Century 21 Centaland Property

Down Payment (HKD)

$15,400,000

Monthly Repayment (HKD)

$99,606

Loan Amount (HKD)

$23,100,000

Total Interest (HKD)

$6,781,807

Total Repayment (HKD)

$29,881,807

Repayment Schedule
Year	Instalment	Repayment (HK$ )	Interest (HK$ )	Principal (HK$ )	Outstanding Amount (HK$ )
1	1	$99,606	$41,388	$58,219	$23,041,781
1	2	$99,606	$41,283	$58,323	$22,983,459
1	3	$99,606	$41,179	$58,427	$22,925,031
1	4	$99,606	$41,074	$58,532	$22,866,499
1	5	$99,606	$40,969	$58,637	$22,807,862
1	6	$99,606	$40,864	$58,742	$22,749,120
1	7	$99,606	$40,759	$58,847	$22,690,273
1	8	$99,606	$40,653	$58,953	$22,631,321
1	9	$99,606	$40,548	$59,058	$22,572,262
1	10	$99,606	$40,442	$59,164	$22,513,098
1	11	$99,606	$40,336	$59,270	$22,453,828
1	12	$99,606	$40,230	$59,376	$22,394,452
2	13	$99,606	$40,123	$59,483	$22,334,969
2	14	$99,606	$40,017	$59,589	$22,275,380
2	15	$99,606	$39,910	$59,696	$22,215,684
2	16	$99,606	$39,803	$59,803	$22,155,881
2	17	$99,606	$39,696	$59,910	$22,095,971
2	18	$99,606	$39,589	$60,017	$22,035,954
2	19	$99,606	$39,481	$60,125	$21,975,829
2	20	$99,606	$39,373	$60,233	$21,915,596
2	21	$99,606	$39,265	$60,341	$21,855,256
2	22	$99,606	$39,157	$60,449	$21,794,807
2	23	$99,606	$39,049	$60,557	$21,734,250
2	24	$99,606	$38,941	$60,665	$21,673,585
3	25	$99,606	$38,832	$60,774	$21,612,810
3	26	$99,606	$38,723	$60,883	$21,551,927
3	27	$99,606	$38,614	$60,992	$21,490,935
3	28	$99,606	$38,505	$61,101	$21,429,834
3	29	$99,606	$38,395	$61,211	$21,368,623
3	30	$99,606	$38,285	$61,321	$21,307,302
3	31	$99,606	$38,176	$61,430	$21,245,872
3	32	$99,606	$38,066	$61,541	$21,184,331
3	33	$99,606	$37,955	$61,651	$21,122,681
3	34	$99,606	$37,845	$61,761	$21,060,919
3	35	$99,606	$37,734	$61,872	$20,999,047
3	36	$99,606	$37,623	$61,983	$20,937,065
4	37	$99,606	$37,512	$62,094	$20,874,971
4	38	$99,606	$37,401	$62,205	$20,812,766
4	39	$99,606	$37,290	$62,316	$20,750,449
4	40	$99,606	$37,178	$62,428	$20,688,021
4	41	$99,606	$37,066	$62,540	$20,625,481
4	42	$99,606	$36,954	$62,652	$20,562,829
4	43	$99,606	$36,842	$62,764	$20,500,065
4	44	$99,606	$36,729	$62,877	$20,437,188
4	45	$99,606	$36,617	$62,989	$20,374,199
4	46	$99,606	$36,504	$63,102	$20,311,097
4	47	$99,606	$36,391	$63,215	$20,247,881
4	48	$99,606	$36,277	$63,329	$20,184,553
5	49	$99,606	$36,164	$63,442	$20,121,111
5	50	$99,606	$36,050	$63,556	$20,057,555
5	51	$99,606	$35,936	$63,670	$19,993,885
5	52	$99,606	$35,822	$63,784	$19,930,102
5	53	$99,606	$35,708	$63,898	$19,866,204
5	54	$99,606	$35,594	$64,012	$19,802,191
5	55	$99,606	$35,479	$64,127	$19,738,064
5	56	$99,606	$35,364	$64,242	$19,673,822
