Century 21 Centaland Property

Down Payment (HKD)

$14,600,000

Monthly Repayment (HKD)

$94,432

Loan Amount (HKD)

$21,900,000

Total Interest (HKD)

$6,429,505

Total Repayment (HKD)

$28,329,505

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$94,432	$39,238	$55,194	$21,844,806
1	2	$94,432	$39,139	$55,293	$21,789,513
1	3	$94,432	$39,040	$55,392	$21,734,121
1	4	$94,432	$38,940	$55,491	$21,678,629
1	5	$94,432	$38,841	$55,591	$21,623,038
1	6	$94,432	$38,741	$55,690	$21,567,348
1	7	$94,432	$38,641	$55,790	$21,511,558
1	8	$94,432	$38,542	$55,890	$21,455,668
1	9	$94,432	$38,441	$55,990	$21,399,677
1	10	$94,432	$38,341	$56,091	$21,343,587
1	11	$94,432	$38,241	$56,191	$21,287,396
1	12	$94,432	$38,140	$56,292	$21,231,104
2	13	$94,432	$38,039	$56,393	$21,174,711
2	14	$94,432	$37,938	$56,494	$21,118,218
2	15	$94,432	$37,837	$56,595	$21,061,623
2	16	$94,432	$37,735	$56,696	$21,004,927
2	17	$94,432	$37,634	$56,798	$20,948,129
2	18	$94,432	$37,532	$56,900	$20,891,229
2	19	$94,432	$37,430	$57,002	$20,834,227
2	20	$94,432	$37,328	$57,104	$20,777,124
2	21	$94,432	$37,226	$57,206	$20,719,918
2	22	$94,432	$37,123	$57,308	$20,662,609
2	23	$94,432	$37,021	$57,411	$20,605,198
2	24	$94,432	$36,918	$57,514	$20,547,684
3	25	$94,432	$36,815	$57,617	$20,490,067
3	26	$94,432	$36,711	$57,720	$20,432,347
3	27	$94,432	$36,608	$57,824	$20,374,523
3	28	$94,432	$36,504	$57,927	$20,316,596
3	29	$94,432	$36,401	$58,031	$20,258,564
3	30	$94,432	$36,297	$58,135	$20,200,429
3	31	$94,432	$36,192	$58,239	$20,142,190
3	32	$94,432	$36,088	$58,344	$20,083,847
3	33	$94,432	$35,984	$58,448	$20,025,398
3	34	$94,432	$35,879	$58,553	$19,966,846
3	35	$94,432	$35,774	$58,658	$19,908,188
3	36	$94,432	$35,669	$58,763	$19,849,425
4	37	$94,432	$35,564	$58,868	$19,790,557
4	38	$94,432	$35,458	$58,974	$19,731,583
4	39	$94,432	$35,352	$59,079	$19,672,504
4	40	$94,432	$35,247	$59,185	$19,613,319
4	41	$94,432	$35,141	$59,291	$19,554,028
4	42	$94,432	$35,034	$59,397	$19,494,630
4	43	$94,432	$34,928	$59,504	$19,435,127
4	44	$94,432	$34,821	$59,610	$19,375,516
4	45	$94,432	$34,714	$59,717	$19,315,799
4	46	$94,432	$34,607	$59,824	$19,255,975
4	47	$94,432	$34,500	$59,931	$19,196,043
4	48	$94,432	$34,393	$60,039	$19,136,004
5	49	$94,432	$34,285	$60,146	$19,075,858
5	50	$94,432	$34,178	$60,254	$19,015,604
5	51	$94,432	$34,070	$60,362	$18,955,242
5	52	$94,432	$33,961	$60,470	$18,894,772
5	53	$94,432	$33,853	$60,579	$18,834,193
5	54	$94,432	$33,745	$60,687	$18,773,506
5	55	$94,432	$33,636	$60,796	$18,712,710
5	56	$94,432	$33,527	$60,905	$18,651,806
5	57	$94,432	$33,418	$61,014	$18,590,792
