Century 21 Centaland Property

Down Payment (HKD)

$17,000,000

Monthly Repayment (HKD)

$109,955

Loan Amount (HKD)

$25,500,000

Total Interest (HKD)

$7,486,410

Total Repayment (HKD)

$32,986,410

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$109,955	$45,688	$64,267	$25,435,733
1	2	$109,955	$45,572	$64,382	$25,371,350
1	3	$109,955	$45,457	$64,498	$25,306,853
1	4	$109,955	$45,341	$64,613	$25,242,239
1	5	$109,955	$45,226	$64,729	$25,177,510
1	6	$109,955	$45,110	$64,845	$25,112,665
1	7	$109,955	$44,994	$64,961	$25,047,704
1	8	$109,955	$44,877	$65,078	$24,982,627
1	9	$109,955	$44,761	$65,194	$24,917,433
1	10	$109,955	$44,644	$65,311	$24,852,122
1	11	$109,955	$44,527	$65,428	$24,786,694
1	12	$109,955	$44,409	$65,545	$24,721,148
2	13	$109,955	$44,292	$65,663	$24,655,486
2	14	$109,955	$44,174	$65,780	$24,589,705
2	15	$109,955	$44,057	$65,898	$24,523,807
2	16	$109,955	$43,938	$66,016	$24,457,791
2	17	$109,955	$43,820	$66,134	$24,391,657
2	18	$109,955	$43,702	$66,253	$24,325,404
2	19	$109,955	$43,583	$66,372	$24,259,032
2	20	$109,955	$43,464	$66,491	$24,192,541
2	21	$109,955	$43,345	$66,610	$24,125,932
2	22	$109,955	$43,226	$66,729	$24,059,203
2	23	$109,955	$43,106	$66,849	$23,992,354
2	24	$109,955	$42,986	$66,968	$23,925,386
3	25	$109,955	$42,866	$67,088	$23,858,297
3	26	$109,955	$42,746	$67,209	$23,791,089
3	27	$109,955	$42,626	$67,329	$23,723,760
3	28	$109,955	$42,505	$67,450	$23,656,310
3	29	$109,955	$42,384	$67,570	$23,588,739
3	30	$109,955	$42,263	$67,692	$23,521,048
3	31	$109,955	$42,142	$67,813	$23,453,235
3	32	$109,955	$42,020	$67,934	$23,385,301
3	33	$109,955	$41,899	$68,056	$23,317,245
3	34	$109,955	$41,777	$68,178	$23,249,067
3	35	$109,955	$41,655	$68,300	$23,180,767
3	36	$109,955	$41,532	$68,422	$23,112,344
4	37	$109,955	$41,410	$68,545	$23,043,799
4	38	$109,955	$41,287	$68,668	$22,975,131
4	39	$109,955	$41,164	$68,791	$22,906,340
4	40	$109,955	$41,041	$68,914	$22,837,426
4	41	$109,955	$40,917	$69,038	$22,768,388
4	42	$109,955	$40,793	$69,161	$22,699,227
4	43	$109,955	$40,669	$69,285	$22,629,942
4	44	$109,955	$40,545	$69,409	$22,560,532
4	45	$109,955	$40,421	$69,534	$22,490,999
4	46	$109,955	$40,296	$69,658	$22,421,340
4	47	$109,955	$40,172	$69,783	$22,351,557
4	48	$109,955	$40,047	$69,908	$22,281,649
5	49	$109,955	$39,921	$70,033	$22,211,616
5	50	$109,955	$39,796	$70,159	$22,141,457
5	51	$109,955	$39,670	$70,285	$22,071,172
5	52	$109,955	$39,544	$70,411	$22,000,762
5	53	$109,955	$39,418	$70,537	$21,930,225
5	54	$109,955	$39,292	$70,663	$21,859,562
5	55	$109,955	$39,165	$70,790	$21,788,772
5	56	$109,955	$39,038	$70,916	$21,717,856
5	57	$109,955	$38,911	$71,044	$21,646,812
5	58	$109,955	$38,784	$71,171	$21,575,641
