Century 21 Centaland Property

Down Payment (HKD)

$17,560,000

Monthly Repayment (HKD)

$113,577

Loan Amount (HKD)

$26,340,000

Total Interest (HKD)

$7,733,021

Total Repayment (HKD)

$34,073,021

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$113,577	$47,193	$66,384	$26,273,616
1	2	$113,577	$47,074	$66,503	$26,207,113
1	3	$113,577	$46,954	$66,622	$26,140,490
1	4	$113,577	$46,835	$66,742	$26,073,749
1	5	$113,577	$46,715	$66,861	$26,006,887
1	6	$113,577	$46,596	$66,981	$25,939,906
1	7	$113,577	$46,476	$67,101	$25,872,805
1	8	$113,577	$46,355	$67,221	$25,805,584
1	9	$113,577	$46,235	$67,342	$25,738,242
1	10	$113,577	$46,114	$67,462	$25,670,780
1	11	$113,577	$45,993	$67,583	$25,603,196
1	12	$113,577	$45,872	$67,704	$25,535,492
2	13	$113,577	$45,751	$67,826	$25,467,666
2	14	$113,577	$45,630	$67,947	$25,399,719
2	15	$113,577	$45,508	$68,069	$25,331,650
2	16	$113,577	$45,386	$68,191	$25,263,460
2	17	$113,577	$45,264	$68,313	$25,195,147
2	18	$113,577	$45,141	$68,435	$25,126,711
2	19	$113,577	$45,019	$68,558	$25,058,153
2	20	$113,577	$44,896	$68,681	$24,989,472
2	21	$113,577	$44,773	$68,804	$24,920,668
2	22	$113,577	$44,650	$68,927	$24,851,741
2	23	$113,577	$44,526	$69,051	$24,782,690
2	24	$113,577	$44,402	$69,174	$24,713,516
3	25	$113,577	$44,278	$69,298	$24,644,218
3	26	$113,577	$44,154	$69,423	$24,574,795
3	27	$113,577	$44,030	$69,547	$24,505,248
3	28	$113,577	$43,905	$69,672	$24,435,577
3	29	$113,577	$43,780	$69,796	$24,365,780
3	30	$113,577	$43,655	$69,921	$24,295,859
3	31	$113,577	$43,530	$70,047	$24,225,812
3	32	$113,577	$43,405	$70,172	$24,155,640
3	33	$113,577	$43,279	$70,298	$24,085,342
3	34	$113,577	$43,153	$70,424	$24,014,918
3	35	$113,577	$43,027	$70,550	$23,944,368
3	36	$113,577	$42,900	$70,676	$23,873,692
4	37	$113,577	$42,774	$70,803	$23,802,889
4	38	$113,577	$42,647	$70,930	$23,731,959
4	39	$113,577	$42,520	$71,057	$23,660,902
4	40	$113,577	$42,392	$71,184	$23,589,718
4	41	$113,577	$42,265	$71,312	$23,518,406
4	42	$113,577	$42,137	$71,440	$23,446,966
4	43	$113,577	$42,009	$71,568	$23,375,399
4	44	$113,577	$41,881	$71,696	$23,303,703
4	45	$113,577	$41,752	$71,824	$23,231,879
4	46	$113,577	$41,624	$71,953	$23,159,926
4	47	$113,577	$41,495	$72,082	$23,087,844
4	48	$113,577	$41,366	$72,211	$23,015,633
5	49	$113,577	$41,236	$72,340	$22,943,292
5	50	$113,577	$41,107	$72,470	$22,870,822
5	51	$113,577	$40,977	$72,600	$22,798,223
5	52	$113,577	$40,847	$72,730	$22,725,493
5	53	$113,577	$40,717	$72,860	$22,652,632
5	54	$113,577	$40,586	$72,991	$22,579,642
5	55	$113,577	$40,455	$73,122	$22,506,520
5	56	$113,577	$40,324	$73,253	$22,433,268
5	57	$113,577	$40,193	$73,384	$22,359,884
5	58	$113,577	$40,061	$73,515	$22,286,368
