Century 21 Centaland Property

Down Payment (HKD)

$23,960,000

Monthly Repayment (HKD)

$154,971

Loan Amount (HKD)

$35,940,000

Total Interest (HKD)

$10,551,435

Total Repayment (HKD)

$46,491,435

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$154,971	$64,393	$90,579	$35,849,421
1	2	$154,971	$64,230	$90,741	$35,758,680
1	3	$154,971	$64,068	$90,904	$35,667,776
1	4	$154,971	$63,905	$91,067	$35,576,709
1	5	$154,971	$63,742	$91,230	$35,485,479
1	6	$154,971	$63,578	$91,393	$35,394,086
1	7	$154,971	$63,414	$91,557	$35,302,529
1	8	$154,971	$63,250	$91,721	$35,210,808
1	9	$154,971	$63,086	$91,885	$35,118,923
1	10	$154,971	$62,921	$92,050	$35,026,873
1	11	$154,971	$62,756	$92,215	$34,934,658
1	12	$154,971	$62,591	$92,380	$34,842,277
2	13	$154,971	$62,426	$92,546	$34,749,732
2	14	$154,971	$62,260	$92,712	$34,657,020
2	15	$154,971	$62,094	$92,878	$34,564,143
2	16	$154,971	$61,927	$93,044	$34,471,099
2	17	$154,971	$61,761	$93,211	$34,377,888
2	18	$154,971	$61,594	$93,378	$34,284,510
2	19	$154,971	$61,426	$93,545	$34,190,965
2	20	$154,971	$61,259	$93,713	$34,097,252
2	21	$154,971	$61,091	$93,881	$34,003,372
2	22	$154,971	$60,923	$94,049	$33,909,323
2	23	$154,971	$60,754	$94,217	$33,815,106
2	24	$154,971	$60,585	$94,386	$33,720,720
3	25	$154,971	$60,416	$94,555	$33,626,165
3	26	$154,971	$60,247	$94,725	$33,531,440
3	27	$154,971	$60,077	$94,894	$33,436,546
3	28	$154,971	$59,907	$95,064	$33,341,482
3	29	$154,971	$59,737	$95,235	$33,246,247
3	30	$154,971	$59,566	$95,405	$33,150,842
3	31	$154,971	$59,395	$95,576	$33,055,265
3	32	$154,971	$59,224	$95,747	$32,959,518
3	33	$154,971	$59,052	$95,919	$32,863,599
3	34	$154,971	$58,881	$96,091	$32,767,508
3	35	$154,971	$58,708	$96,263	$32,671,245
3	36	$154,971	$58,536	$96,435	$32,574,810
4	37	$154,971	$58,363	$96,608	$32,478,201
4	38	$154,971	$58,190	$96,781	$32,381,420
4	39	$154,971	$58,017	$96,955	$32,284,465
4	40	$154,971	$57,843	$97,128	$32,187,337
4	41	$154,971	$57,669	$97,302	$32,090,034
4	42	$154,971	$57,495	$97,477	$31,992,558
4	43	$154,971	$57,320	$97,651	$31,894,906
4	44	$154,971	$57,145	$97,826	$31,797,080
4	45	$154,971	$56,970	$98,002	$31,699,078
4	46	$154,971	$56,794	$98,177	$31,600,901
4	47	$154,971	$56,618	$98,353	$31,502,548
4	48	$154,971	$56,442	$98,529	$31,404,018
5	49	$154,971	$56,266	$98,706	$31,305,312
5	50	$154,971	$56,089	$98,883	$31,206,430
5	51	$154,971	$55,912	$99,060	$31,107,370
5	52	$154,971	$55,734	$99,237	$31,008,132
5	53	$154,971	$55,556	$99,415	$30,908,717
5	54	$154,971	$55,378	$99,593	$30,809,124
5	55	$154,971	$55,200	$99,772	$30,709,352
5	56	$154,971	$55,021	$99,951	$30,609,401
5	57	$154,971	$54,842	$100,130	$30,509,272
5	58	$154,971	$54,662	$100,309	$30,408,963
5	59	$154,971	$54,483	$100,489	$30,308,474
