Century 21 Centaland Property

Down Payment (HKD)

$35,200,000

Monthly Repayment (HKD)

$227,671

Loan Amount (HKD)

$52,800,000

Total Interest (HKD)

$15,501,273

Total Repayment (HKD)

$68,301,273

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$227,671	$94,600	$133,071	$52,666,929
1	2	$227,671	$94,362	$133,309	$52,533,620
1	3	$227,671	$94,123	$133,548	$52,400,072
1	4	$227,671	$93,883	$133,787	$52,266,284
1	5	$227,671	$93,644	$134,027	$52,132,257
1	6	$227,671	$93,404	$134,267	$51,997,990
1	7	$227,671	$93,163	$134,508	$51,863,482
1	8	$227,671	$92,922	$134,749	$51,728,733
1	9	$227,671	$92,681	$134,990	$51,593,743
1	10	$227,671	$92,439	$135,232	$51,458,511
1	11	$227,671	$92,196	$135,474	$51,323,036
1	12	$227,671	$91,954	$135,717	$51,187,319
2	13	$227,671	$91,711	$135,960	$51,051,359
2	14	$227,671	$91,467	$136,204	$50,915,155
2	15	$227,671	$91,223	$136,448	$50,778,707
2	16	$227,671	$90,979	$136,692	$50,642,015
2	17	$227,671	$90,734	$136,937	$50,505,077
2	18	$227,671	$90,488	$137,183	$50,367,895
2	19	$227,671	$90,242	$137,428	$50,230,466
2	20	$227,671	$89,996	$137,675	$50,092,792
2	21	$227,671	$89,750	$137,921	$49,954,870
2	22	$227,671	$89,502	$138,168	$49,816,702
2	23	$227,671	$89,255	$138,416	$49,678,286
2	24	$227,671	$89,007	$138,664	$49,539,622
3	25	$227,671	$88,758	$138,912	$49,400,709
3	26	$227,671	$88,510	$139,161	$49,261,548
3	27	$227,671	$88,260	$139,411	$49,122,137
3	28	$227,671	$88,010	$139,660	$48,982,477
3	29	$227,671	$87,760	$139,911	$48,842,566
3	30	$227,671	$87,510	$140,161	$48,702,405
3	31	$227,671	$87,258	$140,412	$48,561,993
3	32	$227,671	$87,007	$140,664	$48,421,329
3	33	$227,671	$86,755	$140,916	$48,280,413
3	34	$227,671	$86,502	$141,169	$48,139,244
3	35	$227,671	$86,249	$141,421	$47,997,823
3	36	$227,671	$85,996	$141,675	$47,856,148
4	37	$227,671	$85,742	$141,929	$47,714,219
4	38	$227,671	$85,488	$142,183	$47,572,036
4	39	$227,671	$85,233	$142,438	$47,429,599
4	40	$227,671	$84,978	$142,693	$47,286,906
4	41	$227,671	$84,722	$142,949	$47,143,957
4	42	$227,671	$84,466	$143,205	$47,000,753
4	43	$227,671	$84,210	$143,461	$46,857,291
4	44	$227,671	$83,953	$143,718	$46,713,573
4	45	$227,671	$83,695	$143,976	$46,569,597
4	46	$227,671	$83,437	$144,234	$46,425,364
4	47	$227,671	$83,179	$144,492	$46,280,871
4	48	$227,671	$82,920	$144,751	$46,136,120
5	49	$227,671	$82,661	$145,010	$45,991,110
5	50	$227,671	$82,401	$145,270	$45,845,840
5	51	$227,671	$82,140	$145,530	$45,700,309
5	52	$227,671	$81,880	$145,791	$45,554,518
5	53	$227,671	$81,619	$146,052	$45,408,466
5	54	$227,671	$81,357	$146,314	$45,262,152
5	55	$227,671	$81,095	$146,576	$45,115,576
5	56	$227,671	$80,832	$146,839	$44,968,737
5	57	$227,671	$80,569	$147,102	$44,821,635
5	58	$227,671	$80,305	$147,365	$44,674,269
