Century 21 Centaland Property

Down Payment (HKD)

$24,800,000

Monthly Repayment (HKD)

$160,405

Loan Amount (HKD)

$37,200,000

Total Interest (HKD)

$10,921,352

Total Repayment (HKD)

$48,121,352

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$160,405	$66,650	$93,755	$37,106,245
1	2	$160,405	$66,482	$93,922	$37,012,323
1	3	$160,405	$66,314	$94,091	$36,918,232
1	4	$160,405	$66,145	$94,259	$36,823,973
1	5	$160,405	$65,976	$94,428	$36,729,545
1	6	$160,405	$65,807	$94,597	$36,634,947
1	7	$160,405	$65,638	$94,767	$36,540,180
1	8	$160,405	$65,468	$94,937	$36,445,244
1	9	$160,405	$65,298	$95,107	$36,350,137
1	10	$160,405	$65,127	$95,277	$36,254,860
1	11	$160,405	$64,957	$95,448	$36,159,412
1	12	$160,405	$64,786	$95,619	$36,063,793
2	13	$160,405	$64,614	$95,790	$35,968,003
2	14	$160,405	$64,443	$95,962	$35,872,041
2	15	$160,405	$64,271	$96,134	$35,775,907
2	16	$160,405	$64,099	$96,306	$35,679,601
2	17	$160,405	$63,926	$96,479	$35,583,123
2	18	$160,405	$63,753	$96,651	$35,486,471
2	19	$160,405	$63,580	$96,825	$35,389,647
2	20	$160,405	$63,406	$96,998	$35,292,649
2	21	$160,405	$63,233	$97,172	$35,195,477
2	22	$160,405	$63,059	$97,346	$35,098,131
2	23	$160,405	$62,884	$97,520	$35,000,610
2	24	$160,405	$62,709	$97,695	$34,902,915
3	25	$160,405	$62,534	$97,870	$34,805,045
3	26	$160,405	$62,359	$98,045	$34,707,000
3	27	$160,405	$62,183	$98,221	$34,608,779
3	28	$160,405	$62,007	$98,397	$34,510,382
3	29	$160,405	$61,831	$98,573	$34,411,808
3	30	$160,405	$61,654	$98,750	$34,313,058
3	31	$160,405	$61,478	$98,927	$34,214,131
3	32	$160,405	$61,300	$99,104	$34,115,027
3	33	$160,405	$61,123	$99,282	$34,015,745
3	34	$160,405	$60,945	$99,460	$33,916,286
3	35	$160,405	$60,767	$99,638	$33,816,648
3	36	$160,405	$60,588	$99,816	$33,716,831
4	37	$160,405	$60,409	$99,995	$33,616,836
4	38	$160,405	$60,230	$100,174	$33,516,662
4	39	$160,405	$60,051	$100,354	$33,416,308
4	40	$160,405	$59,871	$100,534	$33,315,774
4	41	$160,405	$59,691	$100,714	$33,215,061
4	42	$160,405	$59,510	$100,894	$33,114,167
4	43	$160,405	$59,330	$101,075	$33,013,092
4	44	$160,405	$59,148	$101,256	$32,911,836
4	45	$160,405	$58,967	$101,437	$32,810,398
4	46	$160,405	$58,785	$101,619	$32,708,779
4	47	$160,405	$58,603	$101,801	$32,606,978
4	48	$160,405	$58,421	$101,984	$32,504,994
5	49	$160,405	$58,238	$102,166	$32,402,828
5	50	$160,405	$58,055	$102,349	$32,300,478
5	51	$160,405	$57,872	$102,533	$32,197,945
5	52	$160,405	$57,688	$102,717	$32,095,229
5	53	$160,405	$57,504	$102,901	$31,992,328
5	54	$160,405	$57,320	$103,085	$31,889,243
5	55	$160,405	$57,135	$103,270	$31,785,974
5	56	$160,405	$56,950	$103,455	$31,682,519
5	57	$160,405	$56,765	$103,640	$31,578,879
5	58	$160,405	$56,579	$103,826	$31,475,053
5	59	$160,405	$56,393	$104,012	$31,371,042