5	59	$113,577	$39,930	$73,647	$22,212,721
5	60	$113,577	$39,798	$73,779	$22,138,942
6	61	$113,577	$39,666	$73,911	$22,065,031
6	62	$113,577	$39,533	$74,044	$21,990,988
6	63	$113,577	$39,401	$74,176	$21,916,812
6	64	$113,577	$39,268	$74,309	$21,842,502
6	65	$113,577	$39,134	$74,442	$21,768,060
6	66	$113,577	$39,001	$74,576	$21,693,485
6	67	$113,577	$38,867	$74,709	$21,618,775
6	68	$113,577	$38,734	$74,843	$21,543,932
6	69	$113,577	$38,600	$74,977	$21,468,955
6	70	$113,577	$38,465	$75,112	$21,393,844
6	71	$113,577	$38,331	$75,246	$21,318,597
6	72	$113,577	$38,196	$75,381	$21,243,217
7	73	$113,577	$38,061	$75,516	$21,167,701
7	74	$113,577	$37,925	$75,651	$21,092,049
7	75	$113,577	$37,790	$75,787	$21,016,262
7	76	$113,577	$37,654	$75,923	$20,940,340
7	77	$113,577	$37,518	$76,059	$20,864,281
7	78	$113,577	$37,382	$76,195	$20,788,086
7	79	$113,577	$37,245	$76,331	$20,711,755
7	80	$113,577	$37,109	$76,468	$20,635,287
7	81	$113,577	$36,972	$76,605	$20,558,682
7	82	$113,577	$36,834	$76,742	$20,481,939
7	83	$113,577	$36,697	$76,880	$20,405,059
7	84	$113,577	$36,559	$77,018	$20,328,041
8	85	$113,577	$36,421	$77,156	$20,250,886
8	86	$113,577	$36,283	$77,294	$20,173,592
8	87	$113,577	$36,144	$77,432	$20,096,160
8	88	$113,577	$36,006	$77,571	$20,018,588
8	89	$113,577	$35,867	$77,710	$19,940,878
8	90	$113,577	$35,727	$77,849	$19,863,029
8	91	$113,577	$35,588	$77,989	$19,785,040
8	92	$113,577	$35,448	$78,129	$19,706,912
8	93	$113,577	$35,308	$78,269	$19,628,643
8	94	$113,577	$35,168	$78,409	$19,550,234
8	95	$113,577	$35,028	$78,549	$19,471,685
8	96	$113,577	$34,887	$78,690	$19,392,995
9	97	$113,577	$34,746	$78,831	$19,314,164
9	98	$113,577	$34,605	$78,972	$19,235,192
9	99	$113,577	$34,463	$79,114	$19,156,078
9	100	$113,577	$34,321	$79,255	$19,076,823
9	101	$113,577	$34,179	$79,397	$18,997,425
9	102	$113,577	$34,037	$79,540	$18,917,886
9	103	$113,577	$33,895	$79,682	$18,838,204
9	104	$113,577	$33,752	$79,825	$18,758,379
9	105	$113,577	$33,609	$79,968	$18,678,411
9	106	$113,577	$33,465	$80,111	$18,598,299
9	107	$113,577	$33,322	$80,255	$18,518,045
9	108	$113,577	$33,178	$80,399	$18,437,646
10	109	$113,577	$33,034	$80,543	$18,357,103
10	110	$113,577	$32,890	$80,687	$18,276,416
10	111	$113,577	$32,745	$80,831	$18,195,585
10	112	$113,577	$32,600	$80,976	$18,114,609
10	113	$113,577	$32,455	$81,121	$18,033,487
10	114	$113,577	$32,310	$81,267	$17,952,221
10	115	$113,577	$32,164	$81,412	$17,870,808
10	116	$113,577	$32,019	$81,558	$17,789,250
10	117	$113,577	$31,872	$81,704	$17,707,546
10	118	$113,577	$31,726	$81,851	$17,625,695
10	119	$113,577	$31,579	$81,997	$17,543,698
10	120	$113,577	$31,432	$82,144	$17,461,553
11	121	$113,577	$31,285	$82,291	$17,379,262
