{"id":1474,"date":"2026-04-01T04:58:22","date_gmt":"2026-04-01T04:58:22","guid":{"rendered":"https:\/\/gicl.com.hk\/?p=1474"},"modified":"2026-04-09T02:10:02","modified_gmt":"2026-04-08T18:10:02","slug":"%e7%89%a9%e6%a5%ad%e8%bd%89%e6%8c%89%e5%a5%97%e7%8f%be%e6%af%94%e8%bc%832026%ef%bc%9a%e6%8b%86%e8%a7%a3%e5%88%a9%e7%8e%87%e3%80%81%e5%9b%9e%e8%b4%88%e5%84%aa%e6%83%a0%e8%88%87%e9%9a%b1%e8%97%8f","status":"publish","type":"post","link":"https:\/\/gicl.com.hk\/en\/%e7%89%a9%e6%a5%ad%e8%bd%89%e6%8c%89%e5%a5%97%e7%8f%be%e6%af%94%e8%bc%832026%ef%bc%9a%e6%8b%86%e8%a7%a3%e5%88%a9%e7%8e%87%e3%80%81%e5%9b%9e%e8%b4%88%e5%84%aa%e6%83%a0%e8%88%87%e9%9a%b1%e8%97%8f\/","title":{"rendered":"\u7269\u696d\u8f49\u6309\u5957\u73fe\u6bd4\u8f032026\uff1a\u62c6\u89e3\u5229\u7387\u3001\u56de\u8d08\u512a\u60e0\u8207\u96b1\u85cf\u6210\u672c"},"content":{"rendered":"<div class=\"wp-block-group gicl-post2\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<p>When the penalty period ends, many property owners consider remortgaging, hoping to earn cash rebates or enjoy lower mortgage interest rates by \"switching banks.\" However, the market is flooded with various remortgage offers\u2014are the surface numbers really the most cost-effective?<\/p>\n\n\n\n<p class=\"translation-block\">This article provides <strong>the latest 2026 refinancing cash-out comparison<\/strong>, deeply <strong>decoding the interest rate trends of traditional banks' \"H-rate vs. P-rate\" and the calculation traps of cash rebates<\/strong>. We will also teach you <strong>how to calculate the true hidden costs of refinancing to help you find the best cash-out solution.<\/strong><\/p>\n\n\n\n<p>  \u60f3\u4e86\u89e3\u8f49\u6309\u7684\u5b8c\u6574\u7533\u8acb\u6d41\u7a0b\u53ca\u514d\u58d3\u6e2c\u8981\u6c42\uff1f\u8acb\u95b1\u8b80\uff1a<a href=\"https:\/\/gicl.com.hk\/en\/mortgage-refinancing-guide-2026\/\">2026 \u6a13\u5b87\u8f49\u6309\u5168\u653b\u7565<\/a><\/p>\n\n\n\n<p>Table of Contents:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"#rate-2026-p-h\">2026 Latest Remortgage Interest Rate Trends: P-Rate vs. H-Rate<\/a><\/li>\n\n\n\n<li><a href=\"#cashback-traps\">Decoding the Calculation Traps of Bank \"Remortgage Rebates\"<\/a><\/li>\n\n\n\n<li><a href=\"#refi-hidden-costs\">Hidden Costs Comparison: Remortgage Legal Fees and Valuation Fees<\/a><\/li>\n\n\n\n<li><a href=\"#gicl-time-advantage\">Practical Calculation Chart: The \"Time Cost\" Advantage of GICL's Remortgage Offers<\/a><\/li>\n\n\n\n<li><a href=\"#faq-refinance-compare\">Remortgage FAQ<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"rate-2026-p-h\">2026 Latest Remortgage Interest Rate Trends: P-Rate vs. H-Rate<\/h2>\n\n\n\n<div class=\"wp-block-group gicl-summary-box\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p><strong>Key