Century 21 Centaland Property

Down Payment (HKD)

$48,800,000

Monthly Repayment (HKD)

$315,635

Loan Amount (HKD)

$73,200,000

Total Interest (HKD)

$21,490,401

Total Repayment (HKD)

$94,690,401

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$315,635	$131,150	$184,485	$73,015,515
1	2	$315,635	$130,819	$184,815	$72,830,700
1	3	$315,635	$130,488	$185,146	$72,645,554
1	4	$315,635	$130,157	$185,478	$72,460,076
1	5	$315,635	$129,824	$185,810	$72,274,265
1	6	$315,635	$129,491	$186,143	$72,088,122
1	7	$315,635	$129,158	$186,477	$71,901,645
1	8	$315,635	$128,824	$186,811	$71,714,834
1	9	$315,635	$128,489	$187,146	$71,527,689
1	10	$315,635	$128,154	$187,481	$71,340,208
1	11	$315,635	$127,818	$187,817	$71,152,391
1	12	$315,635	$127,481	$188,153	$70,964,238
2	13	$315,635	$127,144	$188,490	$70,775,747
2	14	$315,635	$126,807	$188,828	$70,586,919
2	15	$315,635	$126,468	$189,166	$70,397,753
2	16	$315,635	$126,129	$189,505	$70,208,247
2	17	$315,635	$125,790	$189,845	$70,018,403
2	18	$315,635	$125,450	$190,185	$69,828,218
2	19	$315,635	$125,109	$190,526	$69,637,692
2	20	$315,635	$124,768	$190,867	$69,446,825
2	21	$315,635	$124,426	$191,209	$69,255,616
2	22	$315,635	$124,083	$191,552	$69,064,064
2	23	$315,635	$123,740	$191,895	$68,872,169
2	24	$315,635	$123,396	$192,239	$68,679,930
3	25	$315,635	$123,052	$192,583	$68,487,347
3	26	$315,635	$122,706	$192,928	$68,294,419
3	27	$315,635	$122,361	$193,274	$68,101,145
3	28	$315,635	$122,015	$193,620	$67,907,525
3	29	$315,635	$121,668	$193,967	$67,713,558
3	30	$315,635	$121,320	$194,315	$67,519,243
3	31	$315,635	$120,972	$194,663	$67,324,581
3	32	$315,635	$120,623	$195,011	$67,129,569
3	33	$315,635	$120,274	$195,361	$66,934,208
3	34	$315,635	$119,924	$195,711	$66,738,498
3	35	$315,635	$119,573	$196,062	$66,542,436
3	36	$315,635	$119,222	$196,413	$66,346,023
4	37	$315,635	$118,870	$196,765	$66,149,258
4	38	$315,635	$118,517	$197,117	$65,952,141
4	39	$315,635	$118,164	$197,470	$65,754,671
4	40	$315,635	$117,810	$197,824	$65,556,847
4	41	$315,635	$117,456	$198,179	$65,358,668
4	42	$315,635	$117,101	$198,534	$65,160,134
4	43	$315,635	$116,745	$198,889	$64,961,245
4	44	$315,635	$116,389	$199,246	$64,761,999
4	45	$315,635	$116,032	$199,603	$64,562,396
4	46	$315,635	$115,674	$199,960	$64,362,436
4	47	$315,635	$115,316	$200,319	$64,162,117
4	48	$315,635	$114,957	$200,678	$63,961,440
5	49	$315,635	$114,598	$201,037	$63,760,403
5	50	$315,635	$114,237	$201,397	$63,559,005
5	51	$315,635	$113,877	$201,758	$63,357,247
5	52	$315,635	$113,515	$202,120	$63,155,128
5	53	$315,635	$113,153	$202,482	$62,952,646
5	54	$315,635	$112,790	$202,845	$62,749,801
5	55	$315,635	$112,427	$203,208	$62,546,593
5	56	$315,635	$112,063	$203,572	$62,343,021
5	57	$315,635	$111,698	$203,937	$62,139,085