5	58	$94,432	$33,309	$61,123	$18,529,669
5	59	$94,432	$33,199	$61,233	$18,468,436
5	60	$94,432	$33,089	$61,342	$18,407,093
6	61	$94,432	$32,979	$61,452	$18,345,641
6	62	$94,432	$32,869	$61,562	$18,284,079
6	63	$94,432	$32,759	$61,673	$18,222,406
6	64	$94,432	$32,648	$61,783	$18,160,623
6	65	$94,432	$32,538	$61,894	$18,098,729
6	66	$94,432	$32,427	$62,005	$18,036,724
6	67	$94,432	$32,316	$62,116	$17,974,608
6	68	$94,432	$32,205	$62,227	$17,912,381
6	69	$94,432	$32,093	$62,339	$17,850,042
6	70	$94,432	$31,981	$62,450	$17,787,592
6	71	$94,432	$31,869	$62,562	$17,725,030
6	72	$94,432	$31,757	$62,674	$17,662,355
7	73	$94,432	$31,645	$62,787	$17,599,569
7	74	$94,432	$31,533	$62,899	$17,536,670
7	75	$94,432	$31,420	$63,012	$17,473,658
7	76	$94,432	$31,307	$63,125	$17,410,533
7	77	$94,432	$31,194	$63,238	$17,347,295
7	78	$94,432	$31,081	$63,351	$17,283,944
7	79	$94,432	$30,967	$63,465	$17,220,480
7	80	$94,432	$30,853	$63,578	$17,156,901
7	81	$94,432	$30,739	$63,692	$17,093,209
7	82	$94,432	$30,625	$63,806	$17,029,403
7	83	$94,432	$30,511	$63,921	$16,965,482
7	84	$94,432	$30,396	$64,035	$16,901,447
8	85	$94,432	$30,282	$64,150	$16,837,297
8	86	$94,432	$30,167	$64,265	$16,773,032
8	87	$94,432	$30,052	$64,380	$16,708,652
8	88	$94,432	$29,936	$64,495	$16,644,157
8	89	$94,432	$29,821	$64,611	$16,579,546
8	90	$94,432	$29,705	$64,727	$16,514,819
8	91	$94,432	$29,589	$64,843	$16,449,976
8	92	$94,432	$29,473	$64,959	$16,385,018
8	93	$94,432	$29,356	$65,075	$16,319,942
8	94	$94,432	$29,240	$65,192	$16,254,751
8	95	$94,432	$29,123	$65,309	$16,189,442
8	96	$94,432	$29,006	$65,426	$16,124,016
9	97	$94,432	$28,889	$65,543	$16,058,474
9	98	$94,432	$28,771	$65,660	$15,992,813
9	99	$94,432	$28,654	$65,778	$15,927,036
9	100	$94,432	$28,536	$65,896	$15,861,140
9	101	$94,432	$28,418	$66,014	$15,795,126
9	102	$94,432	$28,300	$66,132	$15,728,994
9	103	$94,432	$28,181	$66,251	$15,662,743
9	104	$94,432	$28,062	$66,369	$15,596,374
9	105	$94,432	$27,944	$66,488	$15,529,886
9	106	$94,432	$27,824	$66,607	$15,463,279
9	107	$94,432	$27,705	$66,727	$15,396,552
9	108	$94,432	$27,585	$66,846	$15,329,706
10	109	$94,432	$27,466	$66,966	$15,262,740
10	110	$94,432	$27,346	$67,086	$15,195,654
10	111	$94,432	$27,226	$67,206	$15,128,448
10	112	$94,432	$27,105	$67,327	$15,061,121
10	113	$94,432	$26,985	$67,447	$14,993,674
10	114	$94,432	$26,864	$67,568	$14,926,106
10	115	$94,432	$26,743	$67,689	$14,858,417
10	116	$94,432	$26,621	$67,810	$14,790,606
10	117	$94,432	$26,500	$67,932	$14,722,675
10	118	$94,432	$26,378	$68,054	$14,654,621
10	119	$94,432	$26,256	$68,175	$14,586,446
10	120	$94,432	$26,134	$68,298	$14,518,148