5	60	$154,971	$54,303	$100,669	$30,207,805
6	61	$154,971	$54,122	$100,849	$30,106,956
6	62	$154,971	$53,942	$101,030	$30,005,926
6	63	$154,971	$53,761	$101,211	$29,904,716
6	64	$154,971	$53,579	$101,392	$29,803,323
6	65	$154,971	$53,398	$101,574	$29,701,750
6	66	$154,971	$53,216	$101,756	$29,599,994
6	67	$154,971	$53,033	$101,938	$29,498,056
6	68	$154,971	$52,851	$102,121	$29,395,935
6	69	$154,971	$52,668	$102,304	$29,293,631
6	70	$154,971	$52,484	$102,487	$29,191,144
6	71	$154,971	$52,301	$102,671	$29,088,473
6	72	$154,971	$52,117	$102,855	$28,985,619
7	73	$154,971	$51,933	$103,039	$28,882,580
7	74	$154,971	$51,748	$103,223	$28,779,356
7	75	$154,971	$51,563	$103,408	$28,675,948
7	76	$154,971	$51,378	$103,594	$28,572,354
7	77	$154,971	$51,192	$103,779	$28,468,575
7	78	$154,971	$51,006	$103,965	$28,364,610
7	79	$154,971	$50,820	$104,152	$28,260,458
7	80	$154,971	$50,633	$104,338	$28,156,120
7	81	$154,971	$50,446	$104,525	$28,051,595
7	82	$154,971	$50,259	$104,712	$27,946,883
7	83	$154,971	$50,071	$104,900	$27,841,983
7	84	$154,971	$49,884	$105,088	$27,736,895
8	85	$154,971	$49,695	$105,276	$27,631,619
8	86	$154,971	$49,507	$105,465	$27,526,154
8	87	$154,971	$49,318	$105,654	$27,420,500
8	88	$154,971	$49,128	$105,843	$27,314,657
8	89	$154,971	$48,939	$106,033	$27,208,624
8	90	$154,971	$48,749	$106,223	$27,102,402
8	91	$154,971	$48,558	$106,413	$26,995,989
8	92	$154,971	$48,368	$106,604	$26,889,385
8	93	$154,971	$48,177	$106,795	$26,782,590
8	94	$154,971	$47,985	$106,986	$26,675,605
8	95	$154,971	$47,794	$107,178	$26,568,427
8	96	$154,971	$47,602	$107,370	$26,461,057
9	97	$154,971	$47,409	$107,562	$26,353,495
9	98	$154,971	$47,217	$107,755	$26,245,740
9	99	$154,971	$47,024	$107,948	$26,137,793
9	100	$154,971	$46,830	$108,141	$26,029,651
9	101	$154,971	$46,636	$108,335	$25,921,316
9	102	$154,971	$46,442	$108,529	$25,812,787
9	103	$154,971	$46,248	$108,724	$25,704,064
9	104	$154,971	$46,053	$108,918	$25,595,145
9	105	$154,971	$45,858	$109,113	$25,486,032
9	106	$154,971	$45,662	$109,309	$25,376,723
9	107	$154,971	$45,467	$109,505	$25,267,218
9	108	$154,971	$45,270	$109,701	$25,157,517
10	109	$154,971	$45,074	$109,898	$25,047,619
10	110	$154,971	$44,877	$110,094	$24,937,525
10	111	$154,971	$44,680	$110,292	$24,827,233
10	112	$154,971	$44,482	$110,489	$24,716,744
10	113	$154,971	$44,284	$110,687	$24,606,057
10	114	$154,971	$44,086	$110,886	$24,495,171
10	115	$154,971	$43,887	$111,084	$24,384,087
10	116	$154,971	$43,688	$111,283	$24,272,804
10	117	$154,971	$43,489	$111,483	$24,161,321
10	118	$154,971	$43,289	$111,682	$24,049,638
10	119	$154,971	$43,089	$111,883	$23,937,756
10	120	$154,971	$42,888	$112,083	$23,825,673
11	121	$154,971	$42,688	$112,284	$23,713,389
