Century 21 Centaland Property

Down Payment (HKD)

$24,400,000

Monthly Repayment (HKD)

$157,817

Loan Amount (HKD)

$36,600,000

Total Interest (HKD)

$10,745,201

Total Repayment (HKD)

$47,345,201

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$157,817	$65,575	$92,242	$36,507,758
1	2	$157,817	$65,410	$92,408	$36,415,350
1	3	$157,817	$65,244	$92,573	$36,322,777
1	4	$157,817	$65,078	$92,739	$36,230,038
1	5	$157,817	$64,912	$92,905	$36,137,133
1	6	$157,817	$64,746	$93,072	$36,044,061
1	7	$157,817	$64,579	$93,238	$35,950,823
1	8	$157,817	$64,412	$93,405	$35,857,417
1	9	$157,817	$64,245	$93,573	$35,763,844
1	10	$157,817	$64,077	$93,740	$35,670,104
1	11	$157,817	$63,909	$93,908	$35,576,196
1	12	$157,817	$63,741	$94,077	$35,482,119
2	13	$157,817	$63,572	$94,245	$35,387,874
2	14	$157,817	$63,403	$94,414	$35,293,460
2	15	$157,817	$63,234	$94,583	$35,198,876
2	16	$157,817	$63,065	$94,753	$35,104,124
2	17	$157,817	$62,895	$94,922	$35,009,201
2	18	$157,817	$62,725	$95,093	$34,914,109
2	19	$157,817	$62,554	$95,263	$34,818,846
2	20	$157,817	$62,384	$95,434	$34,723,412
2	21	$157,817	$62,213	$95,605	$34,627,808
2	22	$157,817	$62,041	$95,776	$34,532,032
2	23	$157,817	$61,870	$95,947	$34,436,084
2	24	$157,817	$61,698	$96,119	$34,339,965
3	25	$157,817	$61,526	$96,292	$34,243,674
3	26	$157,817	$61,353	$96,464	$34,147,209
3	27	$157,817	$61,180	$96,637	$34,050,573
3	28	$157,817	$61,007	$96,810	$33,953,762
3	29	$157,817	$60,834	$96,984	$33,856,779
3	30	$157,817	$60,660	$97,157	$33,759,622
3	31	$157,817	$60,486	$97,331	$33,662,290
3	32	$157,817	$60,312	$97,506	$33,564,785
3	33	$157,817	$60,137	$97,680	$33,467,104
3	34	$157,817	$59,962	$97,855	$33,369,249
3	35	$157,817	$59,787	$98,031	$33,271,218
3	36	$157,817	$59,611	$98,206	$33,173,012
4	37	$157,817	$59,435	$98,382	$33,074,629
4	38	$157,817	$59,259	$98,559	$32,976,071
4	39	$157,817	$59,082	$98,735	$32,877,335
4	40	$157,817	$58,905	$98,912	$32,778,423
4	41	$157,817	$58,728	$99,089	$32,679,334
4	42	$157,817	$58,550	$99,267	$32,580,067
4	43	$157,817	$58,373	$99,445	$32,480,622
4	44	$157,817	$58,194	$99,623	$32,380,999
4	45	$157,817	$58,016	$99,801	$32,281,198
4	46	$157,817	$57,837	$99,980	$32,181,218
4	47	$157,817	$57,658	$100,159	$32,081,059
4	48	$157,817	$57,479	$100,339	$31,980,720
5	49	$157,817	$57,299	$100,519	$31,880,201
5	50	$157,817	$57,119	$100,699	$31,779,503
5	51	$157,817	$56,938	$100,879	$31,678,624
5	52	$157,817	$56,758	$101,060	$31,577,564
5	53	$157,817	$56,576	$101,241	$31,476,323
5	54	$157,817	$56,395	$101,422	$31,374,901
5	55	$157,817	$56,213	$101,604	$31,273,297
5	56	$157,817	$56,031	$101,786	$31,171,511
5	57	$157,817	$55,849	$101,968	$31,069,542
5	58	$157,817	$55,666	$102,151	$30,967,391
5	59	$157,817	$55,483	$102,334	$30,865,057
