金融界專業人士 幫我計下買樓 做二按

Premises Price = HK$1,200,000.00
5% Downpayment = HK$60,000.00
1% Commission = HK$12,000.00
Stamp Duty = HK$100.00
Legal Cost = HK$3,000.00
Total Lump Sum Cost = HK$75,100.00

Outstanding Balance = HK$1,140,000.00
Assume Mortgage Interest Rate = 3% p.a.

Mortgage Tenor = 30yrs
3.98% Mortgage Insurance = HK$45,372.00
Loan = HK$1,185,372.00
Monthly Repayment = HK$4997.58

Mortgage Tenor = 25yrs
3.78% Mortgage Insurance = HK$43,092.00
Loan = HK$1,183,092.00
Monthly Repayment = HK$5,610.36

Mortgage Tenor = 20yrs
3.38% Mortgage Insurance = HK$38,532.00
Loan = HK$1,178,532.00
Monthly Repayment = HK$6,536.11

Mortgage Tenor = 15yrs
2.88% Mortgage Insurance = HK$32,832.00
Loan = HK$1,172,832.00
Monthly Repayment = HK$8,099.36

Mortgage Tenor = 10yrs
2.48% Mortgage Insurance = HK$28,272.00
Loan = HK$1,168,272.00
Monthly Repayment = HK$11,280.92