11	121	$94,432	$26,012	$68,420	$14,449,728
11	122	$94,432	$25,889	$68,543	$14,381,185
11	123	$94,432	$25,766	$68,665	$14,312,520
11	124	$94,432	$25,643	$68,788	$14,243,732
11	125	$94,432	$25,520	$68,912	$14,174,820
11	126	$94,432	$25,397	$69,035	$14,105,785
11	127	$94,432	$25,273	$69,159	$14,036,626
11	128	$94,432	$25,149	$69,283	$13,967,343
11	129	$94,432	$25,025	$69,407	$13,897,936
11	130	$94,432	$24,900	$69,531	$13,828,405
11	131	$94,432	$24,776	$69,656	$13,758,749
11	132	$94,432	$24,651	$69,781	$13,688,969
12	133	$94,432	$24,526	$69,906	$13,619,063
12	134	$94,432	$24,401	$70,031	$13,549,032
12	135	$94,432	$24,275	$70,156	$13,478,876
12	136	$94,432	$24,150	$70,282	$13,408,594
12	137	$94,432	$24,024	$70,408	$13,338,186
12	138	$94,432	$23,898	$70,534	$13,267,652
12	139	$94,432	$23,771	$70,660	$13,196,991
12	140	$94,432	$23,645	$70,787	$13,126,204
12	141	$94,432	$23,518	$70,914	$13,055,290
12	142	$94,432	$23,391	$71,041	$12,984,249
12	143	$94,432	$23,263	$71,168	$12,913,081
12	144	$94,432	$23,136	$71,296	$12,841,785
13	145	$94,432	$23,008	$71,423	$12,770,362
13	146	$94,432	$22,880	$71,551	$12,698,811
13	147	$94,432	$22,752	$71,680	$12,627,131
13	148	$94,432	$22,624	$71,808	$12,555,323
13	149	$94,432	$22,495	$71,937	$12,483,386
13	150	$94,432	$22,366	$72,066	$12,411,320
13	151	$94,432	$22,237	$72,195	$12,339,126
13	152	$94,432	$22,108	$72,324	$12,266,802
13	153	$94,432	$21,978	$72,454	$12,194,348
13	154	$94,432	$21,848	$72,583	$12,121,764
13	155	$94,432	$21,718	$72,714	$12,049,051
13	156	$94,432	$21,588	$72,844	$11,976,207
14	157	$94,432	$21,457	$72,974	$11,903,233
14	158	$94,432	$21,327	$73,105	$11,830,128
14	159	$94,432	$21,196	$73,236	$11,756,892
14	160	$94,432	$21,064	$73,367	$11,683,524
14	161	$94,432	$20,933	$73,499	$11,610,026
14	162	$94,432	$20,801	$73,630	$11,536,395
14	163	$94,432	$20,669	$73,762	$11,462,633
14	164	$94,432	$20,537	$73,894	$11,388,739
14	165	$94,432	$20,405	$74,027	$11,314,712
14	166	$94,432	$20,272	$74,159	$11,240,552
14	167	$94,432	$20,139	$74,292	$11,166,260
14	168	$94,432	$20,006	$74,425	$11,091,834
15	169	$94,432	$19,873	$74,559	$11,017,276
15	170	$94,432	$19,739	$74,692	$10,942,583
15	171	$94,432	$19,605	$74,826	$10,867,757
15	172	$94,432	$19,471	$74,960	$10,792,797
15	173	$94,432	$19,337	$75,095	$10,717,702
15	174	$94,432	$19,203	$75,229	$10,642,473
15	175	$94,432	$19,068	$75,364	$10,567,109
15	176	$94,432	$18,933	$75,499	$10,491,610
15	177	$94,432	$18,797	$75,634	$10,415,976
15	178	$94,432	$18,662	$75,770	$10,340,206
15	179	$94,432	$18,526	$75,905	$10,264,301
15	180	$94,432	$18,390	$76,041	$10,188,259