5	57	$99,606	$35,249	$64,357	$19,609,465
5	58	$99,606	$35,134	$64,472	$19,544,993
5	59	$99,606	$35,018	$64,588	$19,480,405
5	60	$99,606	$34,902	$64,704	$19,415,701
6	61	$99,606	$34,786	$64,820	$19,350,882
6	62	$99,606	$34,670	$64,936	$19,285,946
6	63	$99,606	$34,554	$65,052	$19,220,894
6	64	$99,606	$34,437	$65,169	$19,155,725
6	65	$99,606	$34,321	$65,285	$19,090,440
6	66	$99,606	$34,204	$65,402	$19,025,038
6	67	$99,606	$34,087	$65,519	$18,959,518
6	68	$99,606	$33,969	$65,637	$18,893,881
6	69	$99,606	$33,852	$65,754	$18,828,127
6	70	$99,606	$33,734	$65,872	$18,762,255
6	71	$99,606	$33,616	$65,990	$18,696,264
6	72	$99,606	$33,497	$66,109	$18,630,156
7	73	$99,606	$33,379	$66,227	$18,563,929
7	74	$99,606	$33,260	$66,346	$18,497,583
7	75	$99,606	$33,142	$66,465	$18,431,119
7	76	$99,606	$33,022	$66,584	$18,364,535
7	77	$99,606	$32,903	$66,703	$18,297,832
7	78	$99,606	$32,784	$66,822	$18,231,010
7	79	$99,606	$32,664	$66,942	$18,164,067
7	80	$99,606	$32,544	$67,062	$18,097,005
7	81	$99,606	$32,424	$67,182	$18,029,823
7	82	$99,606	$32,303	$67,303	$17,962,521
7	83	$99,606	$32,183	$67,423	$17,895,097
7	84	$99,606	$32,062	$67,544	$17,827,553
8	85	$99,606	$31,941	$67,665	$17,759,888
8	86	$99,606	$31,820	$67,786	$17,692,102
8	87	$99,606	$31,698	$67,908	$17,624,195
8	88	$99,606	$31,577	$68,029	$17,556,165
8	89	$99,606	$31,455	$68,151	$17,488,014
8	90	$99,606	$31,333	$68,273	$17,419,741
8	91	$99,606	$31,210	$68,396	$17,351,345
8	92	$99,606	$31,088	$68,518	$17,282,827
8	93	$99,606	$30,965	$68,641	$17,214,186
8	94	$99,606	$30,842	$68,764	$17,145,422
8	95	$99,606	$30,719	$68,887	$17,076,535
8	96	$99,606	$30,595	$69,011	$17,007,524
9	97	$99,606	$30,472	$69,134	$16,938,390
9	98	$99,606	$30,348	$69,258	$16,869,132
9	99	$99,606	$30,224	$69,382	$16,799,750
9	100	$99,606	$30,100	$69,506	$16,730,243
9	101	$99,606	$29,975	$69,631	$16,660,612
9	102	$99,606	$29,850	$69,756	$16,590,857
9	103	$99,606	$29,725	$69,881	$16,520,976
9	104	$99,606	$29,600	$70,006	$16,450,970
9	105	$99,606	$29,475	$70,131	$16,380,838
9	106	$99,606	$29,349	$70,257	$16,310,581
9	107	$99,606	$29,223	$70,383	$16,240,199
9	108	$99,606	$29,097	$70,509	$16,169,690
10	109	$99,606	$28,971	$70,635	$16,099,054
10	110	$99,606	$28,844	$70,762	$16,028,292
10	111	$99,606	$28,717	$70,889	$15,957,404
10	112	$99,606	$28,590	$71,016	$15,886,388
10	113	$99,606	$28,463	$71,143	$15,815,245
10	114	$99,606	$28,336	$71,270	$15,743,975
10	115	$99,606	$28,208	$71,398	$15,672,577
10	116	$99,606	$28,080	$71,526	$15,601,051
10	117	$99,606	$27,952	$71,654	$15,529,397
10	118	$99,606	$27,824	$71,783	$15,457,614
10	119	$99,606	$27,695	$71,911	$15,385,703