5	60	$160,405	$56,206	$104,198	$31,266,844
6	61	$160,405	$56,020	$104,385	$31,162,459
6	62	$160,405	$55,833	$104,572	$31,057,887
6	63	$160,405	$55,645	$104,759	$30,953,128
6	64	$160,405	$55,458	$104,947	$30,848,181
6	65	$160,405	$55,270	$105,135	$30,743,046
6	66	$160,405	$55,081	$105,323	$30,637,723
6	67	$160,405	$54,893	$105,512	$30,532,211
6	68	$160,405	$54,704	$105,701	$30,426,510
6	69	$160,405	$54,514	$105,890	$30,320,620
6	70	$160,405	$54,324	$106,080	$30,214,540
6	71	$160,405	$54,134	$106,270	$30,108,270
6	72	$160,405	$53,944	$106,461	$30,001,809
7	73	$160,405	$53,753	$106,651	$29,895,158
7	74	$160,405	$53,562	$106,842	$29,788,316
7	75	$160,405	$53,371	$107,034	$29,681,282
7	76	$160,405	$53,179	$107,226	$29,574,056
7	77	$160,405	$52,987	$107,418	$29,466,639
7	78	$160,405	$52,794	$107,610	$29,359,028
7	79	$160,405	$52,602	$107,803	$29,251,226
7	80	$160,405	$52,408	$107,996	$29,143,230
7	81	$160,405	$52,215	$108,190	$29,035,040
7	82	$160,405	$52,021	$108,383	$28,926,657
7	83	$160,405	$51,827	$108,578	$28,818,079
7	84	$160,405	$51,632	$108,772	$28,709,307
8	85	$160,405	$51,438	$108,967	$28,600,340
8	86	$160,405	$51,242	$109,162	$28,491,178
8	87	$160,405	$51,047	$109,358	$28,381,820
8	88	$160,405	$50,851	$109,554	$28,272,266
8	89	$160,405	$50,654	$109,750	$28,162,516
8	90	$160,405	$50,458	$109,947	$28,052,569
8	91	$160,405	$50,261	$110,144	$27,942,426
8	92	$160,405	$50,064	$110,341	$27,832,085
8	93	$160,405	$49,866	$110,539	$27,721,546
8	94	$160,405	$49,668	$110,737	$27,610,809
8	95	$160,405	$49,469	$110,935	$27,499,874
8	96	$160,405	$49,271	$111,134	$27,388,740
9	97	$160,405	$49,071	$111,333	$27,277,407
9	98	$160,405	$48,872	$111,532	$27,165,875
9	99	$160,405	$48,672	$111,732	$27,054,143
9	100	$160,405	$48,472	$111,932	$26,942,210
9	101	$160,405	$48,271	$112,133	$26,830,077
9	102	$160,405	$48,071	$112,334	$26,717,743
9	103	$160,405	$47,869	$112,535	$26,605,208
9	104	$160,405	$47,668	$112,737	$26,492,471
9	105	$160,405	$47,466	$112,939	$26,379,532
9	106	$160,405	$47,263	$113,141	$26,266,391
9	107	$160,405	$47,061	$113,344	$26,153,047
9	108	$160,405	$46,858	$113,547	$26,039,500
10	109	$160,405	$46,654	$113,750	$25,925,750
10	110	$160,405	$46,450	$113,954	$25,811,795
10	111	$160,405	$46,246	$114,158	$25,697,637
10	112	$160,405	$46,042	$114,363	$25,583,274
10	113	$160,405	$45,837	$114,568	$25,468,706
10	114	$160,405	$45,631	$114,773	$25,353,933
10	115	$160,405	$45,426	$114,979	$25,238,955
10	116	$160,405	$45,220	$115,185	$25,123,770
10	117	$160,405	$45,013	$115,391	$25,008,379
10	118	$160,405	$44,807	$115,598	$24,892,781
10	119	$160,405	$44,600	$115,805	$24,776,976
10	120	$160,405	$44,392	$116,012	$24,660,964
11	121	$160,405	$44,184	$116,220	$24,544,743
