Century 21 Centaland Property

Down Payment (HKD)

$16,600,000

Monthly Repayment (HKD)

$107,368

Loan Amount (HKD)

$24,900,000

Total Interest (HKD)

$7,310,259

Total Repayment (HKD)

$32,210,259

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$107,368	$44,613	$62,755	$24,837,245
1	2	$107,368	$44,500	$62,867	$24,774,378
1	3	$107,368	$44,387	$62,980	$24,711,397
1	4	$107,368	$44,275	$63,093	$24,648,304
1	5	$107,368	$44,162	$63,206	$24,585,098
1	6	$107,368	$44,048	$63,319	$24,521,779
1	7	$107,368	$43,935	$63,433	$24,458,347
1	8	$107,368	$43,821	$63,546	$24,394,800
1	9	$107,368	$43,707	$63,660	$24,331,140
1	10	$107,368	$43,593	$63,774	$24,267,366
1	11	$107,368	$43,479	$63,889	$24,203,477
1	12	$107,368	$43,365	$64,003	$24,139,474
2	13	$107,368	$43,250	$64,118	$24,075,357
2	14	$107,368	$43,135	$64,233	$24,011,124
2	15	$107,368	$43,020	$64,348	$23,946,777
2	16	$107,368	$42,905	$64,463	$23,882,314
2	17	$107,368	$42,789	$64,578	$23,817,735
2	18	$107,368	$42,673	$64,694	$23,753,041
2	19	$107,368	$42,558	$64,810	$23,688,231
2	20	$107,368	$42,441	$64,926	$23,623,305
2	21	$107,368	$42,325	$65,042	$23,558,263
2	22	$107,368	$42,209	$65,159	$23,493,104
2	23	$107,368	$42,092	$65,276	$23,427,828
2	24	$107,368	$41,975	$65,393	$23,362,435
3	25	$107,368	$41,858	$65,510	$23,296,925
3	26	$107,368	$41,740	$65,627	$23,231,298
3	27	$107,368	$41,623	$65,745	$23,165,553
3	28	$107,368	$41,505	$65,863	$23,099,691
3	29	$107,368	$41,387	$65,981	$23,033,710
3	30	$107,368	$41,269	$66,099	$22,967,611
3	31	$107,368	$41,150	$66,217	$22,901,394
3	32	$107,368	$41,032	$66,336	$22,835,058
3	33	$107,368	$40,913	$66,455	$22,768,604
3	34	$107,368	$40,794	$66,574	$22,702,030
3	35	$107,368	$40,674	$66,693	$22,635,337
3	36	$107,368	$40,555	$66,813	$22,568,524
4	37	$107,368	$40,435	$66,932	$22,501,592
4	38	$107,368	$40,315	$67,052	$22,434,540
4	39	$107,368	$40,195	$67,172	$22,367,368
4	40	$107,368	$40,075	$67,293	$22,300,075
4	41	$107,368	$39,954	$67,413	$22,232,662
4	42	$107,368	$39,834	$67,534	$22,165,128
4	43	$107,368	$39,713	$67,655	$22,097,473
4	44	$107,368	$39,591	$67,776	$22,029,696
4	45	$107,368	$39,470	$67,898	$21,961,799
4	46	$107,368	$39,348	$68,019	$21,893,779
4	47	$107,368	$39,226	$68,141	$21,825,638
4	48	$107,368	$39,104	$68,263	$21,757,375
5	49	$107,368	$38,982	$68,386	$21,688,989
5	50	$107,368	$38,859	$68,508	$21,620,481
5	51	$107,368	$38,737	$68,631	$21,551,850
5	52	$107,368	$38,614	$68,754	$21,483,097
5	53	$107,368	$38,491	$68,877	$21,414,220
5	54	$107,368	$38,367	$69,000	$21,345,219
5	55	$107,368	$38,244	$69,124	$21,276,095
5	56	$107,368	$38,120	$69,248	$21,206,847
5	57	$107,368	$37,996	$69,372	$21,137,475
5	58	$107,368	$37,871	$69,496	$21,067,979
