Century 21 Centaland Property

Down Payment (HKD)

$11,920,000

Monthly Repayment (HKD)

$77,098

Loan Amount (HKD)

$17,880,000

Total Interest (HKD)

$5,249,295

Total Repayment (HKD)

$23,129,295

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$77,098	$32,035	$45,063	$17,834,937
1	2	$77,098	$31,954	$45,143	$17,789,794
1	3	$77,098	$31,873	$45,224	$17,744,570
1	4	$77,098	$31,792	$45,305	$17,699,264
1	5	$77,098	$31,711	$45,386	$17,653,878
1	6	$77,098	$31,630	$45,468	$17,608,410
1	7	$77,098	$31,548	$45,549	$17,562,861
1	8	$77,098	$31,467	$45,631	$17,517,230
1	9	$77,098	$31,385	$45,713	$17,471,517
1	10	$77,098	$31,303	$45,795	$17,425,723
1	11	$77,098	$31,221	$45,877	$17,379,846
1	12	$77,098	$31,139	$45,959	$17,333,888
2	13	$77,098	$31,057	$46,041	$17,287,846
2	14	$77,098	$30,974	$46,124	$17,241,723
2	15	$77,098	$30,891	$46,206	$17,195,517
2	16	$77,098	$30,809	$46,289	$17,149,228
2	17	$77,098	$30,726	$46,372	$17,102,856
2	18	$77,098	$30,643	$46,455	$17,056,401
2	19	$77,098	$30,559	$46,538	$17,009,862
2	20	$77,098	$30,476	$46,622	$16,963,241
2	21	$77,098	$30,392	$46,705	$16,916,536
2	22	$77,098	$30,309	$46,789	$16,869,747
2	23	$77,098	$30,225	$46,873	$16,822,874
2	24	$77,098	$30,141	$46,957	$16,775,917
3	25	$77,098	$30,057	$47,041	$16,728,877
3	26	$77,098	$29,973	$47,125	$16,681,752
3	27	$77,098	$29,888	$47,210	$16,634,542
3	28	$77,098	$29,804	$47,294	$16,587,248
3	29	$77,098	$29,719	$47,379	$16,539,869
3	30	$77,098	$29,634	$47,464	$16,492,405
3	31	$77,098	$29,549	$47,549	$16,444,857
3	32	$77,098	$29,464	$47,634	$16,397,223
3	33	$77,098	$29,378	$47,719	$16,349,503
3	34	$77,098	$29,293	$47,805	$16,301,699
3	35	$77,098	$29,207	$47,890	$16,253,808
3	36	$77,098	$29,121	$47,976	$16,205,832
4	37	$77,098	$29,035	$48,062	$16,157,770
4	38	$77,098	$28,949	$48,148	$16,109,621
4	39	$77,098	$28,863	$48,235	$16,061,387
4	40	$77,098	$28,777	$48,321	$16,013,066
4	41	$77,098	$28,690	$48,408	$15,964,658
4	42	$77,098	$28,603	$48,494	$15,916,164
4	43	$77,098	$28,516	$48,581	$15,867,583
4	44	$77,098	$28,429	$48,668	$15,818,915
4	45	$77,098	$28,342	$48,755	$15,770,159
4	46	$77,098	$28,255	$48,843	$15,721,316
4	47	$77,098	$28,167	$48,930	$15,672,386
4	48	$77,098	$28,080	$49,018	$15,623,368
5	49	$77,098	$27,992	$49,106	$15,574,262
5	50	$77,098	$27,904	$49,194	$15,525,069
5	51	$77,098	$27,816	$49,282	$15,475,787
5	52	$77,098	$27,727	$49,370	$15,426,416
5	53	$77,098	$27,639	$49,459	$15,376,958
5	54	$77,098	$27,550	$49,547	$15,327,410
5	55	$77,098	$27,462	$49,636	$15,277,774
5	56	$77,098	$27,373	$49,725	$15,228,049
5	57	$77,098	$27,284	$49,814	$15,178,235