11	122	$160,405	$43,976	$116,429	$24,428,315
11	123	$160,405	$43,767	$116,637	$24,311,678
11	124	$160,405	$43,558	$116,846	$24,194,832
11	125	$160,405	$43,349	$117,055	$24,077,776
11	126	$160,405	$43,139	$117,265	$23,960,511
11	127	$160,405	$42,929	$117,475	$23,843,036
11	128	$160,405	$42,719	$117,686	$23,725,350
11	129	$160,405	$42,508	$117,897	$23,607,454
11	130	$160,405	$42,297	$118,108	$23,489,346
11	131	$160,405	$42,085	$118,319	$23,371,026
11	132	$160,405	$41,873	$118,531	$23,252,495
12	133	$160,405	$41,661	$118,744	$23,133,751
12	134	$160,405	$41,448	$118,957	$23,014,795
12	135	$160,405	$41,235	$119,170	$22,895,625
12	136	$160,405	$41,021	$119,383	$22,776,242
12	137	$160,405	$40,807	$119,597	$22,656,645
12	138	$160,405	$40,593	$119,811	$22,536,833
12	139	$160,405	$40,378	$120,026	$22,416,807
12	140	$160,405	$40,163	$120,241	$22,296,566
12	141	$160,405	$39,948	$120,456	$22,176,110
12	142	$160,405	$39,732	$120,672	$22,055,437
12	143	$160,405	$39,516	$120,889	$21,934,549
12	144	$160,405	$39,299	$121,105	$21,813,444
13	145	$160,405	$39,082	$121,322	$21,692,122
13	146	$160,405	$38,865	$121,539	$21,570,582
13	147	$160,405	$38,647	$121,757	$21,448,825
13	148	$160,405	$38,429	$121,975	$21,326,850
13	149	$160,405	$38,211	$122,194	$21,204,656
13	150	$160,405	$37,992	$122,413	$21,082,243
13	151	$160,405	$37,772	$122,632	$20,959,611
13	152	$160,405	$37,553	$122,852	$20,836,759
13	153	$160,405	$37,333	$123,072	$20,713,687
13	154	$160,405	$37,112	$123,292	$20,590,394
13	155	$160,405	$36,891	$123,513	$20,466,881
13	156	$160,405	$36,670	$123,735	$20,343,146
14	157	$160,405	$36,448	$123,956	$20,219,190
14	158	$160,405	$36,226	$124,178	$20,095,012
14	159	$160,405	$36,004	$124,401	$19,970,611
14	160	$160,405	$35,781	$124,624	$19,845,987
14	161	$160,405	$35,557	$124,847	$19,721,140
14	162	$160,405	$35,334	$125,071	$19,596,069
14	163	$160,405	$35,110	$125,295	$19,470,774
14	164	$160,405	$34,885	$125,519	$19,345,255
14	165	$160,405	$34,660	$125,744	$19,219,510
14	166	$160,405	$34,435	$125,970	$19,093,541
14	167	$160,405	$34,209	$126,195	$18,967,346
14	168	$160,405	$33,983	$126,421	$18,840,924
15	169	$160,405	$33,757	$126,648	$18,714,276
15	170	$160,405	$33,530	$126,875	$18,587,402
15	171	$160,405	$33,302	$127,102	$18,460,300
15	172	$160,405	$33,075	$127,330	$18,332,970
15	173	$160,405	$32,847	$127,558	$18,205,412
15	174	$160,405	$32,618	$127,786	$18,077,625
15	175	$160,405	$32,389	$128,015	$17,949,610
15	176	$160,405	$32,160	$128,245	$17,821,365
15	177	$160,405	$31,930	$128,475	$17,692,891
15	178	$160,405	$31,700	$128,705	$17,564,186
15	179	$160,405	$31,469	$128,935	$17,435,250
15	180	$160,405	$31,238	$129,166	$17,306,084
16	181	$160,405	$31,007	$129,398	$17,176,686