5	59	$109,955	$38,656	$71,298	$21,504,343
5	60	$109,955	$38,529	$71,426	$21,432,917
6	61	$109,955	$38,401	$71,554	$21,361,363
6	62	$109,955	$38,272	$71,682	$21,289,681
6	63	$109,955	$38,144	$71,811	$21,217,870
6	64	$109,955	$38,015	$71,939	$21,145,931
6	65	$109,955	$37,886	$72,068	$21,073,862
6	66	$109,955	$37,757	$72,197	$21,001,665
6	67	$109,955	$37,628	$72,327	$20,929,338
6	68	$109,955	$37,498	$72,456	$20,856,882
6	69	$109,955	$37,369	$72,586	$20,784,296
6	70	$109,955	$37,239	$72,716	$20,711,580
6	71	$109,955	$37,108	$72,846	$20,638,733
6	72	$109,955	$36,978	$72,977	$20,565,756
7	73	$109,955	$36,847	$73,108	$20,492,649
7	74	$109,955	$36,716	$73,239	$20,419,410
7	75	$109,955	$36,585	$73,370	$20,346,040
7	76	$109,955	$36,453	$73,501	$20,272,539
7	77	$109,955	$36,322	$73,633	$20,198,905
7	78	$109,955	$36,190	$73,765	$20,125,141
7	79	$109,955	$36,058	$73,897	$20,051,243
7	80	$109,955	$35,925	$74,030	$19,977,214
7	81	$109,955	$35,793	$74,162	$19,903,052
7	82	$109,955	$35,660	$74,295	$19,828,757
7	83	$109,955	$35,527	$74,428	$19,754,328
7	84	$109,955	$35,393	$74,562	$19,679,767
8	85	$109,955	$35,260	$74,695	$19,605,072
8	86	$109,955	$35,126	$74,829	$19,530,243
8	87	$109,955	$34,992	$74,963	$19,455,280
8	88	$109,955	$34,857	$75,097	$19,380,182
8	89	$109,955	$34,723	$75,232	$19,304,951
8	90	$109,955	$34,588	$75,367	$19,229,584
8	91	$109,955	$34,453	$75,502	$19,154,082
8	92	$109,955	$34,318	$75,637	$19,078,445
8	93	$109,955	$34,182	$75,772	$19,002,673
8	94	$109,955	$34,046	$75,908	$18,926,764
8	95	$109,955	$33,910	$76,044	$18,850,720
8	96	$109,955	$33,774	$76,180	$18,774,540
9	97	$109,955	$33,638	$76,317	$18,698,223
9	98	$109,955	$33,501	$76,454	$18,621,769
9	99	$109,955	$33,364	$76,591	$18,545,178
9	100	$109,955	$33,227	$76,728	$18,468,450
9	101	$109,955	$33,089	$76,865	$18,391,585
9	102	$109,955	$32,952	$77,003	$18,314,582
9	103	$109,955	$32,814	$77,141	$18,237,441
9	104	$109,955	$32,675	$77,279	$18,160,162
9	105	$109,955	$32,537	$77,418	$18,082,744
9	106	$109,955	$32,398	$77,556	$18,005,187
9	107	$109,955	$32,259	$77,695	$17,927,492
9	108	$109,955	$32,120	$77,835	$17,849,657
10	109	$109,955	$31,981	$77,974	$17,771,683
10	110	$109,955	$31,841	$78,114	$17,693,569
10	111	$109,955	$31,701	$78,254	$17,615,316
10	112	$109,955	$31,561	$78,394	$17,536,922
10	113	$109,955	$31,420	$78,534	$17,458,387
10	114	$109,955	$31,280	$78,675	$17,379,712
10	115	$109,955	$31,139	$78,816	$17,300,896
10	116	$109,955	$30,997	$78,957	$17,221,939
10	117	$109,955	$30,856	$79,099	$17,142,840
10	118	$109,955	$30,714	$79,240	$17,063,600
10	119	$109,955	$30,572	$79,382	$16,984,217
10	120	$109,955	$30,430	$79,525	$16,904,693