5	58	$315,635	$111,333	$204,302	$61,934,782
5	59	$315,635	$110,966	$204,668	$61,730,114
5	60	$315,635	$110,600	$205,035	$61,525,079
6	61	$315,635	$110,232	$205,402	$61,319,677
6	62	$315,635	$109,864	$205,770	$61,113,907
6	63	$315,635	$109,496	$206,139	$60,907,768
6	64	$315,635	$109,126	$206,508	$60,701,260
6	65	$315,635	$108,756	$206,878	$60,494,381
6	66	$315,635	$108,386	$207,249	$60,287,133
6	67	$315,635	$108,014	$207,620	$60,079,512
6	68	$315,635	$107,642	$207,992	$59,871,520
6	69	$315,635	$107,270	$208,365	$59,663,155
6	70	$315,635	$106,896	$208,738	$59,454,417
6	71	$315,635	$106,522	$209,112	$59,245,305
6	72	$315,635	$106,148	$209,487	$59,035,818
7	73	$315,635	$105,773	$209,862	$58,825,956
7	74	$315,635	$105,397	$210,238	$58,615,718
7	75	$315,635	$105,020	$210,615	$58,405,103
7	76	$315,635	$104,642	$210,992	$58,194,111
7	77	$315,635	$104,264	$211,370	$57,982,740
7	78	$315,635	$103,886	$211,749	$57,770,992
7	79	$315,635	$103,506	$212,128	$57,558,863
7	80	$315,635	$103,126	$212,508	$57,346,355
7	81	$315,635	$102,746	$212,889	$57,133,466
7	82	$315,635	$102,364	$213,271	$56,920,195
7	83	$315,635	$101,982	$213,653	$56,706,543
7	84	$315,635	$101,599	$214,035	$56,492,507
8	85	$315,635	$101,216	$214,419	$56,278,088
8	86	$315,635	$100,832	$214,803	$56,063,285
8	87	$315,635	$100,447	$215,188	$55,848,097
8	88	$315,635	$100,061	$215,573	$55,632,524
8	89	$315,635	$99,675	$215,960	$55,416,564
8	90	$315,635	$99,288	$216,347	$55,200,217
8	91	$315,635	$98,900	$216,734	$54,983,483
8	92	$315,635	$98,512	$217,123	$54,766,360
8	93	$315,635	$98,123	$217,512	$54,548,849
8	94	$315,635	$97,733	$217,901	$54,330,947
8	95	$315,635	$97,343	$218,292	$54,112,656
8	96	$315,635	$96,952	$218,683	$53,893,973
9	97	$315,635	$96,560	$219,075	$53,674,898
9	98	$315,635	$96,168	$219,467	$53,455,431
9	99	$315,635	$95,774	$219,860	$53,235,571
9	100	$315,635	$95,380	$220,254	$53,015,316
9	101	$315,635	$94,986	$220,649	$52,794,668
9	102	$315,635	$94,590	$221,044	$52,573,623
9	103	$315,635	$94,194	$221,440	$52,352,183
9	104	$315,635	$93,798	$221,837	$52,130,346
9	105	$315,635	$93,400	$222,234	$51,908,112
9	106	$315,635	$93,002	$222,633	$51,685,479
9	107	$315,635	$92,603	$223,032	$51,462,447
9	108	$315,635	$92,204	$223,431	$51,239,016
10	109	$315,635	$91,803	$223,831	$51,015,185
10	110	$315,635	$91,402	$224,232	$50,790,952
10	111	$315,635	$91,000	$224,634	$50,566,318
10	112	$315,635	$90,598	$225,037	$50,341,282
10	113	$315,635	$90,195	$225,440	$50,115,842
10	114	$315,635	$89,791	$225,844	$49,889,998
10	115	$315,635	$89,386	$226,248	$49,663,749
10	116	$315,635	$88,981	$226,654	$49,437,096
10	117	$315,635	$88,575	$227,060	$49,210,036
10	118	$315,635	$88,168	$227,467	$48,982,569
10	119	$315,635	$87,760	$227,874	$48,754,695
10	120	$315,635	$87,352	$228,283	$48,526,412
