Century 21 Centaland Property

Down Payment (HKD)

$17,552,000

Monthly Repayment (HKD)

$113,525

Loan Amount (HKD)

$26,328,000

Total Interest (HKD)

$7,729,498

Total Repayment (HKD)

$34,057,498

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$113,525	$47,171	$66,354	$26,261,646
1	2	$113,525	$47,052	$66,473	$26,195,173
1	3	$113,525	$46,933	$66,592	$26,128,581
1	4	$113,525	$46,814	$66,711	$26,061,870
1	5	$113,525	$46,694	$66,831	$25,995,039
1	6	$113,525	$46,574	$66,951	$25,928,089
1	7	$113,525	$46,454	$67,071	$25,861,018
1	8	$113,525	$46,334	$67,191	$25,793,827
1	9	$113,525	$46,214	$67,311	$25,726,516
1	10	$113,525	$46,093	$67,432	$25,659,085
1	11	$113,525	$45,973	$67,552	$25,591,532
1	12	$113,525	$45,851	$67,673	$25,523,859
2	13	$113,525	$45,730	$67,795	$25,456,064
2	14	$113,525	$45,609	$67,916	$25,388,148
2	15	$113,525	$45,487	$68,038	$25,320,110
2	16	$113,525	$45,365	$68,160	$25,251,950
2	17	$113,525	$45,243	$68,282	$25,183,668
2	18	$113,525	$45,121	$68,404	$25,115,264
2	19	$113,525	$44,998	$68,527	$25,046,737
2	20	$113,525	$44,875	$68,650	$24,978,087
2	21	$113,525	$44,752	$68,773	$24,909,315
2	22	$113,525	$44,629	$68,896	$24,840,419
2	23	$113,525	$44,506	$69,019	$24,771,400
2	24	$113,525	$44,382	$69,143	$24,702,257
3	25	$113,525	$44,258	$69,267	$24,632,990
3	26	$113,525	$44,134	$69,391	$24,563,599
3	27	$113,525	$44,010	$69,515	$24,494,084
3	28	$113,525	$43,885	$69,640	$24,424,444
3	29	$113,525	$43,760	$69,765	$24,354,680
3	30	$113,525	$43,635	$69,890	$24,284,790
3	31	$113,525	$43,510	$70,015	$24,214,775
3	32	$113,525	$43,385	$70,140	$24,144,635
3	33	$113,525	$43,259	$70,266	$24,074,369
3	34	$113,525	$43,133	$70,392	$24,003,978
3	35	$113,525	$43,007	$70,518	$23,933,460
3	36	$113,525	$42,881	$70,644	$23,862,816
4	37	$113,525	$42,754	$70,771	$23,792,045
4	38	$113,525	$42,627	$70,898	$23,721,147
4	39	$113,525	$42,500	$71,025	$23,650,123
4	40	$113,525	$42,373	$71,152	$23,578,971
4	41	$113,525	$42,246	$71,279	$23,507,691
4	42	$113,525	$42,118	$71,407	$23,436,284
4	43	$113,525	$41,990	$71,535	$23,364,749
4	44	$113,525	$41,862	$71,663	$23,293,086
4	45	$113,525	$41,733	$71,792	$23,221,295
4	46	$113,525	$41,605	$71,920	$23,149,374
4	47	$113,525	$41,476	$72,049	$23,077,325
4	48	$113,525	$41,347	$72,178	$23,005,147
5	49	$113,525	$41,218	$72,307	$22,932,840
5	50	$113,525	$41,088	$72,437	$22,860,403
5	51	$113,525	$40,958	$72,567	$22,787,836
5	52	$113,525	$40,828	$72,697	$22,715,139
5	53	$113,525	$40,698	$72,827	$22,642,312
5	54	$113,525	$40,567	$72,958	$22,569,355
5	55	$113,525	$40,437	$73,088	$22,496,267
5	56	$113,525	$40,306	$73,219	$22,423,047
5	57	$113,525	$40,175	$73,350	$22,349,697
5	58	$113,525	$40,043	$73,482	$22,276,215