5	59	$227,671	$80,041	$147,630	$44,526,640
5	60	$227,671	$79,777	$147,894	$44,378,746
6	61	$227,671	$79,512	$148,159	$44,230,587
6	62	$227,671	$79,246	$148,424	$44,082,162
6	63	$227,671	$78,981	$148,690	$43,933,472
6	64	$227,671	$78,714	$148,957	$43,784,515
6	65	$227,671	$78,447	$149,224	$43,635,292
6	66	$227,671	$78,180	$149,491	$43,485,801
6	67	$227,671	$77,912	$149,759	$43,336,042
6	68	$227,671	$77,644	$150,027	$43,186,015
6	69	$227,671	$77,375	$150,296	$43,035,719
6	70	$227,671	$77,106	$150,565	$42,885,153
6	71	$227,671	$76,836	$150,835	$42,734,318
6	72	$227,671	$76,566	$151,105	$42,583,213
7	73	$227,671	$76,295	$151,376	$42,431,837
7	74	$227,671	$76,024	$151,647	$42,280,190
7	75	$227,671	$75,752	$151,919	$42,128,271
7	76	$227,671	$75,480	$152,191	$41,976,080
7	77	$227,671	$75,207	$152,464	$41,823,616
7	78	$227,671	$74,934	$152,737	$41,670,879
7	79	$227,671	$74,660	$153,011	$41,517,869
7	80	$227,671	$74,386	$153,285	$41,364,584
7	81	$227,671	$74,112	$153,559	$41,211,024
7	82	$227,671	$73,836	$153,834	$41,057,190
7	83	$227,671	$73,561	$154,110	$40,903,080
7	84	$227,671	$73,285	$154,386	$40,748,694
8	85	$227,671	$73,008	$154,663	$40,594,031
8	86	$227,671	$72,731	$154,940	$40,439,091
8	87	$227,671	$72,453	$155,218	$40,283,873
8	88	$227,671	$72,175	$155,496	$40,128,378
8	89	$227,671	$71,897	$155,774	$39,972,603
8	90	$227,671	$71,618	$156,053	$39,816,550
8	91	$227,671	$71,338	$156,333	$39,660,217
8	92	$227,671	$71,058	$156,613	$39,503,604
8	93	$227,671	$70,777	$156,894	$39,346,711
8	94	$227,671	$70,496	$157,175	$39,189,536
8	95	$227,671	$70,215	$157,456	$39,032,080
8	96	$227,671	$69,932	$157,738	$38,874,341
9	97	$227,671	$69,650	$158,021	$38,716,320
9	98	$227,671	$69,367	$158,304	$38,558,016
9	99	$227,671	$69,083	$158,588	$38,399,428
9	100	$227,671	$68,799	$158,872	$38,240,556
9	101	$227,671	$68,514	$159,157	$38,081,400
9	102	$227,671	$68,229	$159,442	$37,921,958
9	103	$227,671	$67,944	$159,727	$37,762,230
9	104	$227,671	$67,657	$160,014	$37,602,217
9	105	$227,671	$67,371	$160,300	$37,441,917
9	106	$227,671	$67,083	$160,587	$37,281,329
9	107	$227,671	$66,796	$160,875	$37,120,454
9	108	$227,671	$66,507	$161,163	$36,959,290
10	109	$227,671	$66,219	$161,452	$36,797,838
10	110	$227,671	$65,929	$161,741	$36,636,097
10	111	$227,671	$65,640	$162,031	$36,474,066
10	112	$227,671	$65,349	$162,322	$36,311,744
10	113	$227,671	$65,059	$162,612	$36,149,132
10	114	$227,671	$64,767	$162,904	$35,986,228
10	115	$227,671	$64,475	$163,196	$35,823,032
10	116	$227,671	$64,183	$163,488	$35,659,544
10	117	$227,671	$63,890	$163,781	$35,495,764
10	118	$227,671	$63,597	$164,074	$35,331,689
10	119	$227,671	$63,303	$164,368	$35,167,321
10	120	$227,671	$63,008	$164,663	$35,002,658
11	121	$227,671	$62,713	$164,958	$34,837,700