11	122	$154,971	$42,486	$112,485	$23,600,904
11	123	$154,971	$42,285	$112,686	$23,488,218
11	124	$154,971	$42,083	$112,888	$23,375,329
11	125	$154,971	$41,881	$113,091	$23,262,239
11	126	$154,971	$41,678	$113,293	$23,148,945
11	127	$154,971	$41,475	$113,496	$23,035,449
11	128	$154,971	$41,272	$113,700	$22,921,750
11	129	$154,971	$41,068	$113,903	$22,807,846
11	130	$154,971	$40,864	$114,107	$22,693,739
11	131	$154,971	$40,660	$114,312	$22,579,427
11	132	$154,971	$40,455	$114,517	$22,464,910
12	133	$154,971	$40,250	$114,722	$22,350,189
12	134	$154,971	$40,044	$114,927	$22,235,261
12	135	$154,971	$39,838	$115,133	$22,120,128
12	136	$154,971	$39,632	$115,340	$22,004,788
12	137	$154,971	$39,425	$115,546	$21,889,242
12	138	$154,971	$39,218	$115,753	$21,773,489
12	139	$154,971	$39,011	$115,961	$21,657,528
12	140	$154,971	$38,803	$116,168	$21,541,360
12	141	$154,971	$38,595	$116,377	$21,424,983
12	142	$154,971	$38,386	$116,585	$21,308,398
12	143	$154,971	$38,178	$116,794	$21,191,604
12	144	$154,971	$37,968	$117,003	$21,074,601
13	145	$154,971	$37,759	$117,213	$20,957,389
13	146	$154,971	$37,549	$117,423	$20,839,966
13	147	$154,971	$37,338	$117,633	$20,722,333
13	148	$154,971	$37,128	$117,844	$20,604,489
13	149	$154,971	$36,916	$118,055	$20,486,434
13	150	$154,971	$36,705	$118,267	$20,368,167
13	151	$154,971	$36,493	$118,478	$20,249,688
13	152	$154,971	$36,281	$118,691	$20,130,998
13	153	$154,971	$36,068	$118,903	$20,012,094
13	154	$154,971	$35,855	$119,116	$19,892,978
13	155	$154,971	$35,642	$119,330	$19,773,648
13	156	$154,971	$35,428	$119,544	$19,654,104
14	157	$154,971	$35,214	$119,758	$19,534,346
14	158	$154,971	$34,999	$119,972	$19,414,374
14	159	$154,971	$34,784	$120,187	$19,294,187
14	160	$154,971	$34,569	$120,403	$19,173,784
14	161	$154,971	$34,353	$120,618	$19,053,166
14	162	$154,971	$34,137	$120,835	$18,932,331
14	163	$154,971	$33,920	$121,051	$18,811,280
14	164	$154,971	$33,704	$121,268	$18,690,012
14	165	$154,971	$33,486	$121,485	$18,568,527
14	166	$154,971	$33,269	$121,703	$18,446,824
14	167	$154,971	$33,051	$121,921	$18,324,903
14	168	$154,971	$32,832	$122,139	$18,202,764
15	169	$154,971	$32,613	$122,358	$18,080,406
15	170	$154,971	$32,394	$122,577	$17,957,828
15	171	$154,971	$32,174	$122,797	$17,835,031
15	172	$154,971	$31,954	$123,017	$17,712,014
15	173	$154,971	$31,734	$123,237	$17,588,777
15	174	$154,971	$31,513	$123,458	$17,465,319
15	175	$154,971	$31,292	$123,679	$17,341,639
15	176	$154,971	$31,070	$123,901	$17,217,738
15	177	$154,971	$30,848	$124,123	$17,093,615
15	178	$154,971	$30,626	$124,345	$16,969,270
15	179	$154,971	$30,403	$124,568	$16,844,702
15	180	$154,971	$30,180	$124,791	$16,719,910
16	181	$154,971	$29,957	$125,015	$16,594,895
16	182	$154,971	$29,733	$125,239	$16,469,656
