Century 21 Centaland Property

Down Payment (HKD)

$20,720,000

Monthly Repayment (HKD)

$134,015

Loan Amount (HKD)

$31,080,000

Total Interest (HKD)

$9,124,613

Total Repayment (HKD)

$40,204,613

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$134,015	$55,685	$78,330	$31,001,670
1	2	$134,015	$55,545	$78,471	$30,923,199
1	3	$134,015	$55,404	$78,611	$30,844,588
1	4	$134,015	$55,263	$78,752	$30,765,835
1	5	$134,015	$55,122	$78,893	$30,686,942
1	6	$134,015	$54,981	$79,035	$30,607,908
1	7	$134,015	$54,839	$79,176	$30,528,731
1	8	$134,015	$54,697	$79,318	$30,449,413
1	9	$134,015	$54,555	$79,460	$30,369,953
1	10	$134,015	$54,413	$79,603	$30,290,351
1	11	$134,015	$54,270	$79,745	$30,210,605
1	12	$134,015	$54,127	$79,888	$30,130,717
2	13	$134,015	$53,984	$80,031	$30,050,686
2	14	$134,015	$53,841	$80,175	$29,970,512
2	15	$134,015	$53,697	$80,318	$29,890,193
2	16	$134,015	$53,553	$80,462	$29,809,731
2	17	$134,015	$53,409	$80,606	$29,729,125
2	18	$134,015	$53,265	$80,751	$29,648,374
2	19	$134,015	$53,120	$80,895	$29,567,479
2	20	$134,015	$52,975	$81,040	$29,486,439
2	21	$134,015	$52,830	$81,186	$29,405,253
2	22	$134,015	$52,684	$81,331	$29,323,922
2	23	$134,015	$52,539	$81,477	$29,242,445
2	24	$134,015	$52,393	$81,623	$29,160,823
3	25	$134,015	$52,246	$81,769	$29,079,054
3	26	$134,015	$52,100	$81,915	$28,997,139
3	27	$134,015	$51,953	$82,062	$28,915,076
3	28	$134,015	$51,806	$82,209	$28,832,867
3	29	$134,015	$51,659	$82,356	$28,750,511
3	30	$134,015	$51,511	$82,504	$28,668,007
3	31	$134,015	$51,364	$82,652	$28,585,355
3	32	$134,015	$51,215	$82,800	$28,502,555
3	33	$134,015	$51,067	$82,948	$28,419,607
3	34	$134,015	$50,918	$83,097	$28,336,510
3	35	$134,015	$50,770	$83,246	$28,253,264
3	36	$134,015	$50,620	$83,395	$28,169,869
4	37	$134,015	$50,471	$83,544	$28,086,324
4	38	$134,015	$50,321	$83,694	$28,002,630
4	39	$134,015	$50,171	$83,844	$27,918,786
4	40	$134,015	$50,021	$83,994	$27,834,792
4	41	$134,015	$49,871	$84,145	$27,750,648
4	42	$134,015	$49,720	$84,295	$27,666,352
4	43	$134,015	$49,569	$84,446	$27,581,906
4	44	$134,015	$49,418	$84,598	$27,497,308
4	45	$134,015	$49,266	$84,749	$27,412,558
4	46	$134,015	$49,114	$84,901	$27,327,657
4	47	$134,015	$48,962	$85,053	$27,242,604
4	48	$134,015	$48,810	$85,206	$27,157,398
5	49	$134,015	$48,657	$85,358	$27,072,040
5	50	$134,015	$48,504	$85,511	$26,986,528
5	51	$134,015	$48,351	$85,665	$26,900,864
5	52	$134,015	$48,197	$85,818	$26,815,046
5	53	$134,015	$48,044	$85,972	$26,729,074
5	54	$134,015	$47,890	$86,126	$26,642,948
5	55	$134,015	$47,735	$86,280	$26,556,668
5	56	$134,015	$47,581	$86,435	$26,470,234
5	57	$134,015	$47,426	$86,590	$26,383,644
5	58	$134,015	$47,271	$86,745	$26,296,899