5	59	$107,368	$37,747	$69,621	$20,998,359
5	60	$107,368	$37,622	$69,745	$20,928,613
6	61	$107,368	$37,497	$69,870	$20,858,743
6	62	$107,368	$37,372	$69,996	$20,788,747
6	63	$107,368	$37,247	$70,121	$20,718,626
6	64	$107,368	$37,121	$70,247	$20,648,379
6	65	$107,368	$36,995	$70,373	$20,578,007
6	66	$107,368	$36,869	$70,499	$20,507,508
6	67	$107,368	$36,743	$70,625	$20,436,883
6	68	$107,368	$36,616	$70,751	$20,366,132
6	69	$107,368	$36,489	$70,878	$20,295,254
6	70	$107,368	$36,362	$71,005	$20,224,248
6	71	$107,368	$36,235	$71,132	$20,153,116
6	72	$107,368	$36,108	$71,260	$20,081,856
7	73	$107,368	$35,980	$71,388	$20,010,469
7	74	$107,368	$35,852	$71,515	$19,938,953
7	75	$107,368	$35,724	$71,644	$19,867,310
7	76	$107,368	$35,596	$71,772	$19,795,538
7	77	$107,368	$35,467	$71,901	$19,723,637
7	78	$107,368	$35,338	$72,029	$19,651,608
7	79	$107,368	$35,209	$72,158	$19,579,449
7	80	$107,368	$35,080	$72,288	$19,507,162
7	81	$107,368	$34,950	$72,417	$19,434,744
7	82	$107,368	$34,821	$72,547	$19,362,198
7	83	$107,368	$34,691	$72,677	$19,289,521
7	84	$107,368	$34,560	$72,807	$19,216,713
8	85	$107,368	$34,430	$72,938	$19,143,776
8	86	$107,368	$34,299	$73,068	$19,070,708
8	87	$107,368	$34,168	$73,199	$18,997,508
8	88	$107,368	$34,037	$73,330	$18,924,178
8	89	$107,368	$33,906	$73,462	$18,850,716
8	90	$107,368	$33,774	$73,593	$18,777,123
8	91	$107,368	$33,642	$73,725	$18,703,398
8	92	$107,368	$33,510	$73,857	$18,629,541
8	93	$107,368	$33,378	$73,990	$18,555,551
8	94	$107,368	$33,245	$74,122	$18,481,429
8	95	$107,368	$33,113	$74,255	$18,407,174
8	96	$107,368	$32,980	$74,388	$18,332,786
9	97	$107,368	$32,846	$74,521	$18,258,265
9	98	$107,368	$32,713	$74,655	$18,183,610
9	99	$107,368	$32,579	$74,789	$18,108,821
9	100	$107,368	$32,445	$74,923	$18,033,899
9	101	$107,368	$32,311	$75,057	$17,958,842
9	102	$107,368	$32,176	$75,191	$17,883,651
9	103	$107,368	$32,042	$75,326	$17,808,325
9	104	$107,368	$31,907	$75,461	$17,732,864
9	105	$107,368	$31,771	$75,596	$17,657,267
9	106	$107,368	$31,636	$75,732	$17,581,536
9	107	$107,368	$31,500	$75,867	$17,505,669
9	108	$107,368	$31,364	$76,003	$17,429,665
10	109	$107,368	$31,228	$76,139	$17,353,526
10	110	$107,368	$31,092	$76,276	$17,277,250
10	111	$107,368	$30,955	$76,412	$17,200,838
10	112	$107,368	$30,818	$76,549	$17,124,288
10	113	$107,368	$30,681	$76,687	$17,047,602
10	114	$107,368	$30,544	$76,824	$16,970,778
10	115	$107,368	$30,406	$76,962	$16,893,816
10	116	$107,368	$30,268	$77,099	$16,816,717
10	117	$107,368	$30,130	$77,238	$16,739,479
10	118	$107,368	$29,992	$77,376	$16,662,103
10	119	$107,368	$29,853	$77,515	$16,584,589
10	120	$107,368	$29,714	$77,653	$16,506,935