10	120	$99,606	$27,566	$72,040	$15,313,663
11	121	$99,606	$27,437	$72,169	$15,241,494
11	122	$99,606	$27,308	$72,298	$15,169,196
11	123	$99,606	$27,178	$72,428	$15,096,768
11	124	$99,606	$27,048	$72,558	$15,024,210
11	125	$99,606	$26,918	$72,688	$14,951,522
11	126	$99,606	$26,788	$72,818	$14,878,704
11	127	$99,606	$26,658	$72,948	$14,805,756
11	128	$99,606	$26,527	$73,079	$14,732,677
11	129	$99,606	$26,396	$73,210	$14,659,467
11	130	$99,606	$26,265	$73,341	$14,586,126
11	131	$99,606	$26,133	$73,473	$14,512,653
11	132	$99,606	$26,002	$73,604	$14,439,049
12	133	$99,606	$25,870	$73,736	$14,365,313
12	134	$99,606	$25,738	$73,868	$14,291,445
12	135	$99,606	$25,606	$74,001	$14,217,444
12	136	$99,606	$25,473	$74,133	$14,143,311
12	137	$99,606	$25,340	$74,266	$14,069,045
12	138	$99,606	$25,207	$74,399	$13,994,646
12	139	$99,606	$25,074	$74,532	$13,920,114
12	140	$99,606	$24,940	$74,666	$13,845,448
12	141	$99,606	$24,806	$74,800	$13,770,649
12	142	$99,606	$24,672	$74,934	$13,695,715
12	143	$99,606	$24,538	$75,068	$13,620,647
12	144	$99,606	$24,404	$75,202	$13,545,445
13	145	$99,606	$24,269	$75,337	$13,470,108
13	146	$99,606	$24,134	$75,472	$13,394,636
13	147	$99,606	$23,999	$75,607	$13,319,028
13	148	$99,606	$23,863	$75,743	$13,243,286
13	149	$99,606	$23,728	$75,878	$13,167,407
13	150	$99,606	$23,592	$76,014	$13,091,393
13	151	$99,606	$23,455	$76,151	$13,015,242
13	152	$99,606	$23,319	$76,287	$12,938,955
13	153	$99,606	$23,182	$76,424	$12,862,531
13	154	$99,606	$23,045	$76,561	$12,785,971
13	155	$99,606	$22,908	$76,698	$12,709,273
13	156	$99,606	$22,771	$76,835	$12,632,438
14	157	$99,606	$22,633	$76,973	$12,555,465
14	158	$99,606	$22,495	$77,111	$12,478,354
14	159	$99,606	$22,357	$77,249	$12,401,105
14	160	$99,606	$22,219	$77,387	$12,323,718
14	161	$99,606	$22,080	$77,526	$12,246,192
14	162	$99,606	$21,941	$77,665	$12,168,527
14	163	$99,606	$21,802	$77,804	$12,090,723
14	164	$99,606	$21,663	$77,943	$12,012,779
14	165	$99,606	$21,523	$78,083	$11,934,696
14	166	$99,606	$21,383	$78,223	$11,856,473
14	167	$99,606	$21,243	$78,363	$11,778,110
14	168	$99,606	$21,102	$78,504	$11,699,606
15	169	$99,606	$20,962	$78,644	$11,620,962
15	170	$99,606	$20,821	$78,785	$11,542,177
15	171	$99,606	$20,680	$78,926	$11,463,251
15	172	$99,606	$20,538	$79,068	$11,384,183
15	173	$99,606	$20,397	$79,209	$11,304,973
15	174	$99,606	$20,255	$79,351	$11,225,622
15	175	$99,606	$20,113	$79,493	$11,146,129
15	176	$99,606	$19,970	$79,636	$11,066,493
15	177	$99,606	$19,827	$79,779	$10,986,714
15	178	$99,606	$19,685	$79,921	$10,906,793
15	179	$99,606	$19,541	$80,065	$10,826,728
15	180	$99,606	$19,398	$80,208	$10,746,520