5	59	$134,015	$47,115	$86,900	$26,209,999
5	60	$134,015	$46,960	$87,056	$26,122,944
6	61	$134,015	$46,804	$87,212	$26,035,732
6	62	$134,015	$46,647	$87,368	$25,948,364
6	63	$134,015	$46,491	$87,525	$25,860,839
6	64	$134,015	$46,334	$87,681	$25,773,158
6	65	$134,015	$46,177	$87,838	$25,685,319
6	66	$134,015	$46,020	$87,996	$25,597,324
6	67	$134,015	$45,862	$88,154	$25,509,170
6	68	$134,015	$45,704	$88,311	$25,420,859
6	69	$134,015	$45,546	$88,470	$25,332,389
6	70	$134,015	$45,387	$88,628	$25,243,761
6	71	$134,015	$45,228	$88,787	$25,154,974
6	72	$134,015	$45,069	$88,946	$25,066,028
7	73	$134,015	$44,910	$89,105	$24,976,922
7	74	$134,015	$44,750	$89,265	$24,887,657
7	75	$134,015	$44,590	$89,425	$24,798,232
7	76	$134,015	$44,430	$89,585	$24,708,647
7	77	$134,015	$44,270	$89,746	$24,618,901
7	78	$134,015	$44,109	$89,907	$24,528,995
7	79	$134,015	$43,948	$90,068	$24,438,927
7	80	$134,015	$43,786	$90,229	$24,348,698
7	81	$134,015	$43,625	$90,391	$24,258,308
7	82	$134,015	$43,463	$90,553	$24,167,755
7	83	$134,015	$43,301	$90,715	$24,077,040
7	84	$134,015	$43,138	$90,877	$23,986,163
8	85	$134,015	$42,975	$91,040	$23,895,123
8	86	$134,015	$42,812	$91,203	$23,803,919
8	87	$134,015	$42,649	$91,367	$23,712,553
8	88	$134,015	$42,485	$91,530	$23,621,022
8	89	$134,015	$42,321	$91,694	$23,529,328
8	90	$134,015	$42,157	$91,859	$23,437,469
8	91	$134,015	$41,992	$92,023	$23,345,446
8	92	$134,015	$41,827	$92,188	$23,253,258
8	93	$134,015	$41,662	$92,353	$23,160,905
8	94	$134,015	$41,497	$92,519	$23,068,386
8	95	$134,015	$41,331	$92,685	$22,975,701
8	96	$134,015	$41,165	$92,851	$22,882,851
9	97	$134,015	$40,998	$93,017	$22,789,834
9	98	$134,015	$40,832	$93,184	$22,696,650
9	99	$134,015	$40,665	$93,351	$22,603,300
9	100	$134,015	$40,498	$93,518	$22,509,782
9	101	$134,015	$40,330	$93,685	$22,416,097
9	102	$134,015	$40,162	$93,853	$22,322,243
9	103	$134,015	$39,994	$94,021	$22,228,222
9	104	$134,015	$39,826	$94,190	$22,134,032
9	105	$134,015	$39,657	$94,359	$22,039,674
9	106	$134,015	$39,488	$94,528	$21,945,146
9	107	$134,015	$39,318	$94,697	$21,850,449
9	108	$134,015	$39,149	$94,867	$21,755,582
10	109	$134,015	$38,979	$95,037	$21,660,546
10	110	$134,015	$38,808	$95,207	$21,565,339
10	111	$134,015	$38,638	$95,377	$21,469,961
10	112	$134,015	$38,467	$95,548	$21,374,413
10	113	$134,015	$38,296	$95,720	$21,278,693
10	114	$134,015	$38,124	$95,891	$21,182,802
10	115	$134,015	$37,953	$96,063	$21,086,740
10	116	$134,015	$37,780	$96,235	$20,990,505
10	117	$134,015	$37,608	$96,407	$20,894,097
10	118	$134,015	$37,435	$96,580	$20,797,517
10	119	$134,015	$37,262	$96,753	$20,700,764
10	120	$134,015	$37,089	$96,927	$20,603,837
11	121	$134,015	$36,915	$97,100	$20,506,737
11	122	$134,015	$36,741	$97,274	$20,409,463