11	122	$227,671	$62,418	$165,253	$34,672,447
11	123	$227,671	$62,121	$165,549	$34,506,897
11	124	$227,671	$61,825	$165,846	$34,341,051
11	125	$227,671	$61,528	$166,143	$34,174,908
11	126	$227,671	$61,230	$166,441	$34,008,467
11	127	$227,671	$60,932	$166,739	$33,841,728
11	128	$227,671	$60,633	$167,038	$33,674,690
11	129	$227,671	$60,334	$167,337	$33,507,353
11	130	$227,671	$60,034	$167,637	$33,339,716
11	131	$227,671	$59,734	$167,937	$33,171,779
11	132	$227,671	$59,433	$168,238	$33,003,541
12	133	$227,671	$59,131	$168,540	$32,835,002
12	134	$227,671	$58,829	$168,842	$32,666,160
12	135	$227,671	$58,527	$169,144	$32,497,016
12	136	$227,671	$58,224	$169,447	$32,327,569
12	137	$227,671	$57,920	$169,751	$32,157,818
12	138	$227,671	$57,616	$170,055	$31,987,763
12	139	$227,671	$57,311	$170,360	$31,817,404
12	140	$227,671	$57,006	$170,665	$31,646,739
12	141	$227,671	$56,700	$170,971	$31,475,769
12	142	$227,671	$56,394	$171,277	$31,304,492
12	143	$227,671	$56,087	$171,584	$31,132,908
12	144	$227,671	$55,780	$171,891	$30,961,017
13	145	$227,671	$55,472	$172,199	$30,788,818
13	146	$227,671	$55,163	$172,508	$30,616,310
13	147	$227,671	$54,854	$172,817	$30,443,494
13	148	$227,671	$54,545	$173,126	$30,270,367
13	149	$227,671	$54,234	$173,437	$30,096,931
13	150	$227,671	$53,924	$173,747	$29,923,184
13	151	$227,671	$53,612	$174,059	$29,749,125
13	152	$227,671	$53,301	$174,370	$29,574,755
13	153	$227,671	$52,988	$174,683	$29,400,072
13	154	$227,671	$52,675	$174,996	$29,225,076
13	155	$227,671	$52,362	$175,309	$29,049,767
13	156	$227,671	$52,047	$175,623	$28,874,143
14	157	$227,671	$51,733	$175,938	$28,698,205
14	158	$227,671	$51,418	$176,253	$28,521,952
14	159	$227,671	$51,102	$176,569	$28,345,383
14	160	$227,671	$50,785	$176,885	$28,168,497
14	161	$227,671	$50,469	$177,202	$27,991,295
14	162	$227,671	$50,151	$177,520	$27,813,775
14	163	$227,671	$49,833	$177,838	$27,635,937
14	164	$227,671	$49,514	$178,157	$27,457,781
14	165	$227,671	$49,195	$178,476	$27,279,305
14	166	$227,671	$48,875	$178,795	$27,100,510
14	167	$227,671	$48,555	$179,116	$26,921,394
14	168	$227,671	$48,234	$179,437	$26,741,957
15	169	$227,671	$47,913	$179,758	$26,562,199
15	170	$227,671	$47,591	$180,080	$26,382,118
15	171	$227,671	$47,268	$180,403	$26,201,716
15	172	$227,671	$46,945	$180,726	$26,020,989
15	173	$227,671	$46,621	$181,050	$25,839,939
15	174	$227,671	$46,297	$181,374	$25,658,565
15	175	$227,671	$45,972	$181,699	$25,476,866
15	176	$227,671	$45,646	$182,025	$25,294,841
15	177	$227,671	$45,320	$182,351	$25,112,490
15	178	$227,671	$44,993	$182,678	$24,929,812
15	179	$227,671	$44,666	$183,005	$24,746,807
15	180	$227,671	$44,338	$183,333	$24,563,474
16	181	$227,671	$44,010	$183,661	$24,379,813
16	182	$227,671	$43,680	$183,990	$24,195,823