11	122	$113,577	$31,138	$82,439	$17,296,823
11	123	$113,577	$30,990	$82,587	$17,214,236
11	124	$113,577	$30,842	$82,735	$17,131,502
11	125	$113,577	$30,694	$82,883	$17,048,619
11	126	$113,577	$30,545	$83,031	$16,965,588
11	127	$113,577	$30,397	$83,180	$16,882,408
11	128	$113,577	$30,248	$83,329	$16,799,079
11	129	$113,577	$30,098	$83,478	$16,715,600
11	130	$113,577	$29,949	$83,628	$16,631,972
11	131	$113,577	$29,799	$83,778	$16,548,194
11	132	$113,577	$29,649	$83,928	$16,464,267
12	133	$113,577	$29,498	$84,078	$16,380,188
12	134	$113,577	$29,348	$84,229	$16,295,959
12	135	$113,577	$29,197	$84,380	$16,211,580
12	136	$113,577	$29,046	$84,531	$16,127,049
12	137	$113,577	$28,894	$84,682	$16,042,366
12	138	$113,577	$28,743	$84,834	$15,957,532
12	139	$113,577	$28,591	$84,986	$15,872,546
12	140	$113,577	$28,438	$85,138	$15,787,407
12	141	$113,577	$28,286	$85,291	$15,702,116
12	142	$113,577	$28,133	$85,444	$15,616,673
12	143	$113,577	$27,980	$85,597	$15,531,076
12	144	$113,577	$27,827	$85,750	$15,445,326
13	145	$113,577	$27,673	$85,904	$15,359,422
13	146	$113,577	$27,519	$86,058	$15,273,364
13	147	$113,577	$27,365	$86,212	$15,187,152
13	148	$113,577	$27,210	$86,366	$15,100,785
13	149	$113,577	$27,056	$86,521	$15,014,264
13	150	$113,577	$26,901	$86,676	$14,927,588
13	151	$113,577	$26,745	$86,831	$14,840,757
13	152	$113,577	$26,590	$86,987	$14,753,770
13	153	$113,577	$26,434	$87,143	$14,666,627
13	154	$113,577	$26,278	$87,299	$14,579,328
13	155	$113,577	$26,121	$87,455	$14,491,872
13	156	$113,577	$25,965	$87,612	$14,404,260
14	157	$113,577	$25,808	$87,769	$14,316,491
14	158	$113,577	$25,650	$87,926	$14,228,565
14	159	$113,577	$25,493	$88,084	$14,140,481
14	160	$113,577	$25,335	$88,242	$14,052,239
14	161	$113,577	$25,177	$88,400	$13,963,839
14	162	$113,577	$25,019	$88,558	$13,875,281
14	163	$113,577	$24,860	$88,717	$13,786,564
14	164	$113,577	$24,701	$88,876	$13,697,688
14	165	$113,577	$24,542	$89,035	$13,608,653
14	166	$113,577	$24,382	$89,195	$13,519,459
14	167	$113,577	$24,222	$89,354	$13,430,104
14	168	$113,577	$24,062	$89,514	$13,340,590
15	169	$113,577	$23,902	$89,675	$13,250,915
15	170	$113,577	$23,741	$89,836	$13,161,080
15	171	$113,577	$23,580	$89,996	$13,071,083
15	172	$113,577	$23,419	$90,158	$12,980,925
15	173	$113,577	$23,257	$90,319	$12,890,606
15	174	$113,577	$23,096	$90,481	$12,800,125
15	175	$113,577	$22,934	$90,643	$12,709,482
15	176	$113,577	$22,771	$90,806	$12,618,676
15	177	$113,577	$22,608	$90,968	$12,527,708
15	178	$113,577	$22,445	$91,131	$12,436,577
15	179	$113,577	$22,282	$91,295	$12,345,282
15	180	$113,577	$22,119	$91,458	$12,253,824
16	181	$113,577	$21,955	$91,622	$12,162,202