Takeaways<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8f49\u6309\u6bd4\u8f03\u9996\u770b\u5229\u7387\uff1a\u5e02\u5834\u4ee5 H\u6309\u3001P\u6309 \u70ba\u4e3b\u3002<\/li>\n\n\n\n<li>2026 \u5e74\u5169\u8005\u5be6\u969b\u606f\u7387\u5340\u9593\u76f8\u8fd1\uff0c\u9078\u64c7\u8996\u4e4e\u5c0d\u62c6\u606f\u6ce2\u52d5\u7684\u504f\u597d\u3002<\/li>\n\n\n\n<li>\u9280\u884c\u4f4e\u606f\u8f49\u6309\u901a\u5e38\u9808\u901a\u904e\u58d3\u529b\u6e2c\u8a66\u53ca\u9f4a\u5168\u5165\u606f\u8b49\u660e\u3002<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>When comparing refinancing options, the interest rate is the first thing to look at. Currently, banks in the market primarily offer two types of mortgage plans:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\"H-Rate\" (HIBOR Mortgage):<\/strong>\uff1a2026 \u6982\u6cc1\uff1a\u5927\u90e8\u5206\u9280\u884c\u63d0\u4f9b H+1.3% \u7684\u8a08\u5283\uff0c\u5be6\u969b\u5c01\u9802\u606f\u7387\u7d04\u7dad\u6301\u5728 3.875% &#8211; 4.125% \u4e4b\u9593\u3002\u82e5\u9810\u671f\u7f8e\u570b\u6301\u7e8c\u6e1b\u606f\uff0cH \u6309\u6703\u662f\u8f03\u53d7\u6b61\u8fce\u7684\u9078\u64c7\u3002<\/li>\n\n\n\n<li><strong>\"P-Rate\" (Prime Rate Mortgage):<\/strong>\uff1a2026 \u6982\u6cc1\uff1a\u5be6\u969b\u5229\u7387\u901a\u5e38\u8207 H \u6309\u7684\u5c01\u9802\u4f4d\u76f8\u540c\uff08\u7d04 3.875% &#8211; 4.125%\uff09\u3002\u5176\u512a\u52e2\u5728\u65bc\u4f9b\u6b3e\u76f8\u5c0d\u7a69\u5b9a\uff0c\u4e0d\u53d7\u77ed\u671f\u62c6\u606f\u6ce2\u52d5\u5f71\u97ff\u3002<\/li>\n<\/ol>\n\n\n\n<p>Note: To apply for the above low-interest remortgages from banks, the prerequisite is passing an extremely strict \"+3% Stress Test\" and providing complete income proof (tax returns\/payslips).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cashback-traps\">Decoding the Calculation Traps of Bank \"Remortgage Rebates\"<\/h2>\n\n\n\n<div class=\"wp-block-group gicl-summary-box\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p><strong>Key Takeaways<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u56de\u8d08\u770b\u4f3c\u5438\u5f15\uff0c\u4f46\u5e38\u6709\u6263\u6e1b\u3001\u9580\u6abb\u8207\u5be9\u6279\u6642\u9593\u6210\u672c\u3002<\/li>\n\n\n\n<li>\u8d85\u904e\u91d1\u7ba1\u5c40\u300c1%\u300d\u898f\u5b9a\u7684\u56de\u8d08\u53ef\u80fd\u9808\u5f9e\u8cb8\u6b3e\u984d\u6263\u6e1b\u3002<\/li>\n\n\n\n<li>\u6700\u9ad8\u56de\u8d08\u591a\u6578\u53ea\u9069\u7528\u65bc\u5927\u984d\u8cb8\u6b3e\u5ba2\u3002<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p class=\"translation-block\">To attract customers, banks offer remortgage cash rebates. In early 2026, <strong>the rebate rates of some banks rebounded to 0.5% to 1% of the loan amount.