16	183	$227,671	$43,351	$184,320	$24,011,502
16	184	$227,671	$43,021	$184,650	$23,826,852
16	185	$227,671	$42,690	$184,981	$23,641,871
16	186	$227,671	$42,358	$185,313	$23,456,558
16	187	$227,671	$42,026	$185,645	$23,270,914
16	188	$227,671	$41,694	$185,977	$23,084,937
16	189	$227,671	$41,361	$186,310	$22,898,626
16	190	$227,671	$41,027	$186,644	$22,711,982
16	191	$227,671	$40,692	$186,979	$22,525,003
16	192	$227,671	$40,357	$187,314	$22,337,690
17	193	$227,671	$40,022	$187,649	$22,150,041
17	194	$227,671	$39,685	$187,985	$21,962,055
17	195	$227,671	$39,349	$188,322	$21,773,733
17	196	$227,671	$39,011	$188,660	$21,585,073
17	197	$227,671	$38,673	$188,998	$21,396,076
17	198	$227,671	$38,335	$189,336	$21,206,739
17	199	$227,671	$37,995	$189,676	$21,017,064
17	200	$227,671	$37,656	$190,015	$20,827,049
17	201	$227,671	$37,315	$190,356	$20,636,693
17	202	$227,671	$36,974	$190,697	$20,445,996
17	203	$227,671	$36,632	$191,039	$20,254,957
17	204	$227,671	$36,290	$191,381	$20,063,577
18	205	$227,671	$35,947	$191,724	$19,871,853
18	206	$227,671	$35,604	$192,067	$19,679,786
18	207	$227,671	$35,260	$192,411	$19,487,375
18	208	$227,671	$34,915	$192,756	$19,294,619
18	209	$227,671	$34,570	$193,101	$19,101,517
18	210	$227,671	$34,224	$193,447	$18,908,070
18	211	$227,671	$33,877	$193,794	$18,714,276
18	212	$227,671	$33,530	$194,141	$18,520,135
18	213	$227,671	$33,182	$194,489	$18,325,646
18	214	$227,671	$32,833	$194,837	$18,130,808
18	215	$227,671	$32,484	$195,187	$17,935,622
18	216	$227,671	$32,135	$195,536	$17,740,085
19	217	$227,671	$31,784	$195,887	$17,544,199
19	218	$227,671	$31,433	$196,238	$17,347,961
19	219	$227,671	$31,082	$196,589	$17,151,372
19	220	$227,671	$30,730	$196,941	$16,954,431
19	221	$227,671	$30,377	$197,294	$16,757,137
19	222	$227,671	$30,023	$197,648	$16,559,489
19	223	$227,671	$29,669	$198,002	$16,361,487
19	224	$227,671	$29,314	$198,357	$16,163,130
19	225	$227,671	$28,959	$198,712	$15,964,418
19	226	$227,671	$28,603	$199,068	$15,765,350
19	227	$227,671	$28,246	$199,425	$15,565,926
19	228	$227,671	$27,889	$199,782	$15,366,144
20	229	$227,671	$27,531	$200,140	$15,166,004
20	230	$227,671	$27,172	$200,498	$14,965,505
20	231	$227,671	$26,813	$200,858	$14,764,648
20	232	$227,671	$26,453	$201,218	$14,563,430
20	233	$227,671	$26,093	$201,578	$14,361,852
20	234	$227,671	$25,732	$201,939	$14,159,913
20	235	$227,671	$25,370	$202,301	$13,957,612
20	236	$227,671	$25,007	$202,664	$13,754,948
20	237	$227,671	$24,644	$203,027	$13,551,922
20	238	$227,671	$24,281	$203,390	$13,348,531
20	239	$227,671	$23,916	$203,755	$13,144,776
20	240	$227,671	$23,551	$204,120	$12,940,657
21	241	$227,671	$23,185	$204,486	$12,736,171
21	242	$227,671	$22,819	$204,852	$12,531,319