11	121	$107,368	$29,575	$77,793	$16,429,143
11	122	$107,368	$29,436	$77,932	$16,351,211
11	123	$107,368	$29,296	$78,072	$16,273,139
11	124	$107,368	$29,156	$78,211	$16,194,928
11	125	$107,368	$29,016	$78,352	$16,116,576
11	126	$107,368	$28,876	$78,492	$16,038,084
11	127	$107,368	$28,735	$78,633	$15,959,451
11	128	$107,368	$28,594	$78,774	$15,880,678
11	129	$107,368	$28,453	$78,915	$15,801,763
11	130	$107,368	$28,311	$79,056	$15,722,707
11	131	$107,368	$28,170	$79,198	$15,643,510
11	132	$107,368	$28,028	$79,340	$15,564,170
12	133	$107,368	$27,886	$79,482	$15,484,688
12	134	$107,368	$27,743	$79,624	$15,405,064
12	135	$107,368	$27,601	$79,767	$15,325,297
12	136	$107,368	$27,458	$79,910	$15,245,388
12	137	$107,368	$27,315	$80,053	$15,165,335
12	138	$107,368	$27,171	$80,196	$15,085,138
12	139	$107,368	$27,028	$80,340	$15,004,798
12	140	$107,368	$26,884	$80,484	$14,924,314
12	141	$107,368	$26,739	$80,628	$14,843,686
12	142	$107,368	$26,595	$80,773	$14,762,914
12	143	$107,368	$26,450	$80,917	$14,681,996
12	144	$107,368	$26,305	$81,062	$14,600,934
13	145	$107,368	$26,160	$81,208	$14,519,727
13	146	$107,368	$26,015	$81,353	$14,438,374
13	147	$107,368	$25,869	$81,499	$14,356,875
13	148	$107,368	$25,723	$81,645	$14,275,230
13	149	$107,368	$25,576	$81,791	$14,193,439
13	150	$107,368	$25,430	$81,938	$14,111,501
13	151	$107,368	$25,283	$82,084	$14,029,417
13	152	$107,368	$25,136	$82,231	$13,947,185
13	153	$107,368	$24,989	$82,379	$13,864,807
13	154	$107,368	$24,841	$82,526	$13,782,280
13	155	$107,368	$24,693	$82,674	$13,699,606
13	156	$107,368	$24,545	$82,822	$13,616,783
14	157	$107,368	$24,397	$82,971	$13,533,813
14	158	$107,368	$24,248	$83,119	$13,450,693
14	159	$107,368	$24,099	$83,268	$13,367,425
14	160	$107,368	$23,950	$83,418	$13,284,007
14	161	$107,368	$23,801	$83,567	$13,200,440
14	162	$107,368	$23,651	$83,717	$13,116,724
14	163	$107,368	$23,501	$83,867	$13,032,857
14	164	$107,368	$23,351	$84,017	$12,948,840
14	165	$107,368	$23,200	$84,168	$12,864,672
14	166	$107,368	$23,049	$84,318	$12,780,354
14	167	$107,368	$22,898	$84,469	$12,695,885
14	168	$107,368	$22,747	$84,621	$12,611,264
15	169	$107,368	$22,595	$84,772	$12,526,491
15	170	$107,368	$22,443	$84,924	$12,441,567
15	171	$107,368	$22,291	$85,076	$12,356,491
15	172	$107,368	$22,139	$85,229	$12,271,262
15	173	$107,368	$21,986	$85,382	$12,185,880
15	174	$107,368	$21,833	$85,534	$12,100,346
15	175	$107,368	$21,680	$85,688	$12,014,658
15	176	$107,368	$21,526	$85,841	$11,928,817
15	177	$107,368	$21,372	$85,995	$11,842,822
15	178	$107,368	$21,218	$86,149	$11,756,673
15	179	$107,368	$21,064	$86,303	$11,670,369
15	180	$107,368	$20,909	$86,458	$11,583,911
16	181	$107,368	$20,755	$86,613	$11,497,298
