Century 21 Centaland Property

Down Payment (HKD)

$30,000,000

Monthly Repayment (HKD)

$194,038

Loan Amount (HKD)

$45,000,000

Total Interest (HKD)

$13,211,312

Total Repayment (HKD)

$58,211,312

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$194,038	$80,625	$113,413	$44,886,587
1	2	$194,038	$80,422	$113,616	$44,772,971
1	3	$194,038	$80,218	$113,819	$44,659,152
1	4	$194,038	$80,014	$114,023	$44,545,129
1	5	$194,038	$79,810	$114,228	$44,430,901
1	6	$194,038	$79,605	$114,432	$44,316,468
1	7	$194,038	$79,400	$114,637	$44,201,831
1	8	$194,038	$79,195	$114,843	$44,086,988
1	9	$194,038	$78,989	$115,049	$43,971,940
1	10	$194,038	$78,783	$115,255	$43,856,685
1	11	$194,038	$78,577	$115,461	$43,741,224
1	12	$194,038	$78,370	$115,668	$43,625,556
2	13	$194,038	$78,162	$115,875	$43,509,681
2	14	$194,038	$77,955	$116,083	$43,393,598
2	15	$194,038	$77,747	$116,291	$43,277,307
2	16	$194,038	$77,539	$116,499	$43,160,808
2	17	$194,038	$77,330	$116,708	$43,044,100
2	18	$194,038	$77,121	$116,917	$42,927,183
2	19	$194,038	$76,911	$117,127	$42,810,056
2	20	$194,038	$76,701	$117,336	$42,692,720
2	21	$194,038	$76,491	$117,547	$42,575,173
2	22	$194,038	$76,281	$117,757	$42,457,416
2	23	$194,038	$76,070	$117,968	$42,339,448
2	24	$194,038	$75,858	$118,180	$42,221,269
3	25	$194,038	$75,646	$118,391	$42,102,877
3	26	$194,038	$75,434	$118,603	$41,984,274
3	27	$194,038	$75,222	$118,816	$41,865,458
3	28	$194,038	$75,009	$119,029	$41,746,429
3	29	$194,038	$74,796	$119,242	$41,627,187
3	30	$194,038	$74,582	$119,456	$41,507,732
3	31	$194,038	$74,368	$119,670	$41,388,062
3	32	$194,038	$74,154	$119,884	$41,268,178
3	33	$194,038	$73,939	$120,099	$41,148,079
3	34	$194,038	$73,724	$120,314	$41,027,765
3	35	$194,038	$73,508	$120,530	$40,907,235
3	36	$194,038	$73,292	$120,746	$40,786,490
4	37	$194,038	$73,076	$120,962	$40,665,528
4	38	$194,038	$72,859	$121,179	$40,544,349
4	39	$194,038	$72,642	$121,396	$40,422,953
4	40	$194,038	$72,424	$121,613	$40,301,340
4	41	$194,038	$72,207	$121,831	$40,179,509
4	42	$194,038	$71,988	$122,049	$40,057,460
4	43	$194,038	$71,770	$122,268	$39,935,191
4	44	$194,038	$71,551	$122,487	$39,812,704
4	45	$194,038	$71,331	$122,707	$39,689,998
4	46	$194,038	$71,111	$122,926	$39,567,071
4	47	$194,038	$70,891	$123,147	$39,443,925
4	48	$194,038	$70,670	$123,367	$39,320,557
5	49	$194,038	$70,449	$123,588	$39,196,969
5	50	$194,038	$70,228	$123,810	$39,073,159
5	51	$194,038	$70,006	$124,032	$38,949,127
5	52	$194,038	$69,784	$124,254	$38,824,874
5	53	$194,038	$69,561	$124,476	$38,700,397
5	54	$194,038	$69,338	$124,699	$38,575,698
5	55	$194,038	$69,115	$124,923	$38,450,775
5	56	$194,038	$68,891	$125,147	$38,325,628
5	57	$194,038	$68,667	$125,371	$38,200,257
5	58	$194,038	$68,442	$125,596	$38,074,661