5	58	$77,098	$27,194	$49,903	$15,128,332
5	59	$77,098	$27,105	$49,993	$15,078,339
5	60	$77,098	$27,015	$50,082	$15,028,257
6	61	$77,098	$26,926	$50,172	$14,978,085
6	62	$77,098	$26,836	$50,262	$14,927,823
6	63	$77,098	$26,746	$50,352	$14,877,471
6	64	$77,098	$26,655	$50,442	$14,827,029
6	65	$77,098	$26,565	$50,533	$14,776,496
6	66	$77,098	$26,475	$50,623	$14,725,873
6	67	$77,098	$26,384	$50,714	$14,675,160
6	68	$77,098	$26,293	$50,805	$14,624,355
6	69	$77,098	$26,202	$50,896	$14,573,459
6	70	$77,098	$26,111	$50,987	$14,522,472
6	71	$77,098	$26,019	$51,078	$14,471,394
6	72	$77,098	$25,928	$51,170	$14,420,224
7	73	$77,098	$25,836	$51,261	$14,368,963
7	74	$77,098	$25,744	$51,353	$14,317,610
7	75	$77,098	$25,652	$51,445	$14,266,164
7	76	$77,098	$25,560	$51,537	$14,214,627
7	77	$77,098	$25,468	$51,630	$14,162,997
7	78	$77,098	$25,375	$51,722	$14,111,275
7	79	$77,098	$25,283	$51,815	$14,059,460
7	80	$77,098	$25,190	$51,908	$14,007,552
7	81	$77,098	$25,097	$52,001	$13,955,551
7	82	$77,098	$25,004	$52,094	$13,903,458
7	83	$77,098	$24,910	$52,187	$13,851,270
7	84	$77,098	$24,817	$52,281	$13,798,989
8	85	$77,098	$24,723	$52,374	$13,746,615
8	86	$77,098	$24,629	$52,468	$13,694,147
8	87	$77,098	$24,535	$52,562	$13,641,584
8	88	$77,098	$24,441	$52,656	$13,588,928
8	89	$77,098	$24,347	$52,751	$13,536,177
8	90	$77,098	$24,252	$52,845	$13,483,332
8	91	$77,098	$24,158	$52,940	$13,430,392
8	92	$77,098	$24,063	$53,035	$13,377,357
8	93	$77,098	$23,968	$53,130	$13,324,227
8	94	$77,098	$23,873	$53,225	$13,271,002
8	95	$77,098	$23,777	$53,320	$13,217,681
8	96	$77,098	$23,682	$53,416	$13,164,266
9	97	$77,098	$23,586	$53,512	$13,110,754
9	98	$77,098	$23,490	$53,608	$13,057,146
9	99	$77,098	$23,394	$53,704	$13,003,443
9	100	$77,098	$23,298	$53,800	$12,949,643
9	101	$77,098	$23,201	$53,896	$12,895,747
9	102	$77,098	$23,105	$53,993	$12,841,754
9	103	$77,098	$23,008	$54,090	$12,787,664
9	104	$77,098	$22,911	$54,186	$12,733,478
9	105	$77,098	$22,814	$54,284	$12,679,194
9	106	$77,098	$22,717	$54,381	$12,624,814
9	107	$77,098	$22,619	$54,478	$12,570,336
9	108	$77,098	$22,522	$54,576	$12,515,760
10	109	$77,098	$22,424	$54,674	$12,461,086
10	110	$77,098	$22,326	$54,772	$12,406,315
10	111	$77,098	$22,228	$54,870	$12,351,445
10	112	$77,098	$22,130	$54,968	$12,296,477
10	113	$77,098	$22,031	$55,066	$12,241,411
10	114	$77,098	$21,933	$55,165	$12,186,245
10	115	$77,098	$21,834	$55,264	$12,130,981
10	116	$77,098	$21,735	$55,363	$12,075,618
10	117	$77,098	$21,635	$55,462	$12,020,156
10	118	$77,098	$21,536	$55,562	$11,964,595
10	119	$77,098	$21,437	$55,661	$11,908,934