16	181	$94,432	$18,254	$76,178	$10,112,081
16	182	$94,432	$18,117	$76,314	$10,035,767
16	183	$94,432	$17,981	$76,451	$9,959,316
16	184	$94,432	$17,844	$76,588	$9,882,728
16	185	$94,432	$17,707	$76,725	$9,806,003
16	186	$94,432	$17,569	$76,863	$9,729,141
16	187	$94,432	$17,431	$77,000	$9,652,140
16	188	$94,432	$17,293	$77,138	$9,575,002
16	189	$94,432	$17,155	$77,276	$9,497,726
16	190	$94,432	$17,017	$77,415	$9,420,311
16	191	$94,432	$16,878	$77,554	$9,342,757
16	192	$94,432	$16,739	$77,693	$9,265,065
17	193	$94,432	$16,600	$77,832	$9,187,233
17	194	$94,432	$16,460	$77,971	$9,109,262
17	195	$94,432	$16,321	$78,111	$9,031,151
17	196	$94,432	$16,181	$78,251	$8,952,900
17	197	$94,432	$16,041	$78,391	$8,874,509
17	198	$94,432	$15,900	$78,532	$8,795,977
17	199	$94,432	$15,759	$78,672	$8,717,305
17	200	$94,432	$15,619	$78,813	$8,638,492
17	201	$94,432	$15,477	$78,954	$8,559,537
17	202	$94,432	$15,336	$79,096	$8,480,442
17	203	$94,432	$15,194	$79,238	$8,401,204
17	204	$94,432	$15,052	$79,380	$8,321,824
18	205	$94,432	$14,910	$79,522	$8,242,303
18	206	$94,432	$14,767	$79,664	$8,162,638
18	207	$94,432	$14,625	$79,807	$8,082,831
18	208	$94,432	$14,482	$79,950	$8,002,882
18	209	$94,432	$14,338	$80,093	$7,922,788
18	210	$94,432	$14,195	$80,237	$7,842,552
18	211	$94,432	$14,051	$80,380	$7,762,171
18	212	$94,432	$13,907	$80,524	$7,681,647
18	213	$94,432	$13,763	$80,669	$7,600,978
18	214	$94,432	$13,618	$80,813	$7,520,165
18	215	$94,432	$13,474	$80,958	$7,439,207
18	216	$94,432	$13,329	$81,103	$7,358,104
19	217	$94,432	$13,183	$81,248	$7,276,855
19	218	$94,432	$13,038	$81,394	$7,195,461
19	219	$94,432	$12,892	$81,540	$7,113,921
19	220	$94,432	$12,746	$81,686	$7,032,235
19	221	$94,432	$12,599	$81,832	$6,950,403
19	222	$94,432	$12,453	$81,979	$6,868,424
19	223	$94,432	$12,306	$82,126	$6,786,299
19	224	$94,432	$12,159	$82,273	$6,704,026
19	225	$94,432	$12,011	$82,420	$6,621,605
19	226	$94,432	$11,864	$82,568	$6,539,037
19	227	$94,432	$11,716	$82,716	$6,456,321
19	228	$94,432	$11,568	$82,864	$6,373,457
20	229	$94,432	$11,419	$83,013	$6,290,445
20	230	$94,432	$11,270	$83,161	$6,207,284
20	231	$94,432	$11,121	$83,310	$6,123,973
20	232	$94,432	$10,972	$83,460	$6,040,514
20	233	$94,432	$10,823	$83,609	$5,956,905
20	234	$94,432	$10,673	$83,759	$5,873,146
20	235	$94,432	$10,523	$83,909	$5,789,237
20	236	$94,432	$10,372	$84,059	$5,705,177
20	237	$94,432	$10,222	$84,210	$5,620,967
20	238	$94,432	$10,071	$84,361	$5,536,607
20	239	$94,432	$9,920	$84,512	$5,452,095
20	240	$94,432	$9,768	$84,663	$5,367,431
21	241	$94,432	$9,617	$84,815	$5,282,616
21	242	$94,432	$9,465	$84,967	$5,197,649
