踏入 2026 年第二季，香港樓市在多項利好因素交織下展現出新的格局，業主在考慮資產配置時，必須緊貼以下市場脈搏：
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雖然樓市正溫和回升，但整體樓價與 2021 年的高峰期相比，仍有一段距離。對於目前急需「資金周轉」的業主來說，現在是一個極其尷尬的時刻：如果選擇賣樓套現，隨時要蝕讓離場，直接損失首期及多年供款；但不賣樓，手頭現金流又日益緊絀，難以應付生意或生活開支。
If you need urgent funds (e.g., $1M–$2M) for business turnover or debt consolidation, selling is often the worst move:
在這種「想守但守唔住」的困局下，「樓宇加按」成為了許多聰明業主的救生圈。與其在低位蝕讓幾十萬賣樓，不如透過物業再融資借幾十萬周轉。這方法讓您可以繼續保留業權，渡過眼前的財務難關，等待減息效應完全發酵、樓價進一步反彈時，真正做到「財息兼收」。
「物業加按」或「樓宇加按套現」（Top-up Mortgage / Cash-out Refinancing），是指業主將尚未供滿（或已供滿）的物業，向現有的按揭機構或新的財務機構，申請增加貸款額。
簡單來說，就是利用物業過去幾年的「升值空間」，或是您這幾年已經「償還的本金」，重新向機構借出來變成現金。這筆套現的資金用途非常廣泛，您可以自由用於生意周轉、清還高息卡數、支付子女海外升學費用，甚至作為購買下一層樓的首期。
在考慮套現時，市場上主要有三種做法：留在原銀行的「加按」、保留一按額外借款的「二按」，以及將整筆按揭轉移陣地的「轉按」。
若您想了解這三種套現方式的詳細利弊與適用情境，請立即參考我們的： [二按、轉按、加按分別與套現指南]
許多業主以為只要一直準時供樓，原銀行就一定會輕易批出加按。但在 2026 年的審慎審批環境下，銀行加按存在兩大死穴：
假設您的物業現值 600 萬，尚欠銀行 200 萬。銀行最高只能借出 7 成（即 420 萬）。扣除舊債後，您最多可套現 220 萬。但前提是，您的家庭總月入必須通過高達 4 萬至 5 萬的嚴格壓力測試。
When banks close the door on top-up mortgages, the property loan solutions offered by GICL Global Credit can bridge your funding gap:
| Comparison Item | 🏦 Traditional Banks (Refinancing) | 🌐 GICL (Second Mortgage Cash-out) |
| Property Valuation | Conservative (Heavily tied to recent transactions) | Aggressive & Flexible (Considers long-term value & potential) |
| Income review | Extremely strict; Stress test required | No income proof or financial statements required |
| Approval Speed | Takes 1 to 2 months | Preliminary approval as fast as 24 hours |
| TU Impact | Refinancing records are reported to TU | GICL loans do not affect your existing bank credit rating |
💡 GICL 環球信貸樓宇按揭套現特點：
若選擇 GICL 的方案，我們不僅能填補銀行的估價差額，更提供極具彈性的還款期。您只需利用物業的剩餘價值，無需驚動原有的一按銀行，便能輕鬆獲取大額流動資金。
⏳ 資金周轉刻不容緩，銀行手續卻要等足一個月？
無論您是無固定底薪的自僱人士、報表出現虧損的中小企老闆，或是 TU 信貸評級稍有瑕疵，GICL 環球信貸的「免入息、免壓測」物業套現方案都能為您解決燃眉之急。
決定不蝕讓賣樓後，最關心的自然是加按成本。在 2026 年的按揭政策下：
無論物業價值多少（即使是 1,500 萬以上的豪宅），加按的最高按揭成數均可高達 7 成。
多數機構的加按利息會與首按相若。若涉及轉移機構，市場上普遍的 H 按封頂位約維持在 3.875% – 4.125% 之間（若想了解更深入的 H按與 P按比較，請參考我們的 [按揭比較2026：最新銀行利率與回贈] 專頁）。
除了常見的私人屋苑，居屋（需補地價）、村屋、唐樓甚至車位，只要具有剩餘價值，均符合申請加按套現的資格。
市場上部分機構會提供 0.5% 至 1% 的現金回贈。而若選擇 GICL 環球信貸的指定套現方案，更可尊享豁免律師費的獨家優惠，大幅降低您的套現成本！
💡 想知您的物業現時可套現幾多？
不受銀行保守估價限制！GICL 提供免費、進取的專業物業估價服務，並設有專屬按揭計算機。只需 1 分鐘，立即了解您的專屬套現額度及利息回贈優惠。
Background
Mr. Chan owns a 30-year-old apartment in Tsuen Wan, bought in 2018 for $6M. Current bank valuation dropped to $5.2M, with $2.5M outstanding.
His trading company urgently needed $1.5M due to shipping delays.
Challenges:
He applied for a top-up, but the bank rejected him due to the price drop and business losses. Selling the property would leave him with almost nothing and no home.
GICL Solution:
We recognized the prime location and used an "income-proof-free" assessment
Ultimately approving a $1.6M Second Mortgage
Valuation Calculation: GICL Valuation of $5.5 million x 75% Loan-to-Value (LTV) Ratio = $4.125 million. Deducting the first mortgage of $2.5 million, the available credit limit reaches $1.625 million.
Result：Mr. Chan saved his business without losing his home. He plans to repay by year-end using GICL’s "no early repayment penalty" clause.
A：Yes. While banks may refuse, GICL uses flexible standards. As long as there is equity, we can provide cash-out solutions.
A：No. GICL operates independently. We don't require your title deed or notify your 1st mortgage bank, ensuring high privacy.
A：No. Funds can be used for business, renovations, education, or debt repayment.
A：Preliminary approval within 24 hours; drawdown as fast as the 2nd working day.
A：不需要。若您申請的是二按套現，我們不會要求您交出樓契，亦不會主動通知您的一按銀行，確保過程高度保密。
A：傳統加按需要物業有「正淨值」。但如果您的物業有其他擔保人，或您名下有其他資產，GICL 的專業顧問仍可為您度身訂造其他私人或企業融資方案。
A：GICL 環球信貸提供極具彈性的還款方案，部分計劃支援隨時提早還款而免收罰息（具體以合約條款為準），讓您資金回籠後能立即減輕利息負擔。
GICL’s Promises:
✅ No income proof or financial statements required
✅ Approval and drawdown in as fast as 24 hours
✅ Standby credit line — interest is only charged on the amount you use
✅ No penalty for early repayment (subject to contract terms)
✅Does not affect original bank credit rating(TU)
👉 Contact GICL now for a free assessment! WhatsApp GICL！
📞 Call 2111 0998
Online Apply︰https://gicl.com.hk/
GICL | Money Lender's Licence No.: 82/2026, 0403/2025, 1916/2025 | Turn your property value into fast cash
Disclaimer: The cases contained herein are shared with the consent of our clients, with certain details anonymized to protect privacy. Warning: You have to repay your loans. Don't pay any intermediaries! GICL reminds you to borrow responsibly and manage your personal finances wisely.
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