HN charge the recommended retail price. The C5060WZ cost S$1400+ and you can get it less than that in any photo retail shop.
Installment? You ended up paying a bomb. Why not use your credit card pay for the purchase at, for eg., Cathay Photo. Then use credit facilities to pay back to your credit card after 30 days. You pay less interest than by installment from HN.
Extended warrant? Don't buy the idea. My neighbour DVD Recorder went bust and he cannot get back the original model, instead was offered the next model at the fraction of price he paid.
Like they said, electronics gadget change by the time you fully understand their function.