266	$3,631	$63,635	$1,963,006
23	271	$67,266	$3,517	$63,749	$1,899,257
23	272	$67,266	$3,403	$63,864	$1,835,393
23	273	$67,266	$3,288	$63,978	$1,771,415
23	274	$67,266	$3,174	$64,093	$1,707,323
23	275	$67,266	$3,059	$64,207	$1,643,115
23	276	$67,266	$2,944	$64,322	$1,578,793
24	277	$67,266	$2,829	$64,438	$1,514,355
24	278	$67,266	$2,713	$64,553	$1,449,802
24	279	$67,266	$2,598	$64,669	$1,385,133
24	280	$67,266	$2,482	$64,785	$1,320,348
24	281	$67,266	$2,366	$64,901	$1,255,447
24	282	$67,266	$2,249	$65,017	$1,190,430
24	283	$67,266	$2,133	$65,134	$1,125,297
24	284	$67,266	$2,016	$65,250	$1,060,047
24	285	$67,266	$1,899	$65,367	$994,679
24	286	$67,266	$1,782	$65,484	$929,195
24	287	$67,266	$1,665	$65,602	$863,594
24	288	$67,266	$1,547	$65,719	$797,874
25	289	$67,266	$1,430	$65,837	$732,038
25	290	$67,266	$1,312	$65,955	$666,083
25	291	$67,266	$1,193	$66,073	$600,010
25	292	$67,266	$1,075	$66,191	$533,818
25	293	$67,266	$956	$66,310	$467,508
25	294	$67,266	$838	$66,429	$401,080
25	295	$67,266	$719	$66,548	$334,532
25	296	$67,266	$599	$66,667	$267,865
25	297	$67,266	$480	$66,786	$201,078
25	298	$67,266	$360	$66,906	$134,172
25	299	$67,266	$240	$67,026	$67,146
25	300	$67,266	$120	$67,146	$0

Property Price	HKD


Loan Ratio	%
Interest Ratio	%
Loan Period	Year(s)

	(Scale 2) Ad Valorem Stamp Duty (For First –time and Change* of Residential Property Buyer)
	(New) Ad Valorem Stamp Duty Applicable to all residential property (except that acquired by a Hong Kong Permanent Resident who does not own any other residential property in Hong Kong at the time of acquisition) either by an individual or a company.
	(Scale 1) Ad Valorem Stamp Duty Applicable to all non-residential property, either by an individual or a company.
	BSD Buyer Stamp Duty Applicable to all residential property acquired by any person (including a company incorporated) except a Hong Kong Permanent Resident

Down Payment	HK$ 10,400,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 10,660,000

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	SSD Special Stamp Duty if SSD is paid by vendor, please ignore this option
Remarks: *Change of Residential Property Case: A Hong Kong Permanent Resident may seek a refund of the stamp duty paid in excess of that computed under the old rates upon proof that his only other residential property has been disposed of within six months from the date of agreement to acquire a new residential property. Reminder: The calculation is for reference only and subject to the latest announcement of Inland Revenue Department. For details, please contact our Mortgage Consultant.