16	183	$154,971	$29,508	$125,463	$16,344,193
16	184	$154,971	$29,283	$125,688	$16,218,505
16	185	$154,971	$29,058	$125,913	$16,092,592
16	186	$154,971	$28,833	$126,139	$15,966,453
16	187	$154,971	$28,607	$126,365	$15,840,088
16	188	$154,971	$28,380	$126,591	$15,713,497
16	189	$154,971	$28,153	$126,818	$15,586,679
16	190	$154,971	$27,926	$127,045	$15,459,633
16	191	$154,971	$27,699	$127,273	$15,332,360
16	192	$154,971	$27,470	$127,501	$15,204,859
17	193	$154,971	$27,242	$127,729	$15,077,130
17	194	$154,971	$27,013	$127,958	$14,949,172
17	195	$154,971	$26,784	$128,188	$14,820,984
17	196	$154,971	$26,554	$128,417	$14,692,567
17	197	$154,971	$26,324	$128,647	$14,563,920
17	198	$154,971	$26,094	$128,878	$14,435,042
17	199	$154,971	$25,863	$129,109	$14,305,933
17	200	$154,971	$25,631	$129,340	$14,176,593
17	201	$154,971	$25,400	$129,572	$14,047,022
17	202	$154,971	$25,168	$129,804	$13,917,218
17	203	$154,971	$24,935	$130,036	$13,787,181
17	204	$154,971	$24,702	$130,269	$13,656,912
18	205	$154,971	$24,469	$130,503	$13,526,409
18	206	$154,971	$24,235	$130,737	$13,395,672
18	207	$154,971	$24,001	$130,971	$13,264,702
18	208	$154,971	$23,766	$131,206	$13,133,496
18	209	$154,971	$23,531	$131,441	$13,002,055
18	210	$154,971	$23,295	$131,676	$12,870,379
18	211	$154,971	$23,059	$131,912	$12,738,467
18	212	$154,971	$22,823	$132,148	$12,606,319
18	213	$154,971	$22,586	$132,385	$12,473,934
18	214	$154,971	$22,349	$132,622	$12,341,311
18	215	$154,971	$22,112	$132,860	$12,208,452
18	216	$154,971	$21,873	$133,098	$12,075,354
19	217	$154,971	$21,635	$133,336	$11,942,017
19	218	$154,971	$21,396	$133,575	$11,808,442
19	219	$154,971	$21,157	$133,815	$11,674,627
19	220	$154,971	$20,917	$134,054	$11,540,573
19	221	$154,971	$20,677	$134,295	$11,406,278
19	222	$154,971	$20,436	$134,535	$11,271,743
19	223	$154,971	$20,195	$134,776	$11,136,967
19	224	$154,971	$19,954	$135,018	$11,001,949
19	225	$154,971	$19,712	$135,260	$10,866,689
19	226	$154,971	$19,469	$135,502	$10,731,187
19	227	$154,971	$19,227	$135,745	$10,595,443
19	228	$154,971	$18,984	$135,988	$10,459,455
20	229	$154,971	$18,740	$136,232	$10,323,223
20	230	$154,971	$18,496	$136,476	$10,186,747
20	231	$154,971	$18,251	$136,720	$10,050,027
20	232	$154,971	$18,006	$136,965	$9,913,062
20	233	$154,971	$17,761	$137,211	$9,775,852
20	234	$154,971	$17,515	$137,456	$9,638,395
20	235	$154,971	$17,269	$137,703	$9,500,693
20	236	$154,971	$17,022	$137,949	$9,362,743
20	237	$154,971	$16,775	$138,197	$9,224,547
20	238	$154,971	$16,527	$138,444	$9,086,102
20	239	$154,971	$16,279	$138,692	$8,947,410
20	240	$154,971	$16,031	$138,941	$8,808,470
21	241	$154,971	$15,782	$139,190	$8,669,280
21	242	$154,971	$15,532	$139,439	$8,529,841