16	181	$99,606	$19,254	$80,352	$10,666,168
16	182	$99,606	$19,110	$80,496	$10,585,672
16	183	$99,606	$18,966	$80,640	$10,505,032
16	184	$99,606	$18,822	$80,785	$10,424,248
16	185	$99,606	$18,677	$80,929	$10,343,319
16	186	$99,606	$18,532	$81,074	$10,262,244
16	187	$99,606	$18,387	$81,220	$10,181,025
16	188	$99,606	$18,241	$81,365	$10,099,660
16	189	$99,606	$18,095	$81,511	$10,018,149
16	190	$99,606	$17,949	$81,657	$9,936,492
16	191	$99,606	$17,803	$81,803	$9,854,689
16	192	$99,606	$17,656	$81,950	$9,772,739
17	193	$99,606	$17,509	$82,097	$9,690,643
17	194	$99,606	$17,362	$82,244	$9,608,399
17	195	$99,606	$17,215	$82,391	$9,526,008
17	196	$99,606	$17,067	$82,539	$9,443,470
17	197	$99,606	$16,920	$82,686	$9,360,783
17	198	$99,606	$16,771	$82,835	$9,277,949
17	199	$99,606	$16,623	$82,983	$9,194,965
17	200	$99,606	$16,474	$83,132	$9,111,834
17	201	$99,606	$16,325	$83,281	$9,028,553
17	202	$99,606	$16,176	$83,430	$8,945,123
17	203	$99,606	$16,027	$83,579	$8,861,544
17	204	$99,606	$15,877	$83,729	$8,777,815
18	205	$99,606	$15,727	$83,879	$8,693,936
18	206	$99,606	$15,577	$84,029	$8,609,906
18	207	$99,606	$15,426	$84,180	$8,525,726
18	208	$99,606	$15,275	$84,331	$8,441,396
18	209	$99,606	$15,124	$84,482	$8,356,914
18	210	$99,606	$14,973	$84,633	$8,272,281
18	211	$99,606	$14,821	$84,785	$8,187,496
18	212	$99,606	$14,669	$84,937	$8,102,559
18	213	$99,606	$14,517	$85,089	$8,017,470
18	214	$99,606	$14,365	$85,241	$7,932,229
18	215	$99,606	$14,212	$85,394	$7,846,834
18	216	$99,606	$14,059	$85,547	$7,761,287
19	217	$99,606	$13,906	$85,700	$7,675,587
19	218	$99,606	$13,752	$85,854	$7,589,733
19	219	$99,606	$13,598	$86,008	$7,503,725
19	220	$99,606	$13,444	$86,162	$7,417,563
19	221	$99,606	$13,290	$86,316	$7,331,247
19	222	$99,606	$13,135	$86,471	$7,244,776
19	223	$99,606	$12,980	$86,626	$7,158,151
19	224	$99,606	$12,825	$86,781	$7,071,370
19	225	$99,606	$12,670	$86,936	$6,984,433
19	226	$99,606	$12,514	$87,092	$6,897,341
19	227	$99,606	$12,358	$87,248	$6,810,093
19	228	$99,606	$12,201	$87,405	$6,722,688
20	229	$99,606	$12,045	$87,561	$6,635,127
20	230	$99,606	$11,888	$87,718	$6,547,409
20	231	$99,606	$11,731	$87,875	$6,459,533
20	232	$99,606	$11,573	$88,033	$6,371,501
20	233	$99,606	$11,416	$88,190	$6,283,310
20	234	$99,606	$11,258	$88,348	$6,194,962
20	235	$99,606	$11,099	$88,507	$6,106,455
20	236	$99,606	$10,941	$88,665	$6,017,790
20	237	$99,606	$10,782	$88,824	$5,928,966
20	238	$99,606	$10,623	$88,983	$5,839,982
20	239	$99,606	$10,463	$89,143	$5,750,840
20	240	$99,606	$10,304	$89,302	$5,661,537
21	241	$99,606	$10,144	$89,462	$5,572,075
21	242	$99,606	$9,983	$89,623	$5,482,452