11	123	$134,015	$36,567	$97,448	$20,312,015
11	124	$134,015	$36,392	$97,623	$20,214,392
11	125	$134,015	$36,217	$97,798	$20,116,594
11	126	$134,015	$36,042	$97,973	$20,018,621
11	127	$134,015	$35,867	$98,149	$19,920,472
11	128	$134,015	$35,691	$98,325	$19,822,147
11	129	$134,015	$35,515	$98,501	$19,723,647
11	130	$134,015	$35,338	$98,677	$19,624,969
11	131	$134,015	$35,161	$98,854	$19,526,115
11	132	$134,015	$34,984	$99,031	$19,427,084
12	133	$134,015	$34,807	$99,209	$19,327,876
12	134	$134,015	$34,629	$99,386	$19,228,490
12	135	$134,015	$34,451	$99,564	$19,128,925
12	136	$134,015	$34,273	$99,743	$19,029,183
12	137	$134,015	$34,094	$99,921	$18,929,261
12	138	$134,015	$33,915	$100,100	$18,829,161
12	139	$134,015	$33,736	$100,280	$18,728,881
12	140	$134,015	$33,556	$100,459	$18,628,421
12	141	$134,015	$33,376	$100,639	$18,527,782
12	142	$134,015	$33,196	$100,820	$18,426,962
12	143	$134,015	$33,015	$101,000	$18,325,962
12	144	$134,015	$32,834	$101,181	$18,224,780
13	145	$134,015	$32,653	$101,363	$18,123,418
13	146	$134,015	$32,471	$101,544	$18,021,874
13	147	$134,015	$32,289	$101,726	$17,920,147
13	148	$134,015	$32,107	$101,908	$17,818,239
13	149	$134,015	$31,924	$102,091	$17,716,148
13	150	$134,015	$31,741	$102,274	$17,613,874
13	151	$134,015	$31,558	$102,457	$17,511,417
13	152	$134,015	$31,375	$102,641	$17,408,776
13	153	$134,015	$31,191	$102,825	$17,305,951
13	154	$134,015	$31,006	$103,009	$17,202,942
13	155	$134,015	$30,822	$103,193	$17,099,749
13	156	$134,015	$30,637	$103,378	$16,996,371
14	157	$134,015	$30,452	$103,564	$16,892,807
14	158	$134,015	$30,266	$103,749	$16,789,058
14	159	$134,015	$30,080	$103,935	$16,685,123
14	160	$134,015	$29,894	$104,121	$16,581,002
14	161	$134,015	$29,708	$104,308	$16,476,694
14	162	$134,015	$29,521	$104,495	$16,372,199
14	163	$134,015	$29,334	$104,682	$16,267,518
14	164	$134,015	$29,146	$104,869	$16,162,648
14	165	$134,015	$28,958	$105,057	$16,057,591
14	166	$134,015	$28,770	$105,246	$15,952,345
14	167	$134,015	$28,581	$105,434	$15,846,911
14	168	$134,015	$28,392	$105,623	$15,741,288
15	169	$134,015	$28,203	$105,812	$15,635,476
15	170	$134,015	$28,014	$106,002	$15,529,474
15	171	$134,015	$27,824	$106,192	$15,423,283
15	172	$134,015	$27,633	$106,382	$15,316,901
15	173	$134,015	$27,443	$106,573	$15,210,328
15	174	$134,015	$27,252	$106,764	$15,103,564
15	175	$134,015	$27,061	$106,955	$14,996,610
15	176	$134,015	$26,869	$107,146	$14,889,463
15	177	$134,015	$26,677	$107,338	$14,782,125
15	178	$134,015	$26,485	$107,531	$14,674,594
15	179	$134,015	$26,292	$107,723	$14,566,871
15	180	$134,015	$26,099	$107,916	$14,458,954
16	181	$134,015	$25,906	$108,110	$14,350,844
16	182	$134,015	$25,712	$108,303	$14,242,541