16	182	$160,405	$30,775	$129,630	$17,047,057
16	183	$160,405	$30,543	$129,862	$16,917,195
16	184	$160,405	$30,310	$130,095	$16,787,100
16	185	$160,405	$30,077	$130,328	$16,656,773
16	186	$160,405	$29,843	$130,561	$16,526,212
16	187	$160,405	$29,609	$130,795	$16,395,417
16	188	$160,405	$29,375	$131,029	$16,264,387
16	189	$160,405	$29,140	$131,264	$16,133,123
16	190	$160,405	$28,905	$131,499	$16,001,624
16	191	$160,405	$28,670	$131,735	$15,869,889
16	192	$160,405	$28,434	$131,971	$15,737,918
17	193	$160,405	$28,197	$132,207	$15,605,710
17	194	$160,405	$27,960	$132,444	$15,473,266
17	195	$160,405	$27,723	$132,682	$15,340,585
17	196	$160,405	$27,485	$132,919	$15,207,665
17	197	$160,405	$27,247	$133,157	$15,074,508
17	198	$160,405	$27,008	$133,396	$14,941,112
17	199	$160,405	$26,769	$133,635	$14,807,477
17	200	$160,405	$26,530	$133,874	$14,673,602
17	201	$160,405	$26,290	$134,114	$14,539,488
17	202	$160,405	$26,050	$134,355	$14,405,134
17	203	$160,405	$25,809	$134,595	$14,270,538
17	204	$160,405	$25,568	$134,836	$14,135,702
18	205	$160,405	$25,326	$135,078	$14,000,624
18	206	$160,405	$25,084	$135,320	$13,865,304
18	207	$160,405	$24,842	$135,563	$13,729,741
18	208	$160,405	$24,599	$135,805	$13,593,936
18	209	$160,405	$24,356	$136,049	$13,457,887
18	210	$160,405	$24,112	$136,292	$13,321,595
18	211	$160,405	$23,868	$136,537	$13,185,058
18	212	$160,405	$23,623	$136,781	$13,048,277
18	213	$160,405	$23,378	$137,026	$12,911,250
18	214	$160,405	$23,133	$137,272	$12,773,979
18	215	$160,405	$22,887	$137,518	$12,636,461
18	216	$160,405	$22,640	$137,764	$12,498,697
19	217	$160,405	$22,393	$138,011	$12,360,686
19	218	$160,405	$22,146	$138,258	$12,222,427
19	219	$160,405	$21,899	$138,506	$12,083,921
19	220	$160,405	$21,650	$138,754	$11,945,167
19	221	$160,405	$21,402	$139,003	$11,806,164
19	222	$160,405	$21,153	$139,252	$11,666,913
19	223	$160,405	$20,903	$139,501	$11,527,411
19	224	$160,405	$20,653	$139,751	$11,387,660
19	225	$160,405	$20,403	$140,002	$11,247,658
19	226	$160,405	$20,152	$140,252	$11,107,406
19	227	$160,405	$19,901	$140,504	$10,966,902
19	228	$160,405	$19,649	$140,755	$10,826,147
20	229	$160,405	$19,397	$141,008	$10,685,139
20	230	$160,405	$19,144	$141,260	$10,543,879
20	231	$160,405	$18,891	$141,513	$10,402,365
20	232	$160,405	$18,638	$141,767	$10,260,599
20	233	$160,405	$18,384	$142,021	$10,118,578
20	234	$160,405	$18,129	$142,275	$9,976,302
20	235	$160,405	$17,874	$142,530	$9,833,772
20	236	$160,405	$17,619	$142,786	$9,690,986
20	237	$160,405	$17,363	$143,041	$9,547,945
20	238	$160,405	$17,107	$143,298	$9,404,647
20	239	$160,405	$16,850	$143,555	$9,261,092
20	240	$160,405	$16,593	$143,812	$9,117,281
21	241	$160,405	$16,335	$144,069	$8,973,211
21	242	$160,405	$16,077	$144,328	$8,828,884