21	243	$99,606	$9,823	$89,783	$5,392,669
21	244	$99,606	$9,662	$89,944	$5,302,725
21	245	$99,606	$9,501	$90,105	$5,212,619
21	246	$99,606	$9,339	$90,267	$5,122,353
21	247	$99,606	$9,178	$90,428	$5,031,924
21	248	$99,606	$9,016	$90,590	$4,941,334
21	249	$99,606	$8,853	$90,753	$4,850,581
21	250	$99,606	$8,691	$90,915	$4,759,665
21	251	$99,606	$8,528	$91,078	$4,668,587
21	252	$99,606	$8,365	$91,241	$4,577,346
22	253	$99,606	$8,201	$91,405	$4,485,941
22	254	$99,606	$8,037	$91,569	$4,394,372
22	255	$99,606	$7,873	$91,733	$4,302,639
22	256	$99,606	$7,709	$91,897	$4,210,742
22	257	$99,606	$7,544	$92,062	$4,118,680
22	258	$99,606	$7,379	$92,227	$4,026,454
22	259	$99,606	$7,214	$92,392	$3,934,062
22	260	$99,606	$7,049	$92,557	$3,841,504
22	261	$99,606	$6,883	$92,723	$3,748,781
22	262	$99,606	$6,717	$92,889	$3,655,891
22	263	$99,606	$6,550	$93,056	$3,562,835
22	264	$99,606	$6,383	$93,223	$3,469,613
23	265	$99,606	$6,216	$93,390	$3,376,223
23	266	$99,606	$6,049	$93,557	$3,282,666
23	267	$99,606	$5,881	$93,725	$3,188,942
23	268	$99,606	$5,714	$93,893	$3,095,049
23	269	$99,606	$5,545	$94,061	$3,000,988
23	270	$99,606	$5,377	$94,229	$2,906,759
23	271	$99,606	$5,208	$94,398	$2,812,361
23	272	$99,606	$5,039	$94,567	$2,717,794
23	273	$99,606	$4,869	$94,737	$2,623,057
23	274	$99,606	$4,700	$94,906	$2,528,151
23	275	$99,606	$4,530	$95,076	$2,433,074
23	276	$99,606	$4,359	$95,247	$2,337,828
24	277	$99,606	$4,189	$95,417	$2,242,410
24	278	$99,606	$4,018	$95,588	$2,146,822
24	279	$99,606	$3,846	$95,760	$2,051,062
24	280	$99,606	$3,675	$95,931	$1,955,131
24	281	$99,606	$3,503	$96,103	$1,859,028
24	282	$99,606	$3,331	$96,275	$1,762,753
24	283	$99,606	$3,158	$96,448	$1,666,305
24	284	$99,606	$2,985	$96,621	$1,569,684
24	285	$99,606	$2,812	$96,794	$1,472,891
24	286	$99,606	$2,639	$96,967	$1,375,924
24	287	$99,606	$2,465	$97,141	$1,278,783
24	288	$99,606	$2,291	$97,315	$1,181,468
25	289	$99,606	$2,117	$97,489	$1,083,979
25	290	$99,606	$1,942	$97,664	$986,315
25	291	$99,606	$1,767	$97,839	$888,476
25	292	$99,606	$1,592	$98,014	$790,462
25	293	$99,606	$1,416	$98,190	$692,272
25	294	$99,606	$1,240	$98,366	$593,906
25	295	$99,606	$1,064	$98,542	$495,364
25	296	$99,606	$888	$98,718	$396,646
25	297	$99,606	$711	$98,895	$297,750
25	298	$99,606	$533	$99,073	$198,678
25	299	$99,606	$356	$99,250	$99,428
25	300	$99,606	$178	$99,428	$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$ 15,400,000
Agency Commission (HK$ )
Legal Fees (HK$ )

Stamp Duty (BSD)
Stamp Duty (SSD)

TOTAL	HK$ 15,785,000

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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.