5	60	$157,817	$55,300	$102,517	$30,762,540
6	61	$157,817	$55,116	$102,701	$30,659,839
6	62	$157,817	$54,932	$102,885	$30,556,953
6	63	$157,817	$54,748	$103,069	$30,453,884
6	64	$157,817	$54,563	$103,254	$30,350,630
6	65	$157,817	$54,378	$103,439	$30,247,191
6	66	$157,817	$54,193	$103,624	$30,143,566
6	67	$157,817	$54,007	$103,810	$30,039,756
6	68	$157,817	$53,821	$103,996	$29,935,760
6	69	$157,817	$53,635	$104,182	$29,831,578
6	70	$157,817	$53,448	$104,369	$29,727,209
6	71	$157,817	$53,261	$104,556	$29,622,652
6	72	$157,817	$53,074	$104,743	$29,517,909
7	73	$157,817	$52,886	$104,931	$29,412,978
7	74	$157,817	$52,698	$105,119	$29,307,859
7	75	$157,817	$52,510	$105,307	$29,202,551
7	76	$157,817	$52,321	$105,496	$29,097,055
7	77	$157,817	$52,132	$105,685	$28,991,370
7	78	$157,817	$51,943	$105,874	$28,885,496
7	79	$157,817	$51,753	$106,064	$28,779,432
7	80	$157,817	$51,563	$106,254	$28,673,177
7	81	$157,817	$51,373	$106,445	$28,566,733
7	82	$157,817	$51,182	$106,635	$28,460,098
7	83	$157,817	$50,991	$106,826	$28,353,271
7	84	$157,817	$50,800	$107,018	$28,246,254
8	85	$157,817	$50,608	$107,209	$28,139,044
8	86	$157,817	$50,416	$107,402	$28,031,643
8	87	$157,817	$50,223	$107,594	$27,924,049
8	88	$157,817	$50,031	$107,787	$27,816,262
8	89	$157,817	$49,837	$107,980	$27,708,282
8	90	$157,817	$49,644	$108,173	$27,600,109
8	91	$157,817	$49,450	$108,367	$27,491,741
8	92	$157,817	$49,256	$108,561	$27,383,180
8	93	$157,817	$49,062	$108,756	$27,274,424
8	94	$157,817	$48,867	$108,951	$27,165,474
8	95	$157,817	$48,671	$109,146	$27,056,328
8	96	$157,817	$48,476	$109,341	$26,946,986
9	97	$157,817	$48,280	$109,537	$26,837,449
9	98	$157,817	$48,084	$109,734	$26,727,716
9	99	$157,817	$47,887	$109,930	$26,617,785
9	100	$157,817	$47,690	$110,127	$26,507,658
9	101	$157,817	$47,493	$110,324	$26,397,334
9	102	$157,817	$47,295	$110,522	$26,286,812
9	103	$157,817	$47,097	$110,720	$26,176,092
9	104	$157,817	$46,899	$110,919	$26,065,173
9	105	$157,817	$46,700	$111,117	$25,954,056
9	106	$157,817	$46,501	$111,316	$25,842,739
9	107	$157,817	$46,302	$111,516	$25,731,224
9	108	$157,817	$46,102	$111,716	$25,619,508
10	109	$157,817	$45,902	$111,916	$25,507,592
10	110	$157,817	$45,701	$112,116	$25,395,476
10	111	$157,817	$45,500	$112,317	$25,283,159
10	112	$157,817	$45,299	$112,518	$25,170,641
10	113	$157,817	$45,097	$112,720	$25,057,921
10	114	$157,817	$44,895	$112,922	$24,944,999
10	115	$157,817	$44,693	$113,124	$24,831,875
10	116	$157,817	$44,490	$113,327	$24,718,548
10	117	$157,817	$44,287	$113,530	$24,605,018
10	118	$157,817	$44,084	$113,733	$24,491,285
10	119	$157,817	$43,880	$113,937	$24,377,347
10	120	$157,817	$43,676	$114,141	$24,263,206
11	121	$157,817	$43,472	$114,346	$24,148,860