5	59	$194,038	$68,217	$125,821	$37,948,841
5	60	$194,038	$67,992	$126,046	$37,822,795
6	61	$194,038	$67,766	$126,272	$37,696,523
6	62	$194,038	$67,540	$126,498	$37,570,025
6	63	$194,038	$67,313	$126,725	$37,443,300
6	64	$194,038	$67,086	$126,952	$37,316,348
6	65	$194,038	$66,858	$127,179	$37,189,169
6	66	$194,038	$66,631	$127,407	$37,061,762
6	67	$194,038	$66,402	$127,635	$36,934,126
6	68	$194,038	$66,174	$127,864	$36,806,262
6	69	$194,038	$65,945	$128,093	$36,678,169
6	70	$194,038	$65,715	$128,323	$36,549,847
6	71	$194,038	$65,485	$128,553	$36,421,294
6	72	$194,038	$65,255	$128,783	$36,292,511
7	73	$194,038	$65,024	$129,014	$36,163,497
7	74	$194,038	$64,793	$129,245	$36,034,253
7	75	$194,038	$64,561	$129,476	$35,904,776
7	76	$194,038	$64,329	$129,708	$35,775,068
7	77	$194,038	$64,097	$129,941	$35,645,127
7	78	$194,038	$63,864	$130,174	$35,514,954
7	79	$194,038	$63,631	$130,407	$35,384,547
7	80	$194,038	$63,397	$130,640	$35,253,907
7	81	$194,038	$63,163	$130,874	$35,123,032
7	82	$194,038	$62,929	$131,109	$34,991,923
7	83	$194,038	$62,694	$131,344	$34,860,579
7	84	$194,038	$62,459	$131,579	$34,729,000
8	85	$194,038	$62,223	$131,815	$34,597,185
8	86	$194,038	$61,987	$132,051	$34,465,134
8	87	$194,038	$61,750	$132,288	$34,332,847
8	88	$194,038	$61,513	$132,525	$34,200,322
8	89	$194,038	$61,276	$132,762	$34,067,560
8	90	$194,038	$61,038	$133,000	$33,934,560
8	91	$194,038	$60,799	$133,238	$33,801,321
8	92	$194,038	$60,561	$133,477	$33,667,844
8	93	$194,038	$60,322	$133,716	$33,534,128
8	94	$194,038	$60,082	$133,956	$33,400,173
8	95	$194,038	$59,842	$134,196	$33,265,977
8	96	$194,038	$59,602	$134,436	$33,131,541
9	97	$194,038	$59,361	$134,677	$32,996,864
9	98	$194,038	$59,119	$134,918	$32,861,945
9	99	$194,038	$58,878	$135,160	$32,726,785
9	100	$194,038	$58,635	$135,402	$32,591,383
9	101	$194,038	$58,393	$135,645	$32,455,738
9	102	$194,038	$58,150	$135,888	$32,319,850
9	103	$194,038	$57,906	$136,131	$32,183,719
9	104	$194,038	$57,662	$136,375	$32,047,344
9	105	$194,038	$57,418	$136,620	$31,910,724
9	106	$194,038	$57,173	$136,864	$31,773,860
9	107	$194,038	$56,928	$137,110	$31,636,750
9	108	$194,038	$56,683	$137,355	$31,499,395
10	109	$194,038	$56,436	$137,601	$31,361,794
10	110	$194,038	$56,190	$137,848	$31,223,946
10	111	$194,038	$55,943	$138,095	$31,085,851
10	112	$194,038	$55,695	$138,342	$30,947,509
10	113	$194,038	$55,448	$138,590	$30,808,919
10	114	$194,038	$55,199	$138,838	$30,670,081
10	115	$194,038	$54,951	$139,087	$30,530,994
10	116	$194,038	$54,701	$139,336	$30,391,657
10	117	$194,038	$54,452	$139,586	$30,252,071
10	118	$194,038	$54,202	$139,836	$30,112,235
10	119	$194,038	$53,951	$140,087	$29,972,148
10	120	$194,038	$53,700	$140,338	$29,831,811
11	121	$194,038	$53,449	$140,589	$29,691,222