21	243	$227,671	$22,452	$205,219	$12,326,100
21	244	$227,671	$22,084	$205,587	$12,120,513
21	245	$227,671	$21,716	$205,955	$11,914,558
21	246	$227,671	$21,347	$206,324	$11,708,234
21	247	$227,671	$20,977	$206,694	$11,501,541
21	248	$227,671	$20,607	$207,064	$11,294,477
21	249	$227,671	$20,236	$207,435	$11,087,042
21	250	$227,671	$19,864	$207,807	$10,879,235
21	251	$227,671	$19,492	$208,179	$10,671,056
21	252	$227,671	$19,119	$208,552	$10,462,504
22	253	$227,671	$18,745	$208,926	$10,253,579
22	254	$227,671	$18,371	$209,300	$10,044,279
22	255	$227,671	$17,996	$209,675	$9,834,604
22	256	$227,671	$17,620	$210,051	$9,624,553
22	257	$227,671	$17,244	$210,427	$9,414,126
22	258	$227,671	$16,867	$210,804	$9,203,322
22	259	$227,671	$16,489	$211,182	$8,992,141
22	260	$227,671	$16,111	$211,560	$8,780,581
22	261	$227,671	$15,732	$211,939	$8,568,642
22	262	$227,671	$15,352	$212,319	$8,356,323
22	263	$227,671	$14,972	$212,699	$8,143,624
22	264	$227,671	$14,591	$213,080	$7,930,544
23	265	$227,671	$14,209	$213,462	$7,717,082
23	266	$227,671	$13,826	$213,844	$7,503,237
23	267	$227,671	$13,443	$214,228	$7,289,010
23	268	$227,671	$13,059	$214,611	$7,074,398
23	269	$227,671	$12,675	$214,996	$6,859,402
23	270	$227,671	$12,290	$215,381	$6,644,021
23	271	$227,671	$11,904	$215,767	$6,428,254
23	272	$227,671	$11,517	$216,154	$6,212,100
23	273	$227,671	$11,130	$216,541	$5,995,559
23	274	$227,671	$10,742	$216,929	$5,778,631
23	275	$227,671	$10,353	$217,318	$5,561,313
23	276	$227,671	$9,964	$217,707	$5,343,606
24	277	$227,671	$9,574	$218,097	$5,125,509
24	278	$227,671	$9,183	$218,488	$4,907,022
24	279	$227,671	$8,792	$218,879	$4,688,142
24	280	$227,671	$8,400	$219,271	$4,468,871
24	281	$227,671	$8,007	$219,664	$4,249,207
24	282	$227,671	$7,613	$220,058	$4,029,149
24	283	$227,671	$7,219	$220,452	$3,808,697
24	284	$227,671	$6,824	$220,847	$3,587,850
24	285	$227,671	$6,428	$221,243	$3,366,607
24	286	$227,671	$6,032	$221,639	$3,144,968
24	287	$227,671	$5,635	$222,036	$2,922,932
24	288	$227,671	$5,237	$222,434	$2,700,498
25	289	$227,671	$4,838	$222,833	$2,477,666
25	290	$227,671	$4,439	$223,232	$2,254,434
25	291	$227,671	$4,039	$223,632	$2,030,802
25	292	$227,671	$3,639	$224,032	$1,806,770
25	293	$227,671	$3,237	$224,434	$1,582,336
25	294	$227,671	$2,835	$224,836	$1,357,500
25	295	$227,671	$2,432	$225,239	$1,132,261
25	296	$227,671	$2,029	$225,642	$906,619
25	297	$227,671	$1,624	$226,047	$680,573
25	298	$227,671	$1,219	$226,452	$454,121
25	299	$227,671	$814	$226,857	$227,264
25	300	$227,671	$407	$227,264	$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$ 35,200,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 36,080,000

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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.