16	182	$107,368	$20,599	$86,768	$11,410,530
16	183	$107,368	$20,444	$86,924	$11,323,606
16	184	$107,368	$20,288	$87,079	$11,236,527
16	185	$107,368	$20,132	$87,235	$11,149,291
16	186	$107,368	$19,976	$87,392	$11,061,900
16	187	$107,368	$19,819	$87,548	$10,974,351
16	188	$107,368	$19,662	$87,705	$10,886,646
16	189	$107,368	$19,505	$87,862	$10,798,784
16	190	$107,368	$19,348	$88,020	$10,710,764
16	191	$107,368	$19,190	$88,177	$10,622,587
16	192	$107,368	$19,032	$88,335	$10,534,251
17	193	$107,368	$18,874	$88,494	$10,445,758
17	194	$107,368	$18,715	$88,652	$10,357,106
17	195	$107,368	$18,556	$88,811	$10,268,295
17	196	$107,368	$18,397	$88,970	$10,179,324
17	197	$107,368	$18,238	$89,130	$10,090,195
17	198	$107,368	$18,078	$89,289	$10,000,906
17	199	$107,368	$17,918	$89,449	$9,911,456
17	200	$107,368	$17,758	$89,610	$9,821,847
17	201	$107,368	$17,597	$89,770	$9,732,077
17	202	$107,368	$17,437	$89,931	$9,642,146
17	203	$107,368	$17,276	$90,092	$9,552,054
17	204	$107,368	$17,114	$90,253	$9,461,800
18	205	$107,368	$16,952	$90,415	$9,371,385
18	206	$107,368	$16,790	$90,577	$9,280,808
18	207	$107,368	$16,628	$90,739	$9,190,069
18	208	$107,368	$16,466	$90,902	$9,099,167
18	209	$107,368	$16,303	$91,065	$9,008,102
18	210	$107,368	$16,140	$91,228	$8,916,874
18	211	$107,368	$15,976	$91,391	$8,825,482
18	212	$107,368	$15,812	$91,555	$8,733,927
18	213	$107,368	$15,648	$91,719	$8,642,208
18	214	$107,368	$15,484	$91,884	$8,550,324
18	215	$107,368	$15,319	$92,048	$8,458,276
18	216	$107,368	$15,154	$92,213	$8,366,063
19	217	$107,368	$14,989	$92,378	$8,273,685
19	218	$107,368	$14,824	$92,544	$8,181,141
19	219	$107,368	$14,658	$92,710	$8,088,431
19	220	$107,368	$14,492	$92,876	$7,995,555
19	221	$107,368	$14,325	$93,042	$7,902,513
19	222	$107,368	$14,159	$93,209	$7,809,304
19	223	$107,368	$13,992	$93,376	$7,715,929
19	224	$107,368	$13,824	$93,543	$7,622,385
19	225	$107,368	$13,657	$93,711	$7,528,675
19	226	$107,368	$13,489	$93,879	$7,434,796
19	227	$107,368	$13,321	$94,047	$7,340,749
19	228	$107,368	$13,152	$94,215	$7,246,534
20	229	$107,368	$12,983	$94,384	$7,152,150
20	230	$107,368	$12,814	$94,553	$7,057,596
20	231	$107,368	$12,645	$94,723	$6,962,874
20	232	$107,368	$12,475	$94,892	$6,867,981
20	233	$107,368	$12,305	$95,062	$6,772,919
20	234	$107,368	$12,135	$95,233	$6,677,686
20	235	$107,368	$11,964	$95,403	$6,582,283
20	236	$107,368	$11,793	$95,574	$6,486,709
20	237	$107,368	$11,622	$95,746	$6,390,963
20	238	$107,368	$11,450	$95,917	$6,295,046
20	239	$107,368	$11,279	$96,089	$6,198,957
20	240	$107,368	$11,106	$96,261	$6,102,696
21	241	$107,368	$10,934	$96,434	$6,006,262
21	242	$107,368	$10,761	$96,606	$5,909,656