11	121	$315,635	$86,943	$228,692	$48,297,721
11	122	$315,635	$86,533	$229,101	$48,068,620
11	123	$315,635	$86,123	$229,512	$47,839,108
11	124	$315,635	$85,712	$229,923	$47,609,185
11	125	$315,635	$85,300	$230,335	$47,378,850
11	126	$315,635	$84,887	$230,748	$47,148,102
11	127	$315,635	$84,474	$231,161	$46,916,941
11	128	$315,635	$84,060	$231,575	$46,685,366
11	129	$315,635	$83,645	$231,990	$46,453,376
11	130	$315,635	$83,229	$232,406	$46,220,971
11	131	$315,635	$82,813	$232,822	$45,988,148
11	132	$315,635	$82,395	$233,239	$45,754,909
12	133	$315,635	$81,978	$233,657	$45,521,252
12	134	$315,635	$81,559	$234,076	$45,287,176
12	135	$315,635	$81,140	$234,495	$45,052,681
12	136	$315,635	$80,719	$234,915	$44,817,766
12	137	$315,635	$80,298	$235,336	$44,582,430
12	138	$315,635	$79,877	$235,758	$44,346,672
12	139	$315,635	$79,454	$236,180	$44,110,492
12	140	$315,635	$79,031	$236,603	$43,873,888
12	141	$315,635	$78,607	$237,027	$43,636,861
12	142	$315,635	$78,183	$237,452	$43,399,409
12	143	$315,635	$77,757	$237,877	$43,161,532
12	144	$315,635	$77,331	$238,304	$42,923,228
13	145	$315,635	$76,904	$238,731	$42,684,498
13	146	$315,635	$76,476	$239,158	$42,445,339
13	147	$315,635	$76,048	$239,587	$42,205,752
13	148	$315,635	$75,619	$240,016	$41,965,736
13	149	$315,635	$75,189	$240,446	$41,725,290
13	150	$315,635	$74,758	$240,877	$41,484,414
13	151	$315,635	$74,326	$241,308	$41,243,105
13	152	$315,635	$73,894	$241,741	$41,001,364
13	153	$315,635	$73,461	$242,174	$40,759,190
13	154	$315,635	$73,027	$242,608	$40,516,583
13	155	$315,635	$72,592	$243,042	$40,273,540
13	156	$315,635	$72,157	$243,478	$40,030,062
14	157	$315,635	$71,721	$243,914	$39,786,148
14	158	$315,635	$71,284	$244,351	$39,541,797
14	159	$315,635	$70,846	$244,789	$39,297,008
14	160	$315,635	$70,407	$245,228	$39,051,780
14	161	$315,635	$69,968	$245,667	$38,806,114
14	162	$315,635	$69,528	$246,107	$38,560,007
14	163	$315,635	$69,087	$246,548	$38,313,459
14	164	$315,635	$68,645	$246,990	$38,066,469
14	165	$315,635	$68,202	$247,432	$37,819,037
14	166	$315,635	$67,759	$247,876	$37,571,161
14	167	$315,635	$67,315	$248,320	$37,322,841
14	168	$315,635	$66,870	$248,765	$37,074,077
15	169	$315,635	$66,424	$249,210	$36,824,866
15	170	$315,635	$65,978	$249,657	$36,575,210
15	171	$315,635	$65,531	$250,104	$36,325,106
15	172	$315,635	$65,082	$250,552	$36,074,553
15	173	$315,635	$64,634	$251,001	$35,823,552
15	174	$315,635	$64,184	$251,451	$35,572,102
15	175	$315,635	$63,733	$251,901	$35,320,200
15	176	$315,635	$63,282	$252,353	$35,067,848
15	177	$315,635	$62,830	$252,805	$34,815,043
15	178	$315,635	$62,377	$253,258	$34,561,785
15	179	$315,635	$61,923	$253,711	$34,308,074
15	180	$315,635	$61,469	$254,166	$34,053,908
16	181	$315,635	$61,013	$254,621	$33,799,286