21	243	$154,971	$15,283	$139,689	$8,390,152
21	244	$154,971	$15,032	$139,939	$8,250,213
21	245	$154,971	$14,782	$140,190	$8,110,023
21	246	$154,971	$14,530	$140,441	$7,969,582
21	247	$154,971	$14,279	$140,693	$7,828,890
21	248	$154,971	$14,027	$140,945	$7,687,945
21	249	$154,971	$13,774	$141,197	$7,546,748
21	250	$154,971	$13,521	$141,450	$7,405,298
21	251	$154,971	$13,268	$141,704	$7,263,594
21	252	$154,971	$13,014	$141,958	$7,121,636
22	253	$154,971	$12,760	$142,212	$6,979,425
22	254	$154,971	$12,505	$142,467	$6,836,958
22	255	$154,971	$12,250	$142,722	$6,694,236
22	256	$154,971	$11,994	$142,978	$6,551,258
22	257	$154,971	$11,738	$143,234	$6,408,025
22	258	$154,971	$11,481	$143,490	$6,264,534
22	259	$154,971	$11,224	$143,747	$6,120,787
22	260	$154,971	$10,966	$144,005	$5,976,782
22	261	$154,971	$10,708	$144,263	$5,832,519
22	262	$154,971	$10,450	$144,522	$5,687,997
22	263	$154,971	$10,191	$144,780	$5,543,217
22	264	$154,971	$9,932	$145,040	$5,398,177
23	265	$154,971	$9,672	$145,300	$5,252,877
23	266	$154,971	$9,411	$145,560	$5,107,317
23	267	$154,971	$9,151	$145,821	$4,961,496
23	268	$154,971	$8,889	$146,082	$4,815,414
23	269	$154,971	$8,628	$146,344	$4,669,070
23	270	$154,971	$8,365	$146,606	$4,522,464
23	271	$154,971	$8,103	$146,869	$4,375,596
23	272	$154,971	$7,840	$147,132	$4,228,464
23	273	$154,971	$7,576	$147,395	$4,081,068
23	274	$154,971	$7,312	$147,660	$3,933,409
23	275	$154,971	$7,047	$147,924	$3,785,485
23	276	$154,971	$6,782	$148,189	$3,637,296
24	277	$154,971	$6,517	$148,455	$3,488,841
24	278	$154,971	$6,251	$148,721	$3,340,120
24	279	$154,971	$5,984	$148,987	$3,191,133
24	280	$154,971	$5,717	$149,254	$3,041,879
24	281	$154,971	$5,450	$149,521	$2,892,358
24	282	$154,971	$5,182	$149,789	$2,742,569
24	283	$154,971	$4,914	$150,058	$2,592,511
24	284	$154,971	$4,645	$150,327	$2,442,184
24	285	$154,971	$4,376	$150,596	$2,291,588
24	286	$154,971	$4,106	$150,866	$2,140,723
24	287	$154,971	$3,835	$151,136	$1,989,587
24	288	$154,971	$3,565	$151,407	$1,838,180
25	289	$154,971	$3,293	$151,678	$1,686,502
25	290	$154,971	$3,022	$151,950	$1,534,552
25	291	$154,971	$2,749	$152,222	$1,382,330
25	292	$154,971	$2,477	$152,495	$1,229,835
25	293	$154,971	$2,203	$152,768	$1,077,067
25	294	$154,971	$1,930	$153,042	$924,026
25	295	$154,971	$1,656	$153,316	$770,710
25	296	$154,971	$1,381	$153,591	$617,119
25	297	$154,971	$1,106	$153,866	$463,253
25	298	$154,971	$830	$154,141	$309,112
25	299	$154,971	$554	$154,418	$154,694
25	300	$154,971	$277	$154,694	$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$ 23,960,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 24,559,000

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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.