<\/strong> However, property owners must watch out for the following 3 traps:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u300c1% \u9650\u5236\u300d\u6263\u6e1b\u8cb8\u6b3e\u984d\uff1a\u6839\u64da\u91d1\u7ba1\u5c40\u898f\u5b9a\uff0c\u82e5\u8f49\u6309\u73fe\u91d1\u56de\u8d08\u8d85\u904e\u8cb8\u6b3e\u984d\u7684 1%\uff0c\u8a72\u7b46\u56de\u8d08\u4e0d\u80fd\u300c\u76f4\u63a5\u843d\u888b\u300d\uff0c\u5fc5\u9808\u5f9e\u7e3d\u8cb8\u6b3e\u984d\u4e2d\u6263\u6e1b\u3002<\/li>\n\n\n\n<li>\u6975\u9ad8\u9580\u6abb\uff1a\u9280\u884c\u6a19\u699c\u7684\u6700\u9ad8\u56de\u8d08\u7387\uff08\u5982 1%\uff09\uff0c\u901a\u5e38\u53ea\u9650\u65bc\u8cb8\u6b3e\u984d\u9054 800 \u842c\u6216\u4ee5\u4e0a\u7684\u300c\u5927\u5ba2\u300d\u3002\u82e5\u53ea\u8f49\u6309\u501f 300 \u842c\uff0c\u56de\u8d08\u53ef\u80fd\u53ea\u6709 0.2% \u751a\u81f3\u96f6\u3002<\/li>\n\n\n\n<li>\u5be9\u6279\u9700\u6642\uff1a\u70ba\u4e86\u8cfa\u53d6\u9019\u7b46\u56de\u8d08\uff0c\u4f60\u5fc5\u9808\u5fcd\u53d7\u9280\u884c\u9577\u9054 1 \u81f3 2 \u500b\u6708\u7684\u7e41\u8907\u5165\u606f\u5be9\u67e5\u3002<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"refi-hidden-costs\">Hidden Costs Comparison: Remortgage Legal Fees and Valuation Fees<\/h2>\n\n\n\n<div class=\"wp-block-group gicl-summary-box\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p><strong>Key Takeaways<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8f49\u6309\u9664\u5229\u7387\u5916\uff0c\u9808\u8a08\u5165\u5f8b\u5e2b\u8cbb\u3001\u4f30\u50f9\u8cbb\u7b49\u671f\u521d\u958b\u652f\u3002<\/li>\n\n\n\n<li>\u82e5\u56de\u8d08\u4e0d\u8db3\u4ee5\u62b5\u92b7\u6210\u672c\uff0c\u8f49\u6309\u53ef\u80fd\u5f97\u4e0d\u511f\u5931\u3002<\/li>\n\n\n\n<li>\u53ef\u6bd4\u8f03\u9280\u884c\u8207\u8ca1\u52d9\u516c\u53f8\u300c\u5168\u5305\u300d\u512a\u60e0\u7684\u5be6\u969b\u6de8\u7bc0\u7701\u3002<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>When executing a cash-out refinance, never ignore the \"initial expenses.\" If the rebate earned from refinancing is not enough to offset the following hidden costs, the move might not be worth it:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5f8b\u5e2b\u8cbb\uff1a\u8f49\u6309\u6d89\u53ca\u91cd\u65b0\u7c3d\u8a02\u6a13\u5951\u62b5\u62bc\u6587\u4ef6\uff0c\u5f8b\u5e2b\u8cbb\u4e00\u822c\u9700 HK$6,000 \u81f3 HK$10,000\u3002<\/li>\n\n\n\n<li>\u7269\u696d\u4f30\u50f9\u8cbb\uff1a\u90e8\u5206\u9280\u884c\u6703\u5411\u8f49\u6309\u5ba2\u6536\u53d6\u6e2c\u91cf\u5e2b\u884c\u7684\u4f30\u50f9\u5831\u544a\u8cbb\u7528\u3002<\/li>\n<\/ul>\n\n\n\n<p><strong>GICL \u74b0\u7403\u4fe1\u8cb8\u7684\u5be6\u8cea\u91d1\u9322\u56de\u5831<\/strong><\/p>\n\n\n\n<p>\u8207\u5176\u8ffd\u6c42\u9580\u6abb\u6975\u9ad8\u4e14\u9700\u6263\u6e1b\u7684\u9280\u884c\u56de\u8d08\uff0c\u4e0d\u5982\u9078\u64c7 GICL \u74b0\u7403\u4fe1\u8cb8\u3002\u6211\u5011\u70ba\u5408\u8cc7\u683c\u8f49\u6309\u5ba2\u6236\u63d0\u4f9b\u300c\u5168\u514d\u624b\u7e8c\u8cbb\u3001\u514d\u5f8b\u5e2b\u8cbb\u53ca\u514d\u4f30\u50f9\u8cbb\u300d\u7684\u5be6\u8cea\u512a\u60e0\u3002\u9019\u80fd\u76f4\u63a5\u70ba\u4f60\u7701\u4e0b\u8d85\u904e\u842c\u5143\u7684\u771f\u91d1\u767d\u9280\uff01<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"gicl-time-advantage\">\u5be6\u6230\u8a08\u7b97\u5716\u8868\uff1aGICL \u74b0\u7403\u4fe1\u8cb8\u8f49\u6309\u512a\u60e0\u7684\u300c\u6642\u9593\u6210\u672c\u300d\u512a\u52e2<\/h2>\n\n\n\n<div class=\"wp-block-group gicl-summary-box\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p><strong>Key Takeaways<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u9664\u606f\u7387\u5916\uff0c\u5be9\u6279\u8207\u653e\u6b3e\u901f\u5ea6\u6703\u5f71\u97ff\u751f\u610f\u8207\u5468\u8f49\u6642\u6a5f\u3002<\/li>\n\n\n\n<li>\u671f\u521d\u8cbb\u7528\u8207\u63d0\u65e9\u9084\u6b3e\u689d\u6b3e\u6703\u6539\u8b8a\u300c\u7e3d\u6210\u672c\u300d\u3002<\/li>\n\n\n\n<li>\u5b9c\u4ee5 6 \u500b\u6708\u7b49\u77ed\u4e2d\u671f\u60c5\u5883\u8a66\u7b97\u6de8\u6210\u672c\u3002<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>\u8a31\u591a\u505a\u751f\u610f\u7684\u8001\u95c6\u6703\u554f\uff1a\u300c\u8ca1\u52d9\u516c\u53f8\u7684\u8f49\u6309\u5229\u7387\u6bd4\u9280\u884c\u9ad8\uff0c\u70ba\u4ec0\u9ebc\u6211\u9084\u8981\u9078\u64c7\u74b0\u7403\u4fe1\u8cb8\uff1f\u300d<strong>\u7b54\u6848\u5728\u65bc\u300c\u6642\u9593\u6210\u672c\u8207\u7f70\u606f\u5f48\u6027\u300d<\/strong>\u3002<\/p>\n\n\n\n<p>[Scenario]: You urgently need HK$5 million for business turnover (purchasing inventory) and expect the capital to return in 6 months.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Comparison Item<\/th><th>\u9078\u64c7\u50b3\u7d71\u9280\u884c\u8f49\u6309<\/th><th>\u9078\u64c7 GICL \u8f49\u6309\u5957\u73fe<\/th><\/tr><\/thead><tbody><tr><td>Approval &amp; Drawdown Time<\/td><td class=\"translation-block\">Up to 1 to 2 months (Risk missing out on inventory and business opportunities)<\/td><td class=\"translation-block\"><strong>As fast as 24 hours to 3 days <\/strong>(Instantly lock in business deals, cash in hand lightning fast)<\/td><\/tr><tr><td>Initial Hidden Expenses<\/td><td>Must pay legal &amp; valuation fees<br><em>(Approx. HK$10,000)<\/em><\/td><td><strong>Waived legal, valuation, and handling fees<\/strong><br><em>(Instantly save HK$10,000)<\/em><\/td><\/tr><tr><td>Early Repayment Terms (At Month 6)<\/td><td>\u6975\u5927\u7f70\u606f\u4ee3\u50f9\u9700\u9000\u9084\u6240\u6709\u56de\u8d08\uff0c\u4e26\u652f\u4ed8\u8cb8\u6b3e\u984d 2% \u7684\u7f70\u606f<\/td><td><strong>Penalty-Free Early Repayment Plan<\/strong>Repay the principal at any time, flexibly controlling your interest expenses.<\/td><\/tr><tr><td>Conclusion (6-Month Cost)<\/td><td><strong>Penalty could reach up to HK$100,000 +<\/strong> Interest<\/td><td><strong>No penalty.<\/strong>The business profit earned far exceeds the interest rate difference.