11	122	$194,038	$53,197	$140,841	$29,550,381
11	123	$194,038	$52,944	$141,093	$29,409,288
11	124	$194,038	$52,692	$141,346	$29,267,942
11	125	$194,038	$52,438	$141,599	$29,126,342
11	126	$194,038	$52,185	$141,853	$28,984,489
11	127	$194,038	$51,931	$142,107	$28,842,382
11	128	$194,038	$51,676	$142,362	$28,700,020
11	129	$194,038	$51,421	$142,617	$28,557,403
11	130	$194,038	$51,165	$142,872	$28,414,531
11	131	$194,038	$50,909	$143,128	$28,271,403
11	132	$194,038	$50,653	$143,385	$28,128,018
12	133	$194,038	$50,396	$143,642	$27,984,376
12	134	$194,038	$50,139	$143,899	$27,840,477
12	135	$194,038	$49,881	$144,157	$27,696,320
12	136	$194,038	$49,623	$144,415	$27,551,905
12	137	$194,038	$49,364	$144,674	$27,407,231
12	138	$194,038	$49,105	$144,933	$27,262,298
12	139	$194,038	$48,845	$145,193	$27,117,106
12	140	$194,038	$48,585	$145,453	$26,971,653
12	141	$194,038	$48,324	$145,713	$26,825,939
12	142	$194,038	$48,063	$145,975	$26,679,965
12	143	$194,038	$47,802	$146,236	$26,533,728
12	144	$194,038	$47,540	$146,498	$26,387,230
13	145	$194,038	$47,277	$146,761	$26,240,470
13	146	$194,038	$47,014	$147,024	$26,093,446
13	147	$194,038	$46,751	$147,287	$25,946,159
13	148	$194,038	$46,487	$147,551	$25,798,608
13	149	$194,038	$46,223	$147,815	$25,650,793
13	150	$194,038	$45,958	$148,080	$25,502,713
13	151	$194,038	$45,692	$148,345	$25,354,368
13	152	$194,038	$45,427	$148,611	$25,205,757
13	153	$194,038	$45,160	$148,877	$25,056,879
13	154	$194,038	$44,894	$149,144	$24,907,735
13	155	$194,038	$44,626	$149,411	$24,758,324
13	156	$194,038	$44,359	$149,679	$24,608,645
14	157	$194,038	$44,090	$149,947	$24,458,698
14	158	$194,038	$43,822	$150,216	$24,308,482
14	159	$194,038	$43,553	$150,485	$24,157,997
14	160	$194,038	$43,283	$150,755	$24,007,242
14	161	$194,038	$43,013	$151,025	$23,856,217
14	162	$194,038	$42,742	$151,295	$23,704,922
14	163	$194,038	$42,471	$151,566	$23,553,356
14	164	$194,038	$42,200	$151,838	$23,401,518
14	165	$194,038	$41,928	$152,110	$23,249,408
14	166	$194,038	$41,655	$152,383	$23,097,025
14	167	$194,038	$41,382	$152,656	$22,944,370
14	168	$194,038	$41,109	$152,929	$22,791,441
15	169	$194,038	$40,835	$153,203	$22,638,238
15	170	$194,038	$40,560	$153,478	$22,484,760
15	171	$194,038	$40,285	$153,753	$22,331,008
15	172	$194,038	$40,010	$154,028	$22,176,980
15	173	$194,038	$39,734	$154,304	$22,022,676
15	174	$194,038	$39,457	$154,580	$21,868,095
15	175	$194,038	$39,180	$154,857	$21,713,238
15	176	$194,038	$38,903	$155,135	$21,558,103
15	177	$194,038	$38,625	$155,413	$21,402,690
15	178	$194,038	$38,346	$155,691	$21,246,999
15	179	$194,038	$38,068	$155,970	$21,091,029
15	180	$194,038	$37,788	$156,250	$20,934,779
16	181	$194,038	$37,508	$156,530	$20,778,250