16	182	$113,577	$21,791	$91,786	$12,070,416
16	183	$113,577	$21,626	$91,951	$11,978,465
16	184	$113,577	$21,461	$92,115	$11,886,350
16	185	$113,577	$21,296	$92,280	$11,794,070
16	186	$113,577	$21,131	$92,446	$11,701,624
16	187	$113,577	$20,965	$92,611	$11,609,013
16	188	$113,577	$20,799	$92,777	$11,516,235
16	189	$113,577	$20,633	$92,943	$11,423,292
16	190	$113,577	$20,467	$93,110	$11,330,182
16	191	$113,577	$20,300	$93,277	$11,236,905
16	192	$113,577	$20,133	$93,444	$11,143,461
17	193	$113,577	$19,965	$93,611	$11,049,850
17	194	$113,577	$19,798	$93,779	$10,956,071
17	195	$113,577	$19,630	$93,947	$10,862,124
17	196	$113,577	$19,461	$94,115	$10,768,008
17	197	$113,577	$19,293	$94,284	$10,673,724
17	198	$113,577	$19,124	$94,453	$10,579,271
17	199	$113,577	$18,955	$94,622	$10,484,649
17	200	$113,577	$18,785	$94,792	$10,389,857
17	201	$113,577	$18,615	$94,962	$10,294,896
17	202	$113,577	$18,445	$95,132	$10,199,764
17	203	$113,577	$18,275	$95,302	$10,104,462
17	204	$113,577	$18,104	$95,473	$10,008,989
18	205	$113,577	$17,933	$95,644	$9,913,345
18	206	$113,577	$17,761	$95,815	$9,817,530
18	207	$113,577	$17,590	$95,987	$9,721,543
18	208	$113,577	$17,418	$96,159	$9,625,384
18	209	$113,577	$17,245	$96,331	$9,529,052
18	210	$113,577	$17,073	$96,504	$9,432,548
18	211	$113,577	$16,900	$96,677	$9,335,872
18	212	$113,577	$16,727	$96,850	$9,239,022
18	213	$113,577	$16,553	$97,023	$9,141,998
18	214	$113,577	$16,379	$97,197	$9,044,801
18	215	$113,577	$16,205	$97,371	$8,947,429
18	216	$113,577	$16,031	$97,546	$8,849,884
19	217	$113,577	$15,856	$97,721	$8,752,163
19	218	$113,577	$15,681	$97,896	$8,654,267
19	219	$113,577	$15,506	$98,071	$8,556,196
19	220	$113,577	$15,330	$98,247	$8,457,949
19	221	$113,577	$15,154	$98,423	$8,359,526
19	222	$113,577	$14,977	$98,599	$8,260,927
19	223	$113,577	$14,801	$98,776	$8,162,151
19	224	$113,577	$14,624	$98,953	$8,063,198
19	225	$113,577	$14,447	$99,130	$7,964,068
19	226	$113,577	$14,269	$99,308	$7,864,760
19	227	$113,577	$14,091	$99,486	$7,765,274
19	228	$113,577	$13,913	$99,664	$7,665,610
20	229	$113,577	$13,734	$99,843	$7,565,768
20	230	$113,577	$13,555	$100,021	$7,465,746
20	231	$113,577	$13,376	$100,201	$7,365,546
20	232	$113,577	$13,197	$100,380	$7,265,166
20	233	$113,577	$13,017	$100,560	$7,164,606
20	234	$113,577	$12,837	$100,740	$7,063,866
20	235	$113,577	$12,656	$100,921	$6,962,945
20	236	$113,577	$12,475	$101,101	$6,861,843
20	237	$113,577	$12,294	$101,283	$6,760,561
20	238	$113,577	$12,113	$101,464	$6,659,097
20	239	$113,577	$11,931	$101,646	$6,557,451
20	240	$113,577	$11,749	$101,828	$6,455,623
21	241	$113,577	$11,566	$102,010	$6,353,613
21	242	$113,577	$11,384	$102,193	$6,251,419
21	243	$113,577	$11,200	$102,376	$6,149,043