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>  \u7cbe\u660e\u7684\u696d\u4e3b\u90fd\u6703\u8a08\u7b97\u771f\u6b63\u7684\u300c\u7e3d\u6210\u672c\u300d\u3002\u7acb\u5373\u4f7f\u7528\u6211\u5011\u7684 <a href=\"https:\/\/gicl.com.hk\/en\/\">\u6309\u63ed\u8a08\u7b97\u5668<\/a> \u6bd4\u8f03\u300c\u6de8\u4f9b\u606f\u300d\u8207\u300c\u4f9b\u606f\u4f9b\u672c\u300d\u7684\u6bcf\u6708\u958b\u652f\uff01<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq-refinance-compare\">Remortgage FAQ<\/h2>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-1&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h4 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-1-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-1\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Q1: \u8f49\u6309\u6700\u9ad8\u53ef\u501f\u591a\u5c11\u6210\u6578\uff1f<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h4>\n\n\n\n<div inert aria-labelledby=\"accordion-item-1\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-1-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>A: \u82e5\u5411\u50b3\u7d71\u9280\u884c\u7533\u8acb\uff0c\u51fa\u79df\u7269\u696d\u6216\u81ea\u4f4f\u7269\u696d\u7684\u8f49\u6309\u6210\u6578\u4e0a\u9650\u5747\u70ba 7 \u6210\uff08\u9664\u975e\u7b26\u5408\u6309\u4fdd\u689d\u4ef6\u53ef\u9054 9 \u6210\uff09\u3002\u82e5\u5411 GICL \u74b0\u7403\u4fe1\u8cb8\u7533\u8acb\u8f49\u6309\u5957\u73fe\uff0c\u6210\u6578\u9ad8\u9054\u7269\u696d\u4f30\u503c\u7684 8 \u6210\uff0c\u52a9\u4f60\u91cb\u653e\u66f4\u591a\u8cc7\u91d1\u3002<\/p>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-2&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h4 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-2-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-2\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Q2: \u5982\u679c\u6211\u7684\u7269\u696d\u4f30\u50f9\u4e0d\u8db3\uff0c\u9084\u80fd\u8f49\u6309\u55ce\uff1f<\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h4>\n\n\n\n<div inert aria-labelledby=\"accordion-item-2\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-2-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>A: \u9280\u884c\u7684\u4f30\u50f9\u7cfb\u7d71\u8f03\u4fdd\u5b88\uff0c\u4f30\u50f9\u4e0d\u8db3\u5f80\u5f80\u5c0e\u81f4\u8f49\u6309\u5931\u6557\u3002GICL \u7684\u5c08\u696d\u5718\u968a\u6703\u53c3\u8003\u7269\u696d\u5be6\u969b\u6f5b\u529b\uff0c\u63d0\u4f9b\u66f4\u8cbc\u5e02\u3001\u66f4\u9032\u53d6\u7684\u4f30\u50f9\uff0c\u5373\u4f7f\u662f\u6a13\u9f61\u8f03\u9ad8\u7684\u5510\u6a13\u6216\u6751\u5c4b\u4ea6\u53ef\u9806\u5229\u8f49\u6309\u3002<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Get Your Free Refinancing Assessment Now<\/h2>\n\n\n\n<p>\u60f3\u77e5\u9053\u8f49\u6309\u5f8c\u6bcf\u6708\u80fd\u6173\u591a\u5c11\u606f\uff1f\u7269\u696d\u53c8\u80fd\u5957\u73fe\u591a\u5c11\u8cc7\u91d1\uff1f\u7acb\u5373\u806f\u7d61 GICL \u74b0\u7403\u4fe1\u8cb8\uff0c\u6211\u5011\u7684\u6309\u63ed\u5c08\u54e1\u5c07\u70ba\u60a8\u63d0\u4f9b\u6700\u7cbe\u6e96\u7684\u6578\u5b57\u5206\u6790\u3002<\/p>\n\n\n\n<p>GICL\u2019s Promises:<\/p>\n\n\n\n<p>\u2705 No income proof or financial statements required<\/p>\n\n\n\n<p>\u2705 Approval and drawdown in as fast as 24 hours<\/p>\n\n\n\n<p>\u2705 Standby credit line \u2014 interest is only charged on the amount you use<\/p>\n\n\n\n<p>\u2705 No penalty for early repayment (subject to contract terms)<\/p>\n\n\n\n<p>\u2705 Does not affect your existing bank credit rating (TU Report)<\/p>\n\n\n\n<p>Want to know the maximum amount you can cash out from your property?<\/p>\n\n\n\n<p>\u60f3\u5373\u6642\u4e86\u89e3\u53ef\u6279\u984d\u5ea6\u8207\u53ef\u884c\u65b9\u6848\uff1f  <a href=\"\/en\/WhatsApp GICL\/\" target=\"_blank\" rel=\"noopener\">WhatsApp \u806f\u7d61 GICL \u6309\u63ed\u9867\u554f\uff08\u514d\u8cbb\u521d\u6b65\u8a55\u4f30\uff09<\/a><\/p>\n\n\n\n<p>  \ud83d\udcde Call Now: 2111 0998<\/p>\n\n\n\n<p>  \u7db2\u4e0a\u514d\u8cbb\u7269\u696d\u4f30\u50f9\uff1a<a href=\"https:\/\/gicl.com.hk\/en\/\">https:\/\/gicl.com.hk\/<\/a><\/p>\n\n\n\n<p>GICL | Money Lender's Licence No.: 82\/2026, 0403\/2025, 1916\/2025 | Turn your property value into fast cash<\/p>\n\n\n\n<p>\u8072\u660e\uff1a\u672c\u6587\u6240\u8f09\u6848\u4f8b\u5747\u7d93\u5ba2\u6236\u540c\u610f\u5206\u4eab\uff0c\u90e8\u5206\u7d30\u7bc0\u5df2\u4f5c\u533f\u540d\u8655\u7406\u4ee5\u4fdd\u969c\u79c1\u96b1\u3002<\/p>\n\n\n\n<p>Warning: You have to repay your loans. Don't pay any intermediaries! GICL reminds you to borrow rationally and manage your personal finances properly.<\/p>\n\n\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>\u7576\u7f70\u606f\u671f\u7d50\u675f\uff0c\u8a31\u591a\u696d\u4e3b\u90fd\u6703\u8003\u616e\u9032\u884c\u7269\u696d\u8f49\u6309\uff0c\u5e0c\u671b\u900f\u904e\u300c\u8f49\u6703\u300d\u4f86\u8cfa\u53d6\u73fe\u91d1\u56de\u8d08\uff0c\u6216\u4eab\u53d7\u66f4\u4f4e\u7684\u6309\u63ed\u5229\u7387\u3002\u7136\u800c\uff0c\u5e02\u9762\u4e0a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1475,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1474","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"_links":{"self":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/posts\/1474","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/comments?post=1474"}],"version-history":[{"count":0,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/posts\/1474\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/media\/1475"}],"wp:attachment":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/media?parent=1474"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/categories?post=1474"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/tags?post=1474"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}