11	121	$109,955	$30,288	$79,667	$16,825,026
11	122	$109,955	$30,145	$79,810	$16,745,216
11	123	$109,955	$30,002	$79,953	$16,665,263
11	124	$109,955	$29,859	$80,096	$16,585,167
11	125	$109,955	$29,715	$80,240	$16,504,927
11	126	$109,955	$29,571	$80,383	$16,424,544
11	127	$109,955	$29,427	$80,527	$16,344,016
11	128	$109,955	$29,283	$80,672	$16,263,345
11	129	$109,955	$29,138	$80,816	$16,182,529
11	130	$109,955	$28,994	$80,961	$16,101,568
11	131	$109,955	$28,849	$81,106	$16,020,462
11	132	$109,955	$28,703	$81,251	$15,939,210
12	133	$109,955	$28,558	$81,397	$15,857,813
12	134	$109,955	$28,412	$81,543	$15,776,270
12	135	$109,955	$28,266	$81,689	$15,694,582
12	136	$109,955	$28,119	$81,835	$15,612,746
12	137	$109,955	$27,973	$81,982	$15,530,764
12	138	$109,955	$27,826	$82,129	$15,448,636
12	139	$109,955	$27,679	$82,276	$15,366,360
12	140	$109,955	$27,531	$82,423	$15,283,937
12	141	$109,955	$27,384	$82,571	$15,201,366
12	142	$109,955	$27,236	$82,719	$15,118,647
12	143	$109,955	$27,088	$82,867	$15,035,779
12	144	$109,955	$26,939	$83,016	$14,952,764
13	145	$109,955	$26,790	$83,164	$14,869,600
13	146	$109,955	$26,641	$83,313	$14,786,286
13	147	$109,955	$26,492	$83,463	$14,702,824
13	148	$109,955	$26,343	$83,612	$14,619,211
13	149	$109,955	$26,193	$83,762	$14,535,450
13	150	$109,955	$26,043	$83,912	$14,451,537
13	151	$109,955	$25,892	$84,062	$14,367,475
13	152	$109,955	$25,742	$84,213	$14,283,262
13	153	$109,955	$25,591	$84,364	$14,198,898
13	154	$109,955	$25,440	$84,515	$14,114,383
13	155	$109,955	$25,288	$84,666	$14,029,717
13	156	$109,955	$25,137	$84,818	$13,944,899
14	157	$109,955	$24,985	$84,970	$13,859,929
14	158	$109,955	$24,832	$85,122	$13,774,806
14	159	$109,955	$24,680	$85,275	$13,689,531
14	160	$109,955	$24,527	$85,428	$13,604,104
14	161	$109,955	$24,374	$85,581	$13,518,523
14	162	$109,955	$24,221	$85,734	$13,432,789
14	163	$109,955	$24,067	$85,888	$13,346,902
14	164	$109,955	$23,913	$86,042	$13,260,860
14	165	$109,955	$23,759	$86,196	$13,174,664
14	166	$109,955	$23,605	$86,350	$13,088,314
14	167	$109,955	$23,450	$86,505	$13,001,809
14	168	$109,955	$23,295	$86,660	$12,915,150
15	169	$109,955	$23,140	$86,815	$12,828,335
15	170	$109,955	$22,984	$86,971	$12,741,364
15	171	$109,955	$22,828	$87,126	$12,654,238
15	172	$109,955	$22,672	$87,283	$12,566,955
15	173	$109,955	$22,516	$87,439	$12,479,516
15	174	$109,955	$22,359	$87,596	$12,391,921
15	175	$109,955	$22,202	$87,753	$12,304,168
15	176	$109,955	$22,045	$87,910	$12,216,258
15	177	$109,955	$21,887	$88,067	$12,128,191
15	178	$109,955	$21,730	$88,225	$12,039,966
15	179	$109,955	$21,572	$88,383	$11,951,583
15	180	$109,955	$21,413	$88,541	$11,863,042
16	181	$109,955	$21,255	$88,700	$11,774,341
