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<calculator>
 
 <conditionalVariables enabled="true" debug="false">
 <InterestRate result="7.09" field1="LoanAmount" symbol1="lt" value1="500000" />
 <InterestRate result="6.89" field1="LoanAmount" symbol1="ge" value1="500000" field2="LoanAmount" symbol2="lt" value2="750000" />
 <InterestRate result="6.89" field1="LoanAmount" symbol1="ge" value1="750000" field2="LoanAmount" symbol2="lt" value2="1500000" />
 <InterestRate result="6.84" field1="LoanAmount" symbol1="ge" value1="1500000" />
 </conditionalVariables>
 <components>
 <homeLoanPanel title="My HSBC Home Loan" />
 </components>
 <graph>
 <hoverSettings>
 <revertToDefault boolean="true" />
 <defaultIndex value="12" />
 </hoverSettings>
 <debug boolean="false" />
 <maxYroundUpTo value="50" />
 
 </graph>
 <variables>
 <InterestRate default="6.79" />
 <InterestRate2 default="3.85" />
 <LoanAmount value="0" min="0" />
 <LoanTerm min="1" value="30" />
 <Loan1TableHeading value="Loan 1 P+I" />
 <Loan2TableHeading value="Loan 2 P+I" />
 <LoanComparisonResultHeadingPostfix value="P+I" />
 <AssumptionText type="cdata"><![CDATA[Calculator InformationThe Loan Comparison Calculator calculates the total amounts payable under two alternative loans and then provides the comparative amount saved by using the lower cost loan. The two loans allow for the entry of different expense amounts, both initial and ongoing (either monthly, fortnightly or weekly frequency as entered). In addition, the two loans allow for the entry of different interest rates and terms, with different ongoing interest rates for the balance of the loan term. The calculation is done based on Principle and Interest loan with monthly repayment frequency (by default) with respect to the amount entered. Calculator AssumptionsLength of Month All months are assumed to be of equal length. In reality, many loans accrue on a daily basis leading to a varying number of days' interest dependent on the number of days in the particular month. Number of Weeks &amp; Fortnights in a Year One year is assumed to contain exactly 52 weeks or 26 fortnights. This implicitly assumes that a year has 364 days rather than the actual 365 or 366. Rounding of Amount of Each Repayment In practice, repayments are rounded to at least the nearer cent. However the calculator uses the unrounded repayment to derive the amount of interest payable at points along the graph and in total over the full term of the loan. This assumption allows for a smooth graph and equal repayment amounts. Note that the final repayment after the increase in repayment amount will be a partial repayment as required to reduce the loan balance to zero. Amounts of Totals Payable under each Loan The website calculator quotes Total Amounts Payable under each loan that are rounded to the nearer dollar, after basing the calculations on unrounded repayment amounts. Amount of Saving under Lower Cost Loan The calculation of the amount of repayments saved under the lower cost loan is based on unrounded payment amounts. The amount saved is quoted in dollars and cents, not rounded to the nearer dollar.]]></AssumptionText>
 </variables>
 <vos>
 <loanComparison>
 <LoanTerm min="1" max="30" />
 <LoanType type="list">Variable,Fixed</LoanType>
 <LoanType2 type="list">Variable,Fixed</LoanType2>
 <LoanType type="list" value="Variable,Fixed" />
 <MonthlyFees type="num" max="100" default="20" min="0" step="10" />
 <MonthlyFees2 type="num" max="100" default="20" min="0" step="10" />
 <MonthlyFeeSliderStepRanges value="0,100,10000" />
 <MonthlyFeeSliderStepValues value="10,500" />
 <MonthlyFeeInputMax value="10000" />
 <UpfrontFees2 type="num" default="0" min="0" step="100" />
 <MonthlyFees2 type="num" default="0" min="0" step="10" />
 <Loan1Label type="string" value="Your Current Home Loan" />
 <Loan2Label type="string" value="Home Value Loan" />
 <Loan1TableHeading type="string" value="Loan 1" />
 <Loan2TableHeading type="string" value="Loan 2" />
 <LoanComparisonResultHeadingPostfix type="string" value="" />
 <LoanTypeForm label="Loan Type" />
 <LoanType2Form label="Loan Type" />
 <InterestRateForm label="Interest Rate" />
 <InterestRate2Form label="Interest Rate" />
 <FixedPeriodForm label="Fixed Term" />
 <FixedPeriod2Form label="Fixed Term" />
 <FixedRateForm label="Fixed Rate" />
 <FixedRate2Form label="Fixed Rate" />
 <IntroPeriodForm label="Intro Term" />
 <IntroPeriod2Form label="Intro Term" />
 <IntroRateForm label="Intro Rate" />
 <IntroRate2Form label="Intro Rate" />
 <OngoingRateForm label="Ongoing Rate" />
 <OngoingRate2Form label="Ongoing Rate" />
 <UpfrontFeesForm label="Upfront Fees" />
 <UpfrontFees2Form label="Establishing Fees" />
 <MonthlyFeesForm label="Monthly Fees" />
 <MonthlyFees2Form label="Monthly Fees" />
 <LoanAmountForm label="Loan Amount" />
 <LoanTermForm label="Loan Term" />
 <RepaymentsForm label="Repayment Frequency" />
 </loanComparison>
 </vos>
</calculator>

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