5	59	$113,525	$39,912	$73,613	$22,202,602
5	60	$113,525	$39,780	$73,745	$22,128,856
6	61	$113,525	$39,648	$73,877	$22,054,979
6	62	$113,525	$39,515	$74,010	$21,980,969
6	63	$113,525	$39,383	$74,142	$21,906,827
6	64	$113,525	$39,250	$74,275	$21,832,551
6	65	$113,525	$39,117	$74,408	$21,758,143
6	66	$113,525	$38,983	$74,542	$21,683,601
6	67	$113,525	$38,850	$74,675	$21,608,926
6	68	$113,525	$38,716	$74,809	$21,534,117
6	69	$113,525	$38,582	$74,943	$21,459,174
6	70	$113,525	$38,448	$75,077	$21,384,097
6	71	$113,525	$38,313	$75,212	$21,308,885
6	72	$113,525	$38,178	$75,347	$21,233,539
7	73	$113,525	$38,043	$75,482	$21,158,057
7	74	$113,525	$37,908	$75,617	$21,082,440
7	75	$113,525	$37,773	$75,752	$21,006,688
7	76	$113,525	$37,637	$75,888	$20,930,800
7	77	$113,525	$37,501	$76,024	$20,854,776
7	78	$113,525	$37,365	$76,160	$20,778,616
7	79	$113,525	$37,228	$76,297	$20,702,319
7	80	$113,525	$37,092	$76,433	$20,625,886
7	81	$113,525	$36,955	$76,570	$20,549,315
7	82	$113,525	$36,818	$76,707	$20,472,608
7	83	$113,525	$36,680	$76,845	$20,395,763
7	84	$113,525	$36,542	$76,983	$20,318,780
8	85	$113,525	$36,404	$77,121	$20,241,660
8	86	$113,525	$36,266	$77,259	$20,164,401
8	87	$113,525	$36,128	$77,397	$20,087,004
8	88	$113,525	$35,989	$77,536	$20,009,468
8	89	$113,525	$35,850	$77,675	$19,931,794
8	90	$113,525	$35,711	$77,814	$19,853,980
8	91	$113,525	$35,572	$77,953	$19,776,026
8	92	$113,525	$35,432	$78,093	$19,697,934
8	93	$113,525	$35,292	$78,233	$19,619,701
8	94	$113,525	$35,152	$78,373	$19,541,328
8	95	$113,525	$35,012	$78,513	$19,462,814
8	96	$113,525	$34,871	$78,654	$19,384,160
9	97	$113,525	$34,730	$78,795	$19,305,365
9	98	$113,525	$34,589	$78,936	$19,226,429
9	99	$113,525	$34,447	$79,078	$19,147,351
9	100	$113,525	$34,306	$79,219	$19,068,132
9	101	$113,525	$34,164	$79,361	$18,988,771
9	102	$113,525	$34,022	$79,503	$18,909,267
9	103	$113,525	$33,879	$79,646	$18,829,621
9	104	$113,525	$33,736	$79,789	$18,749,833
9	105	$113,525	$33,593	$79,932	$18,669,901
9	106	$113,525	$33,450	$80,075	$18,589,826
9	107	$113,525	$33,307	$80,218	$18,509,608
9	108	$113,525	$33,163	$80,362	$18,429,246
10	109	$113,525	$33,019	$80,506	$18,348,740
10	110	$113,525	$32,875	$80,650	$18,268,090
10	111	$113,525	$32,730	$80,795	$18,187,295
10	112	$113,525	$32,586	$80,939	$18,106,356
10	113	$113,525	$32,441	$81,084	$18,025,272
10	114	$113,525	$32,295	$81,230	$17,944,042
10	115	$113,525	$32,150	$81,375	$17,862,667
10	116	$113,525	$32,004	$81,521	$17,781,146
10	117	$113,525	$31,858	$81,667	$17,699,478
10	118	$113,525	$31,712	$81,813	$17,617,665
10	119	$113,525	$31,565	$81,960	$17,535,705
10	120	$113,525	$31,418	$82,107	$17,453,598
11	121	$113,525	$31,271	$82,254	$17,371,344