10	120	$77,098	$21,337	$55,761	$11,853,173
11	121	$77,098	$21,237	$55,861	$11,797,312
11	122	$77,098	$21,137	$55,961	$11,741,351
11	123	$77,098	$21,037	$56,061	$11,685,290
11	124	$77,098	$20,936	$56,162	$11,629,129
11	125	$77,098	$20,836	$56,262	$11,572,867
11	126	$77,098	$20,735	$56,363	$11,516,504
11	127	$77,098	$20,634	$56,464	$11,460,040
11	128	$77,098	$20,533	$56,565	$11,403,475
11	129	$77,098	$20,431	$56,666	$11,346,808
11	130	$77,098	$20,330	$56,768	$11,290,040
11	131	$77,098	$20,228	$56,870	$11,233,171
11	132	$77,098	$20,126	$56,972	$11,176,199
12	133	$77,098	$20,024	$57,074	$11,119,126
12	134	$77,098	$19,922	$57,176	$11,061,950
12	135	$77,098	$19,819	$57,278	$11,004,671
12	136	$77,098	$19,717	$57,381	$10,947,290
12	137	$77,098	$19,614	$57,484	$10,889,807
12	138	$77,098	$19,511	$57,587	$10,832,220
12	139	$77,098	$19,408	$57,690	$10,774,530
12	140	$77,098	$19,304	$57,793	$10,716,737
12	141	$77,098	$19,201	$57,897	$10,658,840
12	142	$77,098	$19,097	$58,001	$10,600,839
12	143	$77,098	$18,993	$58,104	$10,542,735
12	144	$77,098	$18,889	$58,209	$10,484,526
13	145	$77,098	$18,785	$58,313	$10,426,213
13	146	$77,098	$18,680	$58,417	$10,367,796
13	147	$77,098	$18,576	$58,522	$10,309,274
13	148	$77,098	$18,471	$58,627	$10,250,647
13	149	$77,098	$18,366	$58,732	$10,191,915
13	150	$77,098	$18,261	$58,837	$10,133,078
13	151	$77,098	$18,155	$58,943	$10,074,136
13	152	$77,098	$18,049	$59,048	$10,015,087
13	153	$77,098	$17,944	$59,154	$9,955,933
13	154	$77,098	$17,838	$59,260	$9,896,673
13	155	$77,098	$17,732	$59,366	$9,837,307
13	156	$77,098	$17,625	$59,472	$9,777,835
14	157	$77,098	$17,519	$59,579	$9,718,256
14	158	$77,098	$17,412	$59,686	$9,658,570
14	159	$77,098	$17,305	$59,793	$9,598,777
14	160	$77,098	$17,198	$59,900	$9,538,878
14	161	$77,098	$17,090	$60,007	$9,478,870
14	162	$77,098	$16,983	$60,115	$9,418,756
14	163	$77,098	$16,875	$60,222	$9,358,533
14	164	$77,098	$16,767	$60,330	$9,298,203
14	165	$77,098	$16,659	$60,438	$9,237,765
14	166	$77,098	$16,551	$60,547	$9,177,218
14	167	$77,098	$16,443	$60,655	$9,116,563
14	168	$77,098	$16,334	$60,764	$9,055,799
15	169	$77,098	$16,225	$60,873	$8,994,926
15	170	$77,098	$16,116	$60,982	$8,933,945
15	171	$77,098	$16,007	$61,091	$8,872,854
15	172	$77,098	$15,897	$61,200	$8,811,653
15	173	$77,098	$15,788	$61,310	$8,750,343
15	174	$77,098	$15,678	$61,420	$8,688,923
15	175	$77,098	$15,568	$61,530	$8,627,393
15	176	$77,098	$15,457	$61,640	$8,565,753
15	177	$77,098	$15,347	$61,751	$8,504,002
15	178	$77,098	$15,236	$61,861	$8,442,141
15	179	$77,098	$15,126	$61,972	$8,380,169
15	180	$77,098	$15,014	$62,083	$8,318,086