11	122	$157,817	$43,267	$114,551	$24,034,310
11	123	$157,817	$43,061	$114,756	$23,919,554
11	124	$157,817	$42,856	$114,961	$23,804,592
11	125	$157,817	$42,650	$115,167	$23,689,425
11	126	$157,817	$42,444	$115,374	$23,574,051
11	127	$157,817	$42,237	$115,580	$23,458,471
11	128	$157,817	$42,030	$115,788	$23,342,683
11	129	$157,817	$41,822	$115,995	$23,226,688
11	130	$157,817	$41,614	$116,203	$23,110,485
11	131	$157,817	$41,406	$116,411	$22,994,074
11	132	$157,817	$41,198	$116,620	$22,877,455
12	133	$157,817	$40,989	$116,829	$22,760,626
12	134	$157,817	$40,779	$117,038	$22,643,588
12	135	$157,817	$40,570	$117,248	$22,526,341
12	136	$157,817	$40,360	$117,458	$22,408,883
12	137	$157,817	$40,149	$117,668	$22,291,215
12	138	$157,817	$39,938	$117,879	$22,173,336
12	139	$157,817	$39,727	$118,090	$22,055,246
12	140	$157,817	$39,516	$118,302	$21,936,944
12	141	$157,817	$39,304	$118,514	$21,818,431
12	142	$157,817	$39,091	$118,726	$21,699,705
12	143	$157,817	$38,879	$118,939	$21,580,766
12	144	$157,817	$38,666	$119,152	$21,461,614
13	145	$157,817	$38,452	$119,365	$21,342,249
13	146	$157,817	$38,238	$119,579	$21,222,670
13	147	$157,817	$38,024	$119,793	$21,102,876
13	148	$157,817	$37,809	$120,008	$20,982,868
13	149	$157,817	$37,594	$120,223	$20,862,645
13	150	$157,817	$37,379	$120,438	$20,742,207
13	151	$157,817	$37,163	$120,654	$20,621,553
13	152	$157,817	$36,947	$120,870	$20,500,682
13	153	$157,817	$36,730	$121,087	$20,379,595
13	154	$157,817	$36,513	$121,304	$20,258,291
13	155	$157,817	$36,296	$121,521	$20,136,770
13	156	$157,817	$36,078	$121,739	$20,015,031
14	157	$157,817	$35,860	$121,957	$19,893,074
14	158	$157,817	$35,642	$122,176	$19,770,898
14	159	$157,817	$35,423	$122,394	$19,648,504
14	160	$157,817	$35,204	$122,614	$19,525,890
14	161	$157,817	$34,984	$122,833	$19,403,057
14	162	$157,817	$34,764	$123,054	$19,280,003
14	163	$157,817	$34,543	$123,274	$19,156,729
14	164	$157,817	$34,322	$123,495	$19,033,234
14	165	$157,817	$34,101	$123,716	$18,909,518
14	166	$157,817	$33,880	$123,938	$18,785,581
14	167	$157,817	$33,657	$124,160	$18,661,421
14	168	$157,817	$33,435	$124,382	$18,537,038
15	169	$157,817	$33,212	$124,605	$18,412,433
15	170	$157,817	$32,989	$124,828	$18,287,605
15	171	$157,817	$32,765	$125,052	$18,162,553
15	172	$157,817	$32,541	$125,276	$18,037,277
15	173	$157,817	$32,317	$125,501	$17,911,776
15	174	$157,817	$32,092	$125,725	$17,786,051
15	175	$157,817	$31,867	$125,951	$17,660,100
15	176	$157,817	$31,641	$126,176	$17,533,924
15	177	$157,817	$31,415	$126,402	$17,407,521
15	178	$157,817	$31,188	$126,629	$17,280,893
15	179	$157,817	$30,962	$126,856	$17,154,037
15	180	$157,817	$30,734	$127,083	$17,026,954
16	181	$157,817	$30,507	$127,311	$16,899,643