21	243	$160,405	$15,818	$144,586	$8,684,298
21	244	$160,405	$15,559	$144,845	$8,539,453
21	245	$160,405	$15,300	$145,105	$8,394,348
21	246	$160,405	$15,040	$145,365	$8,248,983
21	247	$160,405	$14,779	$145,625	$8,103,358
21	248	$160,405	$14,519	$145,886	$7,957,472
21	249	$160,405	$14,257	$146,147	$7,811,325
21	250	$160,405	$13,995	$146,409	$7,664,916
21	251	$160,405	$13,733	$146,672	$7,518,244
21	252	$160,405	$13,470	$146,934	$7,371,310
22	253	$160,405	$13,207	$147,198	$7,224,112
22	254	$160,405	$12,943	$147,461	$7,076,651
22	255	$160,405	$12,679	$147,726	$6,928,925
22	256	$160,405	$12,414	$147,990	$6,780,935
22	257	$160,405	$12,149	$148,255	$6,632,680
22	258	$160,405	$11,884	$148,521	$6,484,159
22	259	$160,405	$11,617	$148,787	$6,335,372
22	260	$160,405	$11,351	$149,054	$6,186,318
22	261	$160,405	$11,084	$149,321	$6,036,998
22	262	$160,405	$10,816	$149,588	$5,887,409
22	263	$160,405	$10,548	$149,856	$5,737,553
22	264	$160,405	$10,280	$150,125	$5,587,428
23	265	$160,405	$10,011	$150,394	$5,437,035
23	266	$160,405	$9,741	$150,663	$5,286,372
23	267	$160,405	$9,471	$150,933	$5,135,439
23	268	$160,405	$9,201	$151,204	$4,984,235
23	269	$160,405	$8,930	$151,474	$4,832,761
23	270	$160,405	$8,659	$151,746	$4,681,015
23	271	$160,405	$8,387	$152,018	$4,528,997
23	272	$160,405	$8,114	$152,290	$4,376,707
23	273	$160,405	$7,842	$152,563	$4,224,144
23	274	$160,405	$7,568	$152,836	$4,071,308
23	275	$160,405	$7,294	$153,110	$3,918,198
23	276	$160,405	$7,020	$153,384	$3,764,813
24	277	$160,405	$6,745	$153,659	$3,611,154
24	278	$160,405	$6,470	$153,935	$3,457,220
24	279	$160,405	$6,194	$154,210	$3,303,009
24	280	$160,405	$5,918	$154,487	$3,148,523
24	281	$160,405	$5,641	$154,763	$2,993,759
24	282	$160,405	$5,364	$155,041	$2,838,719
24	283	$160,405	$5,086	$155,318	$2,683,400
24	284	$160,405	$4,808	$155,597	$2,527,803
24	285	$160,405	$4,529	$155,876	$2,371,928
24	286	$160,405	$4,250	$156,155	$2,215,773
24	287	$160,405	$3,970	$156,435	$2,059,339
24	288	$160,405	$3,690	$156,715	$1,902,624
25	289	$160,405	$3,409	$156,996	$1,745,628
25	290	$160,405	$3,128	$157,277	$1,588,351
25	291	$160,405	$2,846	$157,559	$1,430,792
25	292	$160,405	$2,564	$157,841	$1,272,951
25	293	$160,405	$2,281	$158,124	$1,114,828
25	294	$160,405	$1,997	$158,407	$956,421
25	295	$160,405	$1,714	$158,691	$797,730
25	296	$160,405	$1,429	$158,975	$638,754
25	297	$160,405	$1,144	$159,260	$479,494
25	298	$160,405	$859	$159,545	$319,949
25	299	$160,405	$573	$159,831	$160,118
25	300	$160,405	$287	$160,118	$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$ 24,800,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 25,420,000

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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.