16	183	$134,015	$25,518	$108,497	$14,134,043
16	184	$134,015	$25,323	$108,692	$14,025,352
16	185	$134,015	$25,129	$108,887	$13,916,465
16	186	$134,015	$24,934	$109,082	$13,807,383
16	187	$134,015	$24,738	$109,277	$13,698,106
16	188	$134,015	$24,542	$109,473	$13,588,633
16	189	$134,015	$24,346	$109,669	$13,478,964
16	190	$134,015	$24,150	$109,866	$13,369,099
16	191	$134,015	$23,953	$110,062	$13,259,036
16	192	$134,015	$23,756	$110,260	$13,148,777
17	193	$134,015	$23,558	$110,457	$13,038,319
17	194	$134,015	$23,360	$110,655	$12,927,664
17	195	$134,015	$23,162	$110,853	$12,816,811
17	196	$134,015	$22,963	$111,052	$12,705,759
17	197	$134,015	$22,764	$111,251	$12,594,508
17	198	$134,015	$22,565	$111,450	$12,483,058
17	199	$134,015	$22,365	$111,650	$12,371,408
17	200	$134,015	$22,165	$111,850	$12,259,558
17	201	$134,015	$21,965	$112,050	$12,147,508
17	202	$134,015	$21,764	$112,251	$12,035,257
17	203	$134,015	$21,563	$112,452	$11,922,805
17	204	$134,015	$21,362	$112,654	$11,810,151
18	205	$134,015	$21,160	$112,856	$11,697,295
18	206	$134,015	$20,958	$113,058	$11,584,238
18	207	$134,015	$20,755	$113,260	$11,470,977
18	208	$134,015	$20,552	$113,463	$11,357,514
18	209	$134,015	$20,349	$113,666	$11,243,848
18	210	$134,015	$20,145	$113,870	$11,129,977
18	211	$134,015	$19,941	$114,074	$11,015,903
18	212	$134,015	$19,737	$114,279	$10,901,625
18	213	$134,015	$19,532	$114,483	$10,787,141
18	214	$134,015	$19,327	$114,688	$10,672,453
18	215	$134,015	$19,121	$114,894	$10,557,559
18	216	$134,015	$18,916	$115,100	$10,442,459
19	217	$134,015	$18,709	$115,306	$10,327,153
19	218	$134,015	$18,503	$115,513	$10,211,641
19	219	$134,015	$18,296	$115,720	$10,095,921
19	220	$134,015	$18,089	$115,927	$9,979,994
19	221	$134,015	$17,881	$116,135	$9,863,860
19	222	$134,015	$17,673	$116,343	$9,747,517
19	223	$134,015	$17,464	$116,551	$9,630,966
19	224	$134,015	$17,255	$116,760	$9,514,206
19	225	$134,015	$17,046	$116,969	$9,397,237
19	226	$134,015	$16,837	$117,179	$9,280,059
19	227	$134,015	$16,627	$117,389	$9,162,670
19	228	$134,015	$16,416	$117,599	$9,045,071
20	229	$134,015	$16,206	$117,810	$8,927,261
20	230	$134,015	$15,995	$118,021	$8,809,241
20	231	$134,015	$15,783	$118,232	$8,691,009
20	232	$134,015	$15,571	$118,444	$8,572,565
20	233	$134,015	$15,359	$118,656	$8,453,908
20	234	$134,015	$15,147	$118,869	$8,335,040
20	235	$134,015	$14,934	$119,082	$8,215,958
20	236	$134,015	$14,720	$119,295	$8,096,663
20	237	$134,015	$14,507	$119,509	$7,977,154
20	238	$134,015	$14,292	$119,723	$7,857,431
20	239	$134,015	$14,078	$119,937	$7,737,493
20	240	$134,015	$13,863	$120,152	$7,617,341
21	241	$134,015	$13,648	$120,368	$7,496,973
21	242	$134,015	$13,432	$120,583	$7,376,390