21	243	$94,432	$9,312	$85,119	$5,112,530
21	244	$94,432	$9,160	$85,272	$5,027,258
21	245	$94,432	$9,007	$85,425	$4,941,834
21	246	$94,432	$8,854	$85,578	$4,856,256
21	247	$94,432	$8,701	$85,731	$4,770,525
21	248	$94,432	$8,547	$85,884	$4,684,641
21	249	$94,432	$8,393	$86,038	$4,598,603
21	250	$94,432	$8,239	$86,193	$4,512,410
21	251	$94,432	$8,085	$86,347	$4,426,063
21	252	$94,432	$7,930	$86,502	$4,339,561
22	253	$94,432	$7,775	$86,657	$4,252,905
22	254	$94,432	$7,620	$86,812	$4,166,093
22	255	$94,432	$7,464	$86,967	$4,079,125
22	256	$94,432	$7,308	$87,123	$3,992,002
22	257	$94,432	$7,152	$87,279	$3,904,723
22	258	$94,432	$6,996	$87,436	$3,817,287
22	259	$94,432	$6,839	$87,592	$3,729,695
22	260	$94,432	$6,682	$87,749	$3,641,945
22	261	$94,432	$6,525	$87,907	$3,554,039
22	262	$94,432	$6,368	$88,064	$3,465,975
22	263	$94,432	$6,210	$88,222	$3,377,753
22	264	$94,432	$6,052	$88,380	$3,289,373
23	265	$94,432	$5,893	$88,538	$3,200,835
23	266	$94,432	$5,735	$88,697	$3,112,138
23	267	$94,432	$5,576	$88,856	$3,023,282
23	268	$94,432	$5,417	$89,015	$2,934,267
23	269	$94,432	$5,257	$89,174	$2,845,093
23	270	$94,432	$5,097	$89,334	$2,755,759
23	271	$94,432	$4,937	$89,494	$2,666,264
23	272	$94,432	$4,777	$89,655	$2,576,610
23	273	$94,432	$4,616	$89,815	$2,486,795
23	274	$94,432	$4,456	$89,976	$2,396,818
23	275	$94,432	$4,294	$90,137	$2,306,681
23	276	$94,432	$4,133	$90,299	$2,216,382
24	277	$94,432	$3,971	$90,461	$2,125,921
24	278	$94,432	$3,809	$90,623	$2,035,299
24	279	$94,432	$3,647	$90,785	$1,944,514
24	280	$94,432	$3,484	$90,948	$1,853,566
24	281	$94,432	$3,321	$91,111	$1,762,455
24	282	$94,432	$3,158	$91,274	$1,671,181
24	283	$94,432	$2,994	$91,437	$1,579,744
24	284	$94,432	$2,830	$91,601	$1,488,142
24	285	$94,432	$2,666	$91,765	$1,396,377
24	286	$94,432	$2,502	$91,930	$1,304,447
24	287	$94,432	$2,337	$92,095	$1,212,353
24	288	$94,432	$2,172	$92,260	$1,120,093
25	289	$94,432	$2,007	$92,425	$1,027,668
25	290	$94,432	$1,841	$92,590	$935,078
25	291	$94,432	$1,675	$92,756	$842,321
25	292	$94,432	$1,509	$92,923	$749,399
25	293	$94,432	$1,343	$93,089	$656,310
25	294	$94,432	$1,176	$93,256	$563,054
25	295	$94,432	$1,009	$93,423	$469,631
25	296	$94,432	$841	$93,590	$376,041
25	297	$94,432	$674	$93,758	$282,283
25	298	$94,432	$506	$93,926	$188,357
25	299	$94,432	$337	$94,094	$94,263
25	300	$94,432	$169	$94,263	$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$ 14,600,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 14,965,000

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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.