16	182	$315,635	$60,557	$255,078	$33,544,208
16	183	$315,635	$60,100	$255,535	$33,288,674
16	184	$315,635	$59,642	$255,992	$33,032,681
16	185	$315,635	$59,184	$256,451	$32,776,230
16	186	$315,635	$58,724	$256,911	$32,519,320
16	187	$315,635	$58,264	$257,371	$32,261,949
16	188	$315,635	$57,803	$257,832	$32,004,117
16	189	$315,635	$57,341	$258,294	$31,745,823
16	190	$315,635	$56,878	$258,757	$31,487,066
16	191	$315,635	$56,414	$259,220	$31,227,846
16	192	$315,635	$55,950	$259,685	$30,968,161
17	193	$315,635	$55,485	$260,150	$30,708,011
17	194	$315,635	$55,019	$260,616	$30,447,395
17	195	$315,635	$54,552	$261,083	$30,186,312
17	196	$315,635	$54,084	$261,551	$29,924,761
17	197	$315,635	$53,615	$262,019	$29,662,741
17	198	$315,635	$53,146	$262,489	$29,400,252
17	199	$315,635	$52,675	$262,959	$29,137,293
17	200	$315,635	$52,204	$263,430	$28,873,863
17	201	$315,635	$51,732	$263,902	$28,609,960
17	202	$315,635	$51,260	$264,375	$28,345,585
17	203	$315,635	$50,786	$264,849	$28,080,737
17	204	$315,635	$50,311	$265,323	$27,815,413
18	205	$315,635	$49,836	$265,799	$27,549,614
18	206	$315,635	$49,360	$266,275	$27,283,339
18	207	$315,635	$48,883	$266,752	$27,016,587
18	208	$315,635	$48,405	$267,230	$26,749,358
18	209	$315,635	$47,926	$267,709	$26,481,649
18	210	$315,635	$47,446	$268,188	$26,213,460
18	211	$315,635	$46,966	$268,669	$25,944,791
18	212	$315,635	$46,484	$269,150	$25,675,641
18	213	$315,635	$46,002	$269,632	$25,406,009
18	214	$315,635	$45,519	$270,116	$25,135,893
18	215	$315,635	$45,035	$270,600	$24,865,294
18	216	$315,635	$44,550	$271,084	$24,594,209
19	217	$315,635	$44,065	$271,570	$24,322,639
19	218	$315,635	$43,578	$272,057	$24,050,583
19	219	$315,635	$43,091	$272,544	$23,778,039
19	220	$315,635	$42,602	$273,032	$23,505,006
19	221	$315,635	$42,113	$273,522	$23,231,485
19	222	$315,635	$41,623	$274,012	$22,957,473
19	223	$315,635	$41,132	$274,503	$22,682,971
19	224	$315,635	$40,640	$274,994	$22,407,976
19	225	$315,635	$40,148	$275,487	$22,132,489
19	226	$315,635	$39,654	$275,981	$21,856,509
19	227	$315,635	$39,160	$276,475	$21,580,033
19	228	$315,635	$38,664	$276,970	$21,303,063
20	229	$315,635	$38,168	$277,467	$21,025,596
20	230	$315,635	$37,671	$277,964	$20,747,633
20	231	$315,635	$37,173	$278,462	$20,469,171
20	232	$315,635	$36,674	$278,961	$20,190,210
20	233	$315,635	$36,174	$279,461	$19,910,749
20	234	$315,635	$35,673	$279,961	$19,630,788
20	235	$315,635	$35,172	$280,463	$19,350,325
20	236	$315,635	$34,669	$280,965	$19,069,360
20	237	$315,635	$34,166	$281,469	$18,787,891
20	238	$315,635	$33,662	$281,973	$18,505,918
20	239	$315,635	$33,156	$282,478	$18,223,440
20	240	$315,635	$32,650	$282,984	$17,940,456
21	241	$315,635	$32,143	$283,491	$17,656,964
21	242	$315,635	$31,635	$283,999	$17,372,965