21	243	$134,015	$13,216	$120,799	$7,255,591
21	244	$134,015	$13,000	$121,016	$7,134,575
21	245	$134,015	$12,783	$121,233	$7,013,342
21	246	$134,015	$12,566	$121,450	$6,891,893
21	247	$134,015	$12,348	$121,667	$6,770,225
21	248	$134,015	$12,130	$121,885	$6,648,340
21	249	$134,015	$11,912	$122,104	$6,526,236
21	250	$134,015	$11,693	$122,323	$6,403,913
21	251	$134,015	$11,474	$122,542	$6,281,372
21	252	$134,015	$11,254	$122,761	$6,158,610
22	253	$134,015	$11,034	$122,981	$6,035,629
22	254	$134,015	$10,814	$123,202	$5,912,428
22	255	$134,015	$10,593	$123,422	$5,789,005
22	256	$134,015	$10,372	$123,643	$5,665,362
22	257	$134,015	$10,150	$123,865	$5,541,497
22	258	$134,015	$9,929	$124,087	$5,417,410
22	259	$134,015	$9,706	$124,309	$5,293,101
22	260	$134,015	$9,483	$124,532	$5,168,569
22	261	$134,015	$9,260	$124,755	$5,043,814
22	262	$134,015	$9,037	$124,979	$4,918,836
22	263	$134,015	$8,813	$125,202	$4,793,633
22	264	$134,015	$8,589	$125,427	$4,668,206
23	265	$134,015	$8,364	$125,652	$4,542,555
23	266	$134,015	$8,139	$125,877	$4,416,678
23	267	$134,015	$7,913	$126,102	$4,290,576
23	268	$134,015	$7,687	$126,328	$4,164,248
23	269	$134,015	$7,461	$126,554	$4,037,694
23	270	$134,015	$7,234	$126,781	$3,910,912
23	271	$134,015	$7,007	$127,008	$3,783,904
23	272	$134,015	$6,779	$127,236	$3,656,668
23	273	$134,015	$6,552	$127,464	$3,529,204
23	274	$134,015	$6,323	$127,692	$3,401,512
23	275	$134,015	$6,094	$127,921	$3,273,591
23	276	$134,015	$5,865	$128,150	$3,145,441
24	277	$134,015	$5,636	$128,380	$3,017,061
24	278	$134,015	$5,406	$128,610	$2,888,451
24	279	$134,015	$5,175	$128,840	$2,759,611
24	280	$134,015	$4,944	$129,071	$2,630,540
24	281	$134,015	$4,713	$129,302	$2,501,238
24	282	$134,015	$4,481	$129,534	$2,371,704
24	283	$134,015	$4,249	$129,766	$2,241,938
24	284	$134,015	$4,017	$129,999	$2,111,939
24	285	$134,015	$3,784	$130,231	$1,981,708
24	286	$134,015	$3,551	$130,465	$1,851,243
24	287	$134,015	$3,317	$130,699	$1,720,544
24	288	$134,015	$3,083	$130,933	$1,589,611
25	289	$134,015	$2,848	$131,167	$1,458,444
25	290	$134,015	$2,613	$131,402	$1,327,042
25	291	$134,015	$2,378	$131,638	$1,195,404
25	292	$134,015	$2,142	$131,874	$1,063,530
25	293	$134,015	$1,905	$132,110	$931,421
25	294	$134,015	$1,669	$132,347	$799,074
25	295	$134,015	$1,432	$132,584	$666,490
25	296	$134,015	$1,194	$132,821	$533,669
25	297	$134,015	$956	$133,059	$400,610
25	298	$134,015	$718	$133,298	$267,312
25	299	$134,015	$479	$133,536	$133,776
25	300	$134,015	$240	$133,776	$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$ 20,720,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 21,238,000

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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.