I have given this all some further thought and now can see that with the Australian dollar so high that it would not be in ones best interest to borrow Chinese Yuan to fund the purchase. I expect the Aust., dollar to fall in the medium term.
Once the Australian dollar returns to more historical norm levels, (at least back to USD.0.80) if I had borrowed CNY then I've lost the benefit of the appreciating Chinese currency, actually it would all be working against me.
I can put together the 20% deposit – to secure financing in Australia.