16	182	$109,955	$21,096	$88,859	$11,685,482
16	183	$109,955	$20,936	$89,018	$11,596,464
16	184	$109,955	$20,777	$89,178	$11,507,287
16	185	$109,955	$20,617	$89,337	$11,417,949
16	186	$109,955	$20,457	$89,498	$11,328,452
16	187	$109,955	$20,297	$89,658	$11,238,794
16	188	$109,955	$20,136	$89,819	$11,148,975
16	189	$109,955	$19,975	$89,979	$11,058,996
16	190	$109,955	$19,814	$90,141	$10,968,855
16	191	$109,955	$19,653	$90,302	$10,878,553
16	192	$109,955	$19,491	$90,464	$10,788,089
17	193	$109,955	$19,329	$90,626	$10,697,463
17	194	$109,955	$19,166	$90,788	$10,606,674
17	195	$109,955	$19,004	$90,951	$10,515,723
17	196	$109,955	$18,841	$91,114	$10,424,609
17	197	$109,955	$18,677	$91,277	$10,333,332
17	198	$109,955	$18,514	$91,441	$10,241,891
17	199	$109,955	$18,350	$91,605	$10,150,287
17	200	$109,955	$18,186	$91,769	$10,058,518
17	201	$109,955	$18,022	$91,933	$9,966,585
17	202	$109,955	$17,857	$92,098	$9,874,487
17	203	$109,955	$17,692	$92,263	$9,782,224
17	204	$109,955	$17,526	$92,428	$9,689,796
18	205	$109,955	$17,361	$92,594	$9,597,202
18	206	$109,955	$17,195	$92,760	$9,504,442
18	207	$109,955	$17,029	$92,926	$9,411,516
18	208	$109,955	$16,862	$93,092	$9,318,424
18	209	$109,955	$16,696	$93,259	$9,225,165
18	210	$109,955	$16,528	$93,426	$9,131,738
18	211	$109,955	$16,361	$93,594	$9,038,145
18	212	$109,955	$16,193	$93,761	$8,944,383
18	213	$109,955	$16,025	$93,929	$8,850,454
18	214	$109,955	$15,857	$94,098	$8,756,356
18	215	$109,955	$15,688	$94,266	$8,662,090
18	216	$109,955	$15,520	$94,435	$8,567,655
19	217	$109,955	$15,350	$94,604	$8,473,051
19	218	$109,955	$15,181	$94,774	$8,378,277
19	219	$109,955	$15,011	$94,944	$8,283,333
19	220	$109,955	$14,841	$95,114	$8,188,219
19	221	$109,955	$14,671	$95,284	$8,092,935
19	222	$109,955	$14,500	$95,455	$7,997,480
19	223	$109,955	$14,329	$95,626	$7,901,855
19	224	$109,955	$14,157	$95,797	$7,806,057
19	225	$109,955	$13,986	$95,969	$7,710,088
19	226	$109,955	$13,814	$96,141	$7,613,948
19	227	$109,955	$13,642	$96,313	$7,517,635
19	228	$109,955	$13,469	$96,486	$7,421,149
20	229	$109,955	$13,296	$96,658	$7,324,491
20	230	$109,955	$13,123	$96,832	$7,227,659
20	231	$109,955	$12,950	$97,005	$7,130,654
20	232	$109,955	$12,776	$97,179	$7,033,475
20	233	$109,955	$12,602	$97,353	$6,936,122
20	234	$109,955	$12,427	$97,527	$6,838,594
20	235	$109,955	$12,252	$97,702	$6,740,892
20	236	$109,955	$12,077	$97,877	$6,643,015
20	237	$109,955	$11,902	$98,053	$6,544,962
20	238	$109,955	$11,726	$98,228	$6,446,734
20	239	$109,955	$11,550	$98,404	$6,348,330
20	240	$109,955	$11,374	$98,581	$6,249,749
21	241	$109,955	$11,197	$98,757	$6,150,992
21	242	$109,955	$11,021	$98,934	$6,052,057
21	243	$109,955	$10,843	$99,111	$5,952,946