16	182	$194,038	$37,228	$156,810	$20,621,440
16	183	$194,038	$36,947	$157,091	$20,464,349
16	184	$194,038	$36,665	$157,372	$20,306,976
16	185	$194,038	$36,383	$157,654	$20,149,322
16	186	$194,038	$36,101	$157,937	$19,991,385
16	187	$194,038	$35,818	$158,220	$19,833,165
16	188	$194,038	$35,534	$158,503	$19,674,662
16	189	$194,038	$35,250	$158,787	$19,515,875
16	190	$194,038	$34,966	$159,072	$19,356,803
16	191	$194,038	$34,681	$159,357	$19,197,446
16	192	$194,038	$34,395	$159,642	$19,037,804
17	193	$194,038	$34,109	$159,928	$18,877,876
17	194	$194,038	$33,823	$160,215	$18,717,661
17	195	$194,038	$33,536	$160,502	$18,557,159
17	196	$194,038	$33,248	$160,789	$18,396,369
17	197	$194,038	$32,960	$161,078	$18,235,292
17	198	$194,038	$32,672	$161,366	$18,073,926
17	199	$194,038	$32,382	$161,655	$17,912,270
17	200	$194,038	$32,093	$161,945	$17,750,326
17	201	$194,038	$31,803	$162,235	$17,588,090
17	202	$194,038	$31,512	$162,526	$17,425,565
17	203	$194,038	$31,221	$162,817	$17,262,748
17	204	$194,038	$30,929	$163,109	$17,099,639
18	205	$194,038	$30,637	$163,401	$16,936,238
18	206	$194,038	$30,344	$163,694	$16,772,545
18	207	$194,038	$30,051	$163,987	$16,608,558
18	208	$194,038	$29,757	$164,281	$16,444,277
18	209	$194,038	$29,463	$164,575	$16,279,702
18	210	$194,038	$29,168	$164,870	$16,114,832
18	211	$194,038	$28,872	$165,165	$15,949,667
18	212	$194,038	$28,576	$165,461	$15,784,206
18	213	$194,038	$28,280	$165,758	$15,618,448
18	214	$194,038	$27,983	$166,055	$15,452,393
18	215	$194,038	$27,686	$166,352	$15,286,041
18	216	$194,038	$27,387	$166,650	$15,119,391
19	217	$194,038	$27,089	$166,949	$14,952,442
19	218	$194,038	$26,790	$167,248	$14,785,194
19	219	$194,038	$26,490	$167,548	$14,617,647
19	220	$194,038	$26,190	$167,848	$14,449,799
19	221	$194,038	$25,889	$168,148	$14,281,650
19	222	$194,038	$25,588	$168,450	$14,113,201
19	223	$194,038	$25,286	$168,752	$13,944,449
19	224	$194,038	$24,984	$169,054	$13,775,395
19	225	$194,038	$24,681	$169,357	$13,606,038
19	226	$194,038	$24,377	$169,660	$13,436,378
19	227	$194,038	$24,074	$169,964	$13,266,414
19	228	$194,038	$23,769	$170,269	$13,096,145
20	229	$194,038	$23,464	$170,574	$12,925,572
20	230	$194,038	$23,158	$170,879	$12,754,692
20	231	$194,038	$22,852	$171,186	$12,583,507
20	232	$194,038	$22,545	$171,492	$12,412,014
20	233	$194,038	$22,238	$171,800	$12,240,215
20	234	$194,038	$21,930	$172,107	$12,068,107
20	235	$194,038	$21,622	$172,416	$11,895,692
20	236	$194,038	$21,313	$172,725	$11,722,967
20	237	$194,038	$21,004	$173,034	$11,549,933
20	238	$194,038	$20,694	$173,344	$11,376,589
20	239	$194,038	$20,383	$173,655	$11,202,934
20	240	$194,038	$20,072	$173,966	$11,028,969
21	241	$194,038	$19,760	$174,277	$10,854,691
21	242	$194,038	$19,448	$174,590	$10,680,101