21	243	$107,368	$10,588	$96,779	$5,812,877
21	244	$107,368	$10,415	$96,953	$5,715,924
21	245	$107,368	$10,241	$97,127	$5,618,797
21	246	$107,368	$10,067	$97,301	$5,521,497
21	247	$107,368	$9,893	$97,475	$5,424,022
21	248	$107,368	$9,718	$97,649	$5,326,373
21	249	$107,368	$9,543	$97,824	$5,228,548
21	250	$107,368	$9,368	$98,000	$5,130,548
21	251	$107,368	$9,192	$98,175	$5,032,373
21	252	$107,368	$9,016	$98,351	$4,934,022
22	253	$107,368	$8,840	$98,527	$4,835,495
22	254	$107,368	$8,664	$98,704	$4,736,791
22	255	$107,368	$8,487	$98,881	$4,637,910
22	256	$107,368	$8,310	$99,058	$4,538,852
22	257	$107,368	$8,132	$99,235	$4,439,616
22	258	$107,368	$7,954	$99,413	$4,340,203
22	259	$107,368	$7,776	$99,591	$4,240,612
22	260	$107,368	$7,598	$99,770	$4,140,842
22	261	$107,368	$7,419	$99,949	$4,040,894
22	262	$107,368	$7,240	$100,128	$3,940,766
22	263	$107,368	$7,061	$100,307	$3,840,459
22	264	$107,368	$6,881	$100,487	$3,739,972
23	265	$107,368	$6,701	$100,667	$3,639,306
23	266	$107,368	$6,520	$100,847	$3,538,458
23	267	$107,368	$6,340	$101,028	$3,437,431
23	268	$107,368	$6,159	$101,209	$3,336,222
23	269	$107,368	$5,977	$101,390	$3,234,832
23	270	$107,368	$5,796	$101,572	$3,133,260
23	271	$107,368	$5,614	$101,754	$3,031,506
23	272	$107,368	$5,431	$101,936	$2,929,570
23	273	$107,368	$5,249	$102,119	$2,827,451
23	274	$107,368	$5,066	$102,302	$2,725,150
23	275	$107,368	$4,883	$102,485	$2,622,665
23	276	$107,368	$4,699	$102,669	$2,519,996
24	277	$107,368	$4,515	$102,853	$2,417,144
24	278	$107,368	$4,331	$103,037	$2,314,107
24	279	$107,368	$4,146	$103,221	$2,210,885
24	280	$107,368	$3,961	$103,406	$2,107,479
24	281	$107,368	$3,776	$103,592	$2,003,887
24	282	$107,368	$3,590	$103,777	$1,900,110
24	283	$107,368	$3,404	$103,963	$1,796,147
24	284	$107,368	$3,218	$104,149	$1,691,997
24	285	$107,368	$3,031	$104,336	$1,587,661
24	286	$107,368	$2,845	$104,523	$1,483,138
24	287	$107,368	$2,657	$104,710	$1,378,428
24	288	$107,368	$2,470	$104,898	$1,273,530
25	289	$107,368	$2,282	$105,086	$1,168,445
25	290	$107,368	$2,093	$105,274	$1,063,171
25	291	$107,368	$1,905	$105,463	$957,708
25	292	$107,368	$1,716	$105,652	$852,056
25	293	$107,368	$1,527	$105,841	$746,215
25	294	$107,368	$1,337	$106,031	$640,185
25	295	$107,368	$1,147	$106,221	$533,964
25	296	$107,368	$957	$106,411	$427,553
25	297	$107,368	$766	$106,601	$320,952
25	298	$107,368	$575	$106,792	$214,159
25	299	$107,368	$384	$106,984	$107,176
25	300	$107,368	$192	$107,176	$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$ 16,600,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 17,015,000

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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.