16	181	$77,098	$14,903	$62,194	$8,255,891
16	182	$77,098	$14,792	$62,306	$8,193,585
16	183	$77,098	$14,680	$62,417	$8,131,168
16	184	$77,098	$14,568	$62,529	$8,068,639
16	185	$77,098	$14,456	$62,641	$8,005,997
16	186	$77,098	$14,344	$62,754	$7,943,244
16	187	$77,098	$14,232	$62,866	$7,880,378
16	188	$77,098	$14,119	$62,979	$7,817,399
16	189	$77,098	$14,006	$63,091	$7,754,308
16	190	$77,098	$13,893	$63,205	$7,691,103
16	191	$77,098	$13,780	$63,318	$7,627,785
16	192	$77,098	$13,666	$63,431	$7,564,354
17	193	$77,098	$13,553	$63,545	$7,500,809
17	194	$77,098	$13,439	$63,659	$7,437,151
17	195	$77,098	$13,325	$63,773	$7,373,378
17	196	$77,098	$13,211	$63,887	$7,309,491
17	197	$77,098	$13,096	$64,001	$7,245,489
17	198	$77,098	$12,982	$64,116	$7,181,373
17	199	$77,098	$12,867	$64,231	$7,117,142
17	200	$77,098	$12,752	$64,346	$7,052,796
17	201	$77,098	$12,636	$64,461	$6,988,335
17	202	$77,098	$12,521	$64,577	$6,923,758
17	203	$77,098	$12,405	$64,693	$6,859,065
17	204	$77,098	$12,289	$64,808	$6,794,257
18	205	$77,098	$12,173	$64,925	$6,729,332
18	206	$77,098	$12,057	$65,041	$6,664,291
18	207	$77,098	$11,940	$65,157	$6,599,134
18	208	$77,098	$11,823	$65,274	$6,533,859
18	209	$77,098	$11,706	$65,391	$6,468,468
18	210	$77,098	$11,589	$65,508	$6,402,960
18	211	$77,098	$11,472	$65,626	$6,337,334
18	212	$77,098	$11,354	$65,743	$6,271,591
18	213	$77,098	$11,237	$65,861	$6,205,730
18	214	$77,098	$11,119	$65,979	$6,139,751
18	215	$77,098	$11,000	$66,097	$6,073,654
18	216	$77,098	$10,882	$66,216	$6,007,438
19	217	$77,098	$10,763	$66,334	$5,941,104
19	218	$77,098	$10,644	$66,453	$5,874,651
19	219	$77,098	$10,525	$66,572	$5,808,078
19	220	$77,098	$10,406	$66,692	$5,741,387
19	221	$77,098	$10,287	$66,811	$5,674,576
19	222	$77,098	$10,167	$66,931	$5,607,645
19	223	$77,098	$10,047	$67,051	$5,540,594
19	224	$77,098	$9,927	$67,171	$5,473,424
19	225	$77,098	$9,807	$67,291	$5,406,133
19	226	$77,098	$9,686	$67,412	$5,338,721
19	227	$77,098	$9,565	$67,532	$5,271,189
19	228	$77,098	$9,444	$67,653	$5,203,535
20	229	$77,098	$9,323	$67,775	$5,135,760
20	230	$77,098	$9,202	$67,896	$5,067,864
20	231	$77,098	$9,080	$68,018	$4,999,847
20	232	$77,098	$8,958	$68,140	$4,931,707
20	233	$77,098	$8,836	$68,262	$4,863,445
20	234	$77,098	$8,714	$68,384	$4,795,061
20	235	$77,098	$8,591	$68,506	$4,726,555
20	236	$77,098	$8,468	$68,629	$4,657,926
20	237	$77,098	$8,345	$68,752	$4,589,173
20	238	$77,098	$8,222	$68,875	$4,520,298
20	239	$77,098	$8,099	$68,999	$4,451,299
20	240	$77,098	$7,975	$69,122	$4,382,177
21	241	$77,098	$7,851	$69,246	$4,312,931
21	242	$77,098	$7,727	$69,370	$4,243,560
