Mortgage Loan - "Smart" Mortgage Scheme Loan Amount (HKD) Phase One Instalment "Smart" Mortgage Scheme General Mortgage Scheme Interest Rate (%) Repayment Period (Years) Annual interest rate on savings account (%) Phase Two Instalment (If applicable) "Smart" Mortgage Scheme General Mortgage Scheme Interest Rate (%) (Optional) Repayment Period (Years) (Optional) Annual interest rate on savings account (%) (Optional) "Smart" Mortgage Deposit Account / General Savings Account Deposit Amount upon Loan Drawdown Date (HKD) Extra Monthly Deposits (HKD)   The above calculation adopts a day-to-day interest basis and assumes that calculating interest starts from 1st January. All the information is for reference only.