11	122	$113,525	$31,124	$82,401	$17,288,943
11	123	$113,525	$30,976	$82,549	$17,206,394
11	124	$113,525	$30,828	$82,697	$17,123,697
11	125	$113,525	$30,680	$82,845	$17,040,852
11	126	$113,525	$30,532	$82,993	$16,957,858
11	127	$113,525	$30,383	$83,142	$16,874,716
11	128	$113,525	$30,234	$83,291	$16,791,425
11	129	$113,525	$30,085	$83,440	$16,707,985
11	130	$113,525	$29,935	$83,590	$16,624,395
11	131	$113,525	$29,785	$83,740	$16,540,655
11	132	$113,525	$29,635	$83,890	$16,456,766
12	133	$113,525	$29,485	$84,040	$16,372,726
12	134	$113,525	$29,334	$84,191	$16,288,535
12	135	$113,525	$29,184	$84,341	$16,204,194
12	136	$113,525	$29,033	$84,492	$16,119,701
12	137	$113,525	$28,881	$84,644	$16,035,058
12	138	$113,525	$28,729	$84,796	$15,950,262
12	139	$113,525	$28,578	$84,947	$15,865,315
12	140	$113,525	$28,425	$85,100	$15,780,215
12	141	$113,525	$28,273	$85,252	$15,694,963
12	142	$113,525	$28,120	$85,405	$15,609,558
12	143	$113,525	$27,967	$85,558	$15,524,000
12	144	$113,525	$27,814	$85,711	$15,438,289
13	145	$113,525	$27,660	$85,865	$15,352,424
13	146	$113,525	$27,506	$86,019	$15,266,406
13	147	$113,525	$27,352	$86,173	$15,180,233
13	148	$113,525	$27,198	$86,327	$15,093,906
13	149	$113,525	$27,043	$86,482	$15,007,424
13	150	$113,525	$26,888	$86,637	$14,920,787
13	151	$113,525	$26,733	$86,792	$14,833,996
13	152	$113,525	$26,578	$86,947	$14,747,048
13	153	$113,525	$26,422	$87,103	$14,659,945
13	154	$113,525	$26,266	$87,259	$14,572,686
13	155	$113,525	$26,109	$87,416	$14,485,270
13	156	$113,525	$25,953	$87,572	$14,397,698
14	157	$113,525	$25,796	$87,729	$14,309,969
14	158	$113,525	$25,639	$87,886	$14,222,082
14	159	$113,525	$25,481	$88,044	$14,134,039
14	160	$113,525	$25,323	$88,202	$14,045,837
14	161	$113,525	$25,165	$88,360	$13,957,478
14	162	$113,525	$25,007	$88,518	$13,868,960
14	163	$113,525	$24,849	$88,676	$13,780,283
14	164	$113,525	$24,690	$88,835	$13,691,448
14	165	$113,525	$24,531	$88,994	$13,602,453
14	166	$113,525	$24,371	$89,154	$13,513,300
14	167	$113,525	$24,211	$89,314	$13,423,986
14	168	$113,525	$24,051	$89,474	$13,334,512
15	169	$113,525	$23,891	$89,634	$13,244,878
15	170	$113,525	$23,730	$89,795	$13,155,084
15	171	$113,525	$23,570	$89,955	$13,065,128
15	172	$113,525	$23,408	$90,117	$12,975,012
15	173	$113,525	$23,247	$90,278	$12,884,733
15	174	$113,525	$23,085	$90,440	$12,794,294
15	175	$113,525	$22,923	$90,602	$12,703,692
15	176	$113,525	$22,761	$90,764	$12,612,927
15	177	$113,525	$22,598	$90,927	$12,522,001
15	178	$113,525	$22,435	$91,090	$12,430,911
15	179	$113,525	$22,272	$91,253	$12,339,658
15	180	$113,525	$22,109	$91,416	$12,248,241
16	181	$113,525	$21,945	$91,580	$12,156,661