21	243	$315,635	$31,127	$284,508	$17,088,457
21	244	$315,635	$30,617	$285,018	$16,803,439
21	245	$315,635	$30,106	$285,529	$16,517,911
21	246	$315,635	$29,595	$286,040	$16,231,870
21	247	$315,635	$29,082	$286,553	$15,945,318
21	248	$315,635	$28,569	$287,066	$15,658,252
21	249	$315,635	$28,054	$287,580	$15,370,672
21	250	$315,635	$27,539	$288,096	$15,082,576
21	251	$315,635	$27,023	$288,612	$14,793,964
21	252	$315,635	$26,506	$289,129	$14,504,836
22	253	$315,635	$25,988	$289,647	$14,215,189
22	254	$315,635	$25,469	$290,166	$13,925,023
22	255	$315,635	$24,949	$290,686	$13,634,337
22	256	$315,635	$24,428	$291,206	$13,343,131
22	257	$315,635	$23,906	$291,728	$13,051,403
22	258	$315,635	$23,384	$292,251	$12,759,152
22	259	$315,635	$22,860	$292,775	$12,466,377
22	260	$315,635	$22,336	$293,299	$12,173,078
22	261	$315,635	$21,810	$293,825	$11,879,253
22	262	$315,635	$21,284	$294,351	$11,584,902
22	263	$315,635	$20,756	$294,878	$11,290,024
22	264	$315,635	$20,228	$295,407	$10,994,617
23	265	$315,635	$19,699	$295,936	$10,698,681
23	266	$315,635	$19,168	$296,466	$10,402,215
23	267	$315,635	$18,637	$296,997	$10,105,218
23	268	$315,635	$18,105	$297,529	$9,807,688
23	269	$315,635	$17,572	$298,063	$9,509,626
23	270	$315,635	$17,038	$298,597	$9,211,029
23	271	$315,635	$16,503	$299,132	$8,911,898
23	272	$315,635	$15,967	$299,668	$8,612,230
23	273	$315,635	$15,430	$300,204	$8,312,026
23	274	$315,635	$14,892	$300,742	$8,011,283
23	275	$315,635	$14,354	$301,281	$7,710,002
23	276	$315,635	$13,814	$301,821	$7,408,181
24	277	$315,635	$13,273	$302,362	$7,105,820
24	278	$315,635	$12,731	$302,903	$6,802,916
24	279	$315,635	$12,189	$303,446	$6,499,470
24	280	$315,635	$11,645	$303,990	$6,195,480
24	281	$315,635	$11,100	$304,534	$5,890,946
24	282	$315,635	$10,555	$305,080	$5,585,866
24	283	$315,635	$10,008	$305,627	$5,280,239
24	284	$315,635	$9,460	$306,174	$4,974,065
24	285	$315,635	$8,912	$306,723	$4,667,342
24	286	$315,635	$8,362	$307,272	$4,360,070
24	287	$315,635	$7,812	$307,823	$4,052,247
24	288	$315,635	$7,260	$308,374	$3,743,872
25	289	$315,635	$6,708	$308,927	$3,434,946
25	290	$315,635	$6,154	$309,480	$3,125,465
25	291	$315,635	$5,600	$310,035	$2,815,430
25	292	$315,635	$5,044	$310,590	$2,504,840
25	293	$315,635	$4,488	$311,147	$2,193,693
25	294	$315,635	$3,930	$311,704	$1,881,989
25	295	$315,635	$3,372	$312,263	$1,569,726
25	296	$315,635	$2,812	$312,822	$1,256,904
25	297	$315,635	$2,252	$313,383	$943,521
25	298	$315,635	$1,690	$313,944	$629,577
25	299	$315,635	$1,128	$314,507	$315,070
25	300	$315,635	$565	$315,070	$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$ 48,800,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 50,020,000

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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.