21	244	$113,577	$11,017	$102,560	$6,046,483
21	245	$113,577	$10,833	$102,743	$5,943,740
21	246	$113,577	$10,649	$102,928	$5,840,812
21	247	$113,577	$10,465	$103,112	$5,737,700
21	248	$113,577	$10,280	$103,297	$5,634,404
21	249	$113,577	$10,095	$103,482	$5,530,922
21	250	$113,577	$9,910	$103,667	$5,427,255
21	251	$113,577	$9,724	$103,853	$5,323,402
21	252	$113,577	$9,538	$104,039	$5,219,363
22	253	$113,577	$9,351	$104,225	$5,115,138
22	254	$113,577	$9,165	$104,412	$5,010,725
22	255	$113,577	$8,978	$104,599	$4,906,126
22	256	$113,577	$8,790	$104,787	$4,801,340
22	257	$113,577	$8,602	$104,974	$4,696,365
22	258	$113,577	$8,414	$105,162	$4,591,203
22	259	$113,577	$8,226	$105,351	$4,485,852
22	260	$113,577	$8,037	$105,540	$4,380,312
22	261	$113,577	$7,848	$105,729	$4,274,584
22	262	$113,577	$7,659	$105,918	$4,168,666
22	263	$113,577	$7,469	$106,108	$4,062,558
22	264	$113,577	$7,279	$106,298	$3,956,260
23	265	$113,577	$7,088	$106,488	$3,849,771
23	266	$113,577	$6,898	$106,679	$3,743,092
23	267	$113,577	$6,706	$106,870	$3,636,222
23	268	$113,577	$6,515	$107,062	$3,529,160
23	269	$113,577	$6,323	$107,254	$3,421,906
23	270	$113,577	$6,131	$107,446	$3,314,460
23	271	$113,577	$5,938	$107,638	$3,206,822
23	272	$113,577	$5,746	$107,831	$3,098,991
23	273	$113,577	$5,552	$108,024	$2,990,967
23	274	$113,577	$5,359	$108,218	$2,882,749
23	275	$113,577	$5,165	$108,412	$2,774,337
23	276	$113,577	$4,971	$108,606	$2,665,731
24	277	$113,577	$4,776	$108,801	$2,556,930
24	278	$113,577	$4,581	$108,996	$2,447,935
24	279	$113,577	$4,386	$109,191	$2,338,744
24	280	$113,577	$4,190	$109,386	$2,229,357
24	281	$113,577	$3,994	$109,582	$2,119,775
24	282	$113,577	$3,798	$109,779	$2,009,996
24	283	$113,577	$3,601	$109,975	$1,900,020
24	284	$113,577	$3,404	$110,173	$1,789,848
24	285	$113,577	$3,207	$110,370	$1,679,478
24	286	$113,577	$3,009	$110,568	$1,568,910
24	287	$113,577	$2,811	$110,766	$1,458,145
24	288	$113,577	$2,613	$110,964	$1,347,180
25	289	$113,577	$2,414	$111,163	$1,236,017
25	290	$113,577	$2,215	$111,362	$1,124,655
25	291	$113,577	$2,015	$111,562	$1,013,093
25	292	$113,577	$1,815	$111,762	$901,332
25	293	$113,577	$1,615	$111,962	$789,370
25	294	$113,577	$1,414	$112,162	$677,207
25	295	$113,577	$1,213	$112,363	$564,844
25	296	$113,577	$1,012	$112,565	$452,279
25	297	$113,577	$810	$112,766	$339,513
25	298	$113,577	$608	$112,968	$226,544
25	299	$113,577	$406	$113,171	$113,374
25	300	$113,577	$203	$113,374	$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$ 17,560,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 17,999,000

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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.