16	182	$113,525	$21,781	$91,744	$12,064,917
16	183	$113,525	$21,616	$91,909	$11,973,008
16	184	$113,525	$21,452	$92,073	$11,880,935
16	185	$113,525	$21,287	$92,238	$11,788,697
16	186	$113,525	$21,121	$92,404	$11,696,293
16	187	$113,525	$20,956	$92,569	$11,603,724
16	188	$113,525	$20,790	$92,735	$11,510,989
16	189	$113,525	$20,624	$92,901	$11,418,088
16	190	$113,525	$20,457	$93,068	$11,325,020
16	191	$113,525	$20,291	$93,234	$11,231,786
16	192	$113,525	$20,124	$93,401	$11,138,384
17	193	$113,525	$19,956	$93,569	$11,044,816
17	194	$113,525	$19,789	$93,736	$10,951,079
17	195	$113,525	$19,621	$93,904	$10,857,175
17	196	$113,525	$19,452	$94,073	$10,763,102
17	197	$113,525	$19,284	$94,241	$10,668,861
17	198	$113,525	$19,115	$94,410	$10,574,451
17	199	$113,525	$18,946	$94,579	$10,479,872
17	200	$113,525	$18,776	$94,749	$10,385,124
17	201	$113,525	$18,607	$94,918	$10,290,205
17	202	$113,525	$18,437	$95,088	$10,195,117
17	203	$113,525	$18,266	$95,259	$10,099,858
17	204	$113,525	$18,096	$95,429	$10,004,429
18	205	$113,525	$17,925	$95,600	$9,908,829
18	206	$113,525	$17,753	$95,772	$9,813,057
18	207	$113,525	$17,582	$95,943	$9,717,114
18	208	$113,525	$17,410	$96,115	$9,620,998
18	209	$113,525	$17,238	$96,287	$9,524,711
18	210	$113,525	$17,065	$96,460	$9,428,251
18	211	$113,525	$16,892	$96,633	$9,331,618
18	212	$113,525	$16,719	$96,806	$9,234,813
18	213	$113,525	$16,546	$96,979	$9,137,833
18	214	$113,525	$16,372	$97,153	$9,040,680
18	215	$113,525	$16,198	$97,327	$8,943,353
18	216	$113,525	$16,024	$97,501	$8,845,852
19	217	$113,525	$15,849	$97,676	$8,748,175
19	218	$113,525	$15,674	$97,851	$8,650,324
19	219	$113,525	$15,498	$98,026	$8,552,298
19	220	$113,525	$15,323	$98,202	$8,454,096
19	221	$113,525	$15,147	$98,378	$8,355,718
19	222	$113,525	$14,971	$98,554	$8,257,163
19	223	$113,525	$14,794	$98,731	$8,158,432
19	224	$113,525	$14,617	$98,908	$8,059,525
19	225	$113,525	$14,440	$99,085	$7,960,440
19	226	$113,525	$14,262	$99,263	$7,861,177
19	227	$113,525	$14,085	$99,440	$7,761,737
19	228	$113,525	$13,906	$99,619	$7,662,118
20	229	$113,525	$13,728	$99,797	$7,562,321
20	230	$113,525	$13,549	$99,976	$7,462,345
20	231	$113,525	$13,370	$100,155	$7,362,190
20	232	$113,525	$13,191	$100,334	$7,261,856
20	233	$113,525	$13,011	$100,514	$7,161,342
20	234	$113,525	$12,831	$100,694	$7,060,647
20	235	$113,525	$12,650	$100,875	$6,959,773
20	236	$113,525	$12,470	$101,055	$6,858,717
20	237	$113,525	$12,289	$101,236	$6,757,481
20	238	$113,525	$12,107	$101,418	$6,656,063
20	239	$113,525	$11,925	$101,600	$6,554,464
20	240	$113,525	$11,743	$101,782	$6,452,682
21	241	$113,525	$11,561	$101,964	$6,350,718
21	242	$113,525	$11,378	$102,147	$6,248,571
21	243	$113,525	$11,195	$102,330	$6,146,242