21	243	$194,038	$19,135	$174,903	$10,505,199
21	244	$194,038	$18,822	$175,216	$10,329,983
21	245	$194,038	$18,508	$175,530	$10,154,453
21	246	$194,038	$18,193	$175,844	$9,978,609
21	247	$194,038	$17,878	$176,159	$9,802,450
21	248	$194,038	$17,563	$176,475	$9,625,975
21	249	$194,038	$17,247	$176,791	$9,449,183
21	250	$194,038	$16,930	$177,108	$9,272,075
21	251	$194,038	$16,612	$177,425	$9,094,650
21	252	$194,038	$16,295	$177,743	$8,916,907
22	253	$194,038	$15,976	$178,062	$8,738,846
22	254	$194,038	$15,657	$178,381	$8,560,465
22	255	$194,038	$15,337	$178,700	$8,381,765
22	256	$194,038	$15,017	$179,020	$8,202,744
22	257	$194,038	$14,697	$179,341	$8,023,403
22	258	$194,038	$14,375	$179,662	$7,843,741
22	259	$194,038	$14,053	$179,984	$7,663,756
22	260	$194,038	$13,731	$180,307	$7,483,450
22	261	$194,038	$13,408	$180,630	$7,302,820
22	262	$194,038	$13,084	$180,953	$7,121,866
22	263	$194,038	$12,760	$181,278	$6,940,589
22	264	$194,038	$12,435	$181,602	$6,758,986
23	265	$194,038	$12,110	$181,928	$6,577,058
23	266	$194,038	$11,784	$182,254	$6,394,804
23	267	$194,038	$11,457	$182,580	$6,212,224
23	268	$194,038	$11,130	$182,907	$6,029,317
23	269	$194,038	$10,803	$183,235	$5,846,081
23	270	$194,038	$10,474	$183,563	$5,662,518
23	271	$194,038	$10,145	$183,892	$5,478,626
23	272	$194,038	$9,816	$184,222	$5,294,404
23	273	$194,038	$9,486	$184,552	$5,109,852
23	274	$194,038	$9,155	$184,883	$4,924,969
23	275	$194,038	$8,824	$185,214	$4,739,755
23	276	$194,038	$8,492	$185,546	$4,554,210
24	277	$194,038	$8,160	$185,878	$4,368,332
24	278	$194,038	$7,827	$186,211	$4,182,121
24	279	$194,038	$7,493	$186,545	$3,995,576
24	280	$194,038	$7,159	$186,879	$3,808,697
24	281	$194,038	$6,824	$187,214	$3,621,483
24	282	$194,038	$6,488	$187,549	$3,433,934
24	283	$194,038	$6,152	$187,885	$3,246,049
24	284	$194,038	$5,816	$188,222	$3,057,827
24	285	$194,038	$5,479	$188,559	$2,869,268
24	286	$194,038	$5,141	$188,897	$2,680,371
24	287	$194,038	$4,802	$189,235	$2,491,135
24	288	$194,038	$4,463	$189,574	$2,301,561
25	289	$194,038	$4,124	$189,914	$2,111,647
25	290	$194,038	$3,783	$190,254	$1,921,393
25	291	$194,038	$3,442	$190,595	$1,730,797
25	292	$194,038	$3,101	$190,937	$1,539,861
25	293	$194,038	$2,759	$191,279	$1,348,582
25	294	$194,038	$2,416	$191,621	$1,156,960
25	295	$194,038	$2,073	$191,965	$964,995
25	296	$194,038	$1,729	$192,309	$772,687
25	297	$194,038	$1,384	$192,653	$580,033
25	298	$194,038	$1,039	$192,998	$387,035
25	299	$194,038	$693	$193,344	$193,691
25	300	$194,038	$347	$193,691	$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$ 30,000,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 30,750,000

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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.