21	244	$109,955	$10,666	$99,289	$5,853,657
21	245	$109,955	$10,488	$99,467	$5,754,190
21	246	$109,955	$10,310	$99,645	$5,654,545
21	247	$109,955	$10,131	$99,824	$5,554,721
21	248	$109,955	$9,952	$100,002	$5,454,719
21	249	$109,955	$9,773	$100,182	$5,354,537
21	250	$109,955	$9,594	$100,361	$5,254,176
21	251	$109,955	$9,414	$100,541	$5,153,635
21	252	$109,955	$9,234	$100,721	$5,052,914
22	253	$109,955	$9,053	$100,902	$4,952,012
22	254	$109,955	$8,872	$101,082	$4,850,930
22	255	$109,955	$8,691	$101,263	$4,749,667
22	256	$109,955	$8,510	$101,445	$4,648,222
22	257	$109,955	$8,328	$101,627	$4,546,595
22	258	$109,955	$8,146	$101,809	$4,444,786
22	259	$109,955	$7,964	$101,991	$4,342,795
22	260	$109,955	$7,781	$102,174	$4,240,621
22	261	$109,955	$7,598	$102,357	$4,138,265
22	262	$109,955	$7,414	$102,540	$4,035,724
22	263	$109,955	$7,231	$102,724	$3,933,000
22	264	$109,955	$7,047	$102,908	$3,830,092
23	265	$109,955	$6,862	$103,092	$3,727,000
23	266	$109,955	$6,678	$103,277	$3,623,722
23	267	$109,955	$6,493	$103,462	$3,520,260
23	268	$109,955	$6,307	$103,648	$3,416,613
23	269	$109,955	$6,121	$103,833	$3,312,779
23	270	$109,955	$5,935	$104,019	$3,208,760
23	271	$109,955	$5,749	$104,206	$3,104,554
23	272	$109,955	$5,562	$104,392	$3,000,162
23	273	$109,955	$5,375	$104,579	$2,895,583
23	274	$109,955	$5,188	$104,767	$2,790,816
23	275	$109,955	$5,000	$104,954	$2,685,861
23	276	$109,955	$4,812	$105,143	$2,580,719
24	277	$109,955	$4,624	$105,331	$2,475,388
24	278	$109,955	$4,435	$105,520	$2,369,868
24	279	$109,955	$4,246	$105,709	$2,264,160
24	280	$109,955	$4,057	$105,898	$2,158,262
24	281	$109,955	$3,867	$106,088	$2,052,174
24	282	$109,955	$3,677	$106,278	$1,945,896
24	283	$109,955	$3,486	$106,468	$1,839,428
24	284	$109,955	$3,296	$106,659	$1,732,769
24	285	$109,955	$3,105	$106,850	$1,625,918
24	286	$109,955	$2,913	$107,042	$1,518,877
24	287	$109,955	$2,721	$107,233	$1,411,643
24	288	$109,955	$2,529	$107,426	$1,304,218
25	289	$109,955	$2,337	$107,618	$1,196,600
25	290	$109,955	$2,144	$107,811	$1,088,789
25	291	$109,955	$1,951	$108,004	$980,785
25	292	$109,955	$1,757	$108,197	$872,588
25	293	$109,955	$1,563	$108,391	$764,196
25	294	$109,955	$1,369	$108,586	$655,611
25	295	$109,955	$1,175	$108,780	$546,831
25	296	$109,955	$980	$108,975	$437,856
25	297	$109,955	$784	$109,170	$328,686
25	298	$109,955	$589	$109,366	$219,320
25	299	$109,955	$393	$109,562	$109,758
25	300	$109,955	$197	$109,758	$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$ 17,000,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 17,425,000

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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.