16	182	$157,817	$30,279	$127,539	$16,772,104
16	183	$157,817	$30,050	$127,767	$16,644,337
16	184	$157,817	$29,821	$127,996	$16,516,341
16	185	$157,817	$29,592	$128,226	$16,388,115
16	186	$157,817	$29,362	$128,455	$16,259,660
16	187	$157,817	$29,132	$128,685	$16,130,974
16	188	$157,817	$28,901	$128,916	$16,002,058
16	189	$157,817	$28,670	$129,147	$15,872,911
16	190	$157,817	$28,439	$129,378	$15,743,533
16	191	$157,817	$28,207	$129,610	$15,613,923
16	192	$157,817	$27,975	$129,842	$15,484,080
17	193	$157,817	$27,742	$130,075	$15,354,005
17	194	$157,817	$27,509	$130,308	$15,223,697
17	195	$157,817	$27,276	$130,542	$15,093,156
17	196	$157,817	$27,042	$130,775	$14,962,380
17	197	$157,817	$26,808	$131,010	$14,831,371
17	198	$157,817	$26,573	$131,244	$14,700,126
17	199	$157,817	$26,338	$131,480	$14,568,647
17	200	$157,817	$26,102	$131,715	$14,436,931
17	201	$157,817	$25,866	$131,951	$14,304,980
17	202	$157,817	$25,630	$132,188	$14,172,793
17	203	$157,817	$25,393	$132,424	$14,040,368
17	204	$157,817	$25,156	$132,662	$13,907,707
18	205	$157,817	$24,918	$132,899	$13,774,807
18	206	$157,817	$24,680	$133,137	$13,641,670
18	207	$157,817	$24,441	$133,376	$13,508,294
18	208	$157,817	$24,202	$133,615	$13,374,679
18	209	$157,817	$23,963	$133,854	$13,240,824
18	210	$157,817	$23,723	$134,094	$13,106,730
18	211	$157,817	$23,483	$134,334	$12,972,396
18	212	$157,817	$23,242	$134,575	$12,837,821
18	213	$157,817	$23,001	$134,816	$12,703,004
18	214	$157,817	$22,760	$135,058	$12,567,947
18	215	$157,817	$22,518	$135,300	$12,432,647
18	216	$157,817	$22,275	$135,542	$12,297,105
19	217	$157,817	$22,032	$135,785	$12,161,320
19	218	$157,817	$21,789	$136,028	$12,025,291
19	219	$157,817	$21,545	$136,272	$11,889,019
19	220	$157,817	$21,301	$136,516	$11,752,503
19	221	$157,817	$21,057	$136,761	$11,615,742
19	222	$157,817	$20,812	$137,006	$11,478,737
19	223	$157,817	$20,566	$137,251	$11,341,485
19	224	$157,817	$20,320	$137,497	$11,203,988
19	225	$157,817	$20,074	$137,744	$11,066,245
19	226	$157,817	$19,827	$137,990	$10,928,254
19	227	$157,817	$19,580	$138,238	$10,790,017
19	228	$157,817	$19,332	$138,485	$10,651,532
20	229	$157,817	$19,084	$138,733	$10,512,798
20	230	$157,817	$18,835	$138,982	$10,373,816
20	231	$157,817	$18,586	$139,231	$10,234,585
20	232	$157,817	$18,337	$139,480	$10,095,105
20	233	$157,817	$18,087	$139,730	$9,955,375
20	234	$157,817	$17,837	$139,981	$9,815,394
20	235	$157,817	$17,586	$140,231	$9,675,163
20	236	$157,817	$17,335	$140,483	$9,534,680
20	237	$157,817	$17,083	$140,734	$9,393,946
20	238	$157,817	$16,831	$140,987	$9,252,959
20	239	$157,817	$16,578	$141,239	$9,111,720
20	240	$157,817	$16,325	$141,492	$8,970,228
21	241	$157,817	$16,072	$141,746	$8,828,482
21	242	$157,817	$15,818	$142,000	$8,686,483