21	243	$77,098	$7,603	$69,495	$4,174,066
21	244	$77,098	$7,479	$69,619	$4,104,447
21	245	$77,098	$7,354	$69,744	$4,034,703
21	246	$77,098	$7,229	$69,869	$3,964,834
21	247	$77,098	$7,104	$69,994	$3,894,840
21	248	$77,098	$6,978	$70,119	$3,824,721
21	249	$77,098	$6,853	$70,245	$3,754,476
21	250	$77,098	$6,727	$70,371	$3,684,105
21	251	$77,098	$6,601	$70,497	$3,613,608
21	252	$77,098	$6,474	$70,623	$3,542,984
22	253	$77,098	$6,348	$70,750	$3,472,235
22	254	$77,098	$6,221	$70,877	$3,401,358
22	255	$77,098	$6,094	$71,004	$3,330,355
22	256	$77,098	$5,967	$71,131	$3,259,224
22	257	$77,098	$5,839	$71,258	$3,187,966
22	258	$77,098	$5,712	$71,386	$3,116,580
22	259	$77,098	$5,584	$71,514	$3,045,066
22	260	$77,098	$5,456	$71,642	$2,973,424
22	261	$77,098	$5,327	$71,770	$2,901,654
22	262	$77,098	$5,199	$71,899	$2,829,755
22	263	$77,098	$5,070	$72,028	$2,757,727
22	264	$77,098	$4,941	$72,157	$2,685,570
23	265	$77,098	$4,812	$72,286	$2,613,284
23	266	$77,098	$4,682	$72,416	$2,540,869
23	267	$77,098	$4,552	$72,545	$2,468,324
23	268	$77,098	$4,422	$72,675	$2,395,648
23	269	$77,098	$4,292	$72,805	$2,322,843
23	270	$77,098	$4,162	$72,936	$2,249,907
23	271	$77,098	$4,031	$73,067	$2,176,841
23	272	$77,098	$3,900	$73,197	$2,103,643
23	273	$77,098	$3,769	$73,329	$2,030,314
23	274	$77,098	$3,638	$73,460	$1,956,854
23	275	$77,098	$3,506	$73,592	$1,883,263
23	276	$77,098	$3,374	$73,723	$1,809,539
24	277	$77,098	$3,242	$73,856	$1,735,684
24	278	$77,098	$3,110	$73,988	$1,661,696
24	279	$77,098	$2,977	$74,120	$1,587,575
24	280	$77,098	$2,844	$74,253	$1,513,322
24	281	$77,098	$2,711	$74,386	$1,438,936
24	282	$77,098	$2,578	$74,520	$1,364,416
24	283	$77,098	$2,445	$74,653	$1,289,763
24	284	$77,098	$2,311	$74,787	$1,214,977
24	285	$77,098	$2,177	$74,921	$1,140,056
24	286	$77,098	$2,043	$75,055	$1,065,001
24	287	$77,098	$1,908	$75,190	$989,811
24	288	$77,098	$1,773	$75,324	$914,487
25	289	$77,098	$1,638	$75,459	$839,028
25	290	$77,098	$1,503	$75,594	$763,433
25	291	$77,098	$1,368	$75,730	$687,703
25	292	$77,098	$1,232	$75,866	$611,838
25	293	$77,098	$1,096	$76,001	$535,837
25	294	$77,098	$960	$76,138	$459,699
25	295	$77,098	$824	$76,274	$383,425
25	296	$77,098	$687	$76,411	$307,014
25	297	$77,098	$550	$76,548	$230,467
25	298	$77,098	$413	$76,685	$153,782
25	299	$77,098	$276	$76,822	$76,960
25	300	$77,098	$138	$76,960	$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$ 11,920,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 12,218,000

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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.