21	244	$113,525	$11,012	$102,513	$6,043,729
21	245	$113,525	$10,828	$102,697	$5,941,032
21	246	$113,525	$10,644	$102,881	$5,838,151
21	247	$113,525	$10,460	$103,065	$5,735,086
21	248	$113,525	$10,275	$103,250	$5,631,837
21	249	$113,525	$10,090	$103,435	$5,528,402
21	250	$113,525	$9,905	$103,620	$5,424,782
21	251	$113,525	$9,719	$103,806	$5,320,977
21	252	$113,525	$9,533	$103,992	$5,216,985
22	253	$113,525	$9,347	$104,178	$5,112,807
22	254	$113,525	$9,160	$104,365	$5,008,443
22	255	$113,525	$8,973	$104,552	$4,903,891
22	256	$113,525	$8,786	$104,739	$4,799,152
22	257	$113,525	$8,598	$104,927	$4,694,226
22	258	$113,525	$8,410	$105,115	$4,589,111
22	259	$113,525	$8,222	$105,303	$4,483,808
22	260	$113,525	$8,033	$105,492	$4,378,317
22	261	$113,525	$7,844	$105,681	$4,272,636
22	262	$113,525	$7,655	$105,870	$4,166,767
22	263	$113,525	$7,465	$106,060	$4,060,707
22	264	$113,525	$7,275	$106,250	$3,954,457
23	265	$113,525	$7,085	$106,440	$3,848,018
23	266	$113,525	$6,894	$106,631	$3,741,387
23	267	$113,525	$6,703	$106,822	$3,634,565
23	268	$113,525	$6,512	$107,013	$3,527,552
23	269	$113,525	$6,320	$107,205	$3,420,347
23	270	$113,525	$6,128	$107,397	$3,312,950
23	271	$113,525	$5,936	$107,589	$3,205,361
23	272	$113,525	$5,743	$107,782	$3,097,579
23	273	$113,525	$5,550	$107,975	$2,989,604
23	274	$113,525	$5,356	$108,169	$2,881,435
23	275	$113,525	$5,163	$108,362	$2,773,073
23	276	$113,525	$4,968	$108,557	$2,664,516
24	277	$113,525	$4,774	$108,751	$2,555,765
24	278	$113,525	$4,579	$108,946	$2,446,819
24	279	$113,525	$4,384	$109,141	$2,337,678
24	280	$113,525	$4,188	$109,337	$2,228,342
24	281	$113,525	$3,992	$109,533	$2,118,809
24	282	$113,525	$3,796	$109,729	$2,009,080
24	283	$113,525	$3,600	$109,925	$1,899,155
24	284	$113,525	$3,403	$110,122	$1,789,033
24	285	$113,525	$3,205	$110,320	$1,678,713
24	286	$113,525	$3,008	$110,517	$1,568,196
24	287	$113,525	$2,810	$110,715	$1,457,480
24	288	$113,525	$2,611	$110,914	$1,346,567
25	289	$113,525	$2,413	$111,112	$1,235,454
25	290	$113,525	$2,214	$111,311	$1,124,143
25	291	$113,525	$2,014	$111,511	$1,012,632
25	292	$113,525	$1,814	$111,711	$900,921
25	293	$113,525	$1,614	$111,911	$789,010
25	294	$113,525	$1,414	$112,111	$676,899
25	295	$113,525	$1,213	$112,312	$564,587
25	296	$113,525	$1,012	$112,513	$452,073
25	297	$113,525	$810	$112,715	$339,358
25	298	$113,525	$608	$112,917	$226,441
25	299	$113,525	$406	$113,119	$113,322
25	300	$113,525	$203	$113,322	$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$ 17,552,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 17,990,800

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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.