21	243	$157,817	$15,563	$142,254	$8,544,228
21	244	$157,817	$15,308	$142,509	$8,401,720
21	245	$157,817	$15,053	$142,764	$8,258,955
21	246	$157,817	$14,797	$143,020	$8,115,935
21	247	$157,817	$14,541	$143,276	$7,972,659
21	248	$157,817	$14,284	$143,533	$7,829,126
21	249	$157,817	$14,027	$143,790	$7,685,336
21	250	$157,817	$13,770	$144,048	$7,541,288
21	251	$157,817	$13,511	$144,306	$7,396,982
21	252	$157,817	$13,253	$144,564	$7,252,418
22	253	$157,817	$12,994	$144,823	$7,107,594
22	254	$157,817	$12,734	$145,083	$6,962,511
22	255	$157,817	$12,474	$145,343	$6,817,169
22	256	$157,817	$12,214	$145,603	$6,671,565
22	257	$157,817	$11,953	$145,864	$6,525,701
22	258	$157,817	$11,692	$146,125	$6,379,576
22	259	$157,817	$11,430	$146,387	$6,233,189
22	260	$157,817	$11,168	$146,650	$6,086,539
22	261	$157,817	$10,905	$146,912	$5,939,627
22	262	$157,817	$10,642	$147,176	$5,792,451
22	263	$157,817	$10,378	$147,439	$5,645,012
22	264	$157,817	$10,114	$147,703	$5,497,309
23	265	$157,817	$9,849	$147,968	$5,349,341
23	266	$157,817	$9,584	$148,233	$5,201,108
23	267	$157,817	$9,319	$148,499	$5,052,609
23	268	$157,817	$9,053	$148,765	$4,903,844
23	269	$157,817	$8,786	$149,031	$4,754,813
23	270	$157,817	$8,519	$149,298	$4,605,515
23	271	$157,817	$8,252	$149,566	$4,455,949
23	272	$157,817	$7,984	$149,834	$4,306,115
23	273	$157,817	$7,715	$150,102	$4,156,013
23	274	$157,817	$7,446	$150,371	$4,005,642
23	275	$157,817	$7,177	$150,641	$3,855,001
23	276	$157,817	$6,907	$150,910	$3,704,091
24	277	$157,817	$6,636	$151,181	$3,552,910
24	278	$157,817	$6,366	$151,452	$3,401,458
24	279	$157,817	$6,094	$151,723	$3,249,735
24	280	$157,817	$5,822	$151,995	$3,097,740
24	281	$157,817	$5,550	$152,267	$2,945,473
24	282	$157,817	$5,277	$152,540	$2,792,933
24	283	$157,817	$5,004	$152,813	$2,640,120
24	284	$157,817	$4,730	$153,087	$2,487,032
24	285	$157,817	$4,456	$153,361	$2,333,671
24	286	$157,817	$4,181	$153,636	$2,180,035
24	287	$157,817	$3,906	$153,911	$2,026,123
24	288	$157,817	$3,630	$154,187	$1,871,936
25	289	$157,817	$3,354	$154,463	$1,717,473
25	290	$157,817	$3,077	$154,740	$1,562,733
25	291	$157,817	$2,800	$155,017	$1,407,715
25	292	$157,817	$2,522	$155,295	$1,252,420
25	293	$157,817	$2,244	$155,573	$1,096,847
25	294	$157,817	$1,965	$155,852	$940,994
25	295	$157,817	$1,686	$156,131	$784,863
25	296	$157,817	$1,406	$156,411	$628,452
25	297	$157,817	$1,126	$156,691	$471,761
25	298	$157,817	$845	$156,972	$314,788
25	299	$157,817	$564	$157,253	$157,535
25	300	$157,817	$282	$157,535	$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$ 24,400,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 25,010,000

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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.