{"id":416,"date":"2026-03-08T20:24:57","date_gmt":"2026-03-08T20:24:57","guid":{"rendered":"https:\/\/gicl.com.hk\/?p=416"},"modified":"2026-04-09T16:12:47","modified_gmt":"2026-04-09T08:12:47","slug":"mortgage-comparison-hidden-fees-2026","status":"publish","type":"post","link":"https:\/\/gicl.com.hk\/en\/mortgage-comparison-hidden-fees-2026\/","title":{"rendered":"\u6309\u63ed\u6bd4\u8f03 2026\uff1a\u55ae\u770b\u5229\u7387\u5c31\u4e2d\u4f0f\uff1f\u63ed\u958b\u9280\u884c vs \u8ca1\u52d9\u516c\u53f8\u300c\u6a13\u5b87\u6309\u63ed\u300d5 \u5927\u96b1\u85cf\u689d\u6b3e"},"content":{"rendered":"\n<div class=\"wp-block-group gicl-post2\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p>\u8e0f\u5165 2026 \u5e74\uff0c\u6a13\u5e02\u7126\u9ede\u9664\u4e86\u6a13\u50f9\u8d70\u52e2\uff0c\u9084\u6709\u6309\u63ed\u5e02\u5834\u7684\u8b8a\u5316\u3002\u6839\u64da\u5e02\u5834\u6d88\u606f\uff0c\u5927\u578b\u9280\u884c\u70ba\u4e86\u722d\u53d6\u751f\u610f\uff0c\u5df2\u5c07<strong>\u6309\u63ed\u73fe\u91d1\u56de\u8d08<\/strong>\u4e0a\u8abf\u81f3\u6700\u9ad8 1% \uff0cH \u6309\u5c01\u9802\u4f4d\u4ea6\u6709\u6240\u56de\u843d\u3002<\/p>\n\n\n\n<p>\u7576\u60a8\u5728 MoneyHero \u6216 mReferral \u641c\u5c0b&nbsp;<strong>\u6309\u63ed\u6bd4\u8f03 2026<\/strong>&nbsp;\u6642\uff0c\u773c\u524d\u7684\u6578\u5b57\u78ba\u5be6\u5438\u5f15\u3002\u4f46\u4f5c\u70ba\u7cbe\u660e\u7684\u696d\u4e3b\uff0c\u60a8\u5fc5\u9808\u77e5\u9053\u9019\u4e9b\u300c\u512a\u60e0\u300d\u80cc\u5f8c\uff0c\u5f80\u5f80\u96b1\u85cf\u8457\u6975\u9ad8\u7684\u9580\u6abb\u8207\u4ee3\u50f9\u3002\u672c\u6587\u9664\u4e86\u70ba\u60a8\u6574\u7406\u6700\u65b0\u7684&nbsp;<strong>\u9280\u884c\u6309\u63ed\u5229\u7387<\/strong>&nbsp;\u6578\u64da\uff0c\u66f4\u6703\u6df1\u5165\u62c6\u89e3\u9280\u884c\u5408\u7d04\u4e2d\u7684 5 \u5927\u96b1\u85cf\u689d\u6b3e\uff0c\u52a9\u60a8\u907f\u958b\u300c\u4f4e\u606f\u9677\u9631\u300d\u3002<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/gicl.com.hk\/%E6%8C%89%E6%8F%AD%E6%AF%94%E8%BC%83-%E6%A8%93%E5%AE%87%E6%8C%89%E6%8F%AD%E5%88%A9%E7%8E%87%E6%88%90%E6%95%B8%E5%8F%8A%E5%9B%9E%E8%B4%88%E5%84%AA%E6%83%A0\/\">\ud83d\udc49 \u60f3\u76f4\u63a5\u67e5\u770b\u6700\u9f4a\u5168\u7684\u6309\u63ed\u5229\u7387\u6578\u5b57\u8207\u6210\u6578\u4e0a\u9650\uff1f\u8acb\u53c3\u8003\u6211\u5011\u7684\uff1a[2026 \u7269\u696d\u6309\u63ed\u6bd4\u8f03\u5927\u5168]<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u6587\u7ae0\u76ee\u9304\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"#2026%20%E9%8A%80%E8%A1%8C%E6%8C%89%E6%8F%AD%E6%9C%80%E6%96%B0%E5%B8%82%E6%B3%81%EF%BC%9A%E5%9B%9E%E8%B4%88%E9%87%8D%E4%B8%8A%201%%EF%BC%9F\">2026 \u9280\u884c\u6309\u63ed\u6700\u65b0\u5e02\u6cc1\uff1a\u56de\u8d08\u91cd\u4e0a 1%\uff1f<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#%E3%80%90%E6%9C%80%E6%96%B0%E6%95%B8%E6%93%9A%E3%80%912026%20%E5%90%84%E5%A4%A7%E9%8A%80%E8%A1%8C%E6%8C%89%E6%8F%AD%E5%88%A9%E7%8E%87%E5%8F%8A%E5%9B%9E%E8%B4%88%E6%AF%94%E8%BC%83%E8%A1%A8\">\u3010\u6700\u65b0\u6578\u64da\u30112026 \u5404\u5927\u9280\u884c\u6309\u63ed\u5229\u7387\u53ca\u56de\u8d08\u6bd4\u8f03\u8868<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#%E9%AD%94%E9%AC%BC%E7%B4%B0%E7%AF%80%E4%B8%80%EF%BC%9A%E7%BD%B0%E6%81%AF%E6%9C%9F%20(Lock-in%20Period)%20%E7%9A%84%E9%8E%96%E6%AD%BB%E4%BB%A3%E5%83%B9\">\u9b54\u9b3c\u7d30\u7bc0\u4e00\uff1a\u7f70\u606f\u671f (Lock-in Period) \u7684\u9396\u6b7b\u4ee3\u50f9<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#%E9%AD%94%E9%AC%BC%E7%B4%B0%E7%AF%80%E4%BA%8C%EF%BC%9A%E7%8F%BE%E9%87%91%E5%9B%9E%E8%B4%88%20(Cash%20Rebate)%20%E7%9C%8B%E5%BE%97%E5%88%B0%E5%90%83%E4%B8%8D%E5%88%B0%EF%BC%9F\">\u9b54\u9b3c\u7d30\u7bc0\u4e8c\uff1a\u73fe\u91d1\u56de\u8d08 (Cash Rebate) \u770b\u5f97\u5230\u5403\u4e0d\u5230\uff1f<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#%E9%AD%94%E9%AC%BC%E7%B4%B0%E7%AF%80%E4%B8%89%EF%BC%9A%E7%89%A9%E6%A5%AD%E4%BC%B0%E5%83%B9%E4%B8%8D%E8%B6%B3%E7%9A%84%E3%80%8C%E6%8A%AC%E9%8C%A2%E3%80%8D%E9%99%B7%E9%98%B1\">\u9b54\u9b3c\u7d30\u7bc0\u4e09\uff1a\u7269\u696d\u4f30\u50f9\u4e0d\u8db3\u7684\u300c\u62ac\u9322\u300d\u9677\u9631<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#\u9b54\u9b3c\u7d30\u7bc0\u56db\uff1a\u58d3\u529b\u6e2c\u8a66\u8207\u5165\u606f\u5be9\u67e5\u7684\u6298\u78e8\">\u9b54\u9b3c\u7d30\u7bc0\u56db\uff1a\u58d3\u529b\u6e2c\u8a66\u8207\u5165\u606f\u5be9\u67e5\u7684\u6298\u78e8<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#\u9b54\u9b3c\u7d30\u7bc0\u4e94\uff1a\u4e0d\u826f\u4e2d\u4ecb\u624b\u7e8c\u8cbb\u9677\u9631\">\u9b54\u9b3c\u7d30\u7bc0\u4e94\uff1a\u4e0d\u826f\u4e2d\u4ecb\u624b\u7e8c\u8cbb\u9677\u9631<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#%E7%B8%BD%E7%B5%90%EF%BC%9A%E7%9C%9F%E6%AD%A3%E7%9A%84%E6%AF%94%E8%BC%83%EF%BC%8C%E6%87%89%E7%9C%8B%E3%80%8C%E6%89%B9%E6%A0%B8%E7%8E%87%E3%80%8D%E8%80%8C%E9%9D%9E%E5%96%AE%E7%9C%8B%E3%80%8C%E6%9C%80%E4%BD%8E%E6%81%AF%E3%80%8D\">\u7e3d\u7d50\uff1a\u771f\u6b63\u7684\u6bd4\u8f03\uff0c\u61c9\u770b\u300c\u6279\u6838\u7387\u300d\u800c\u975e\u55ae\u770b\u300c\u6700\u4f4e\u606f\u300d<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#faq\">\u5e38\u898b\u554f\u984c FAQ<\/a><\/strong><\/li>\n<\/ul>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"2026 \u9280\u884c\u6309\u63ed\u6700\u65b0\u5e02\u6cc1\uff1a\u56de\u8d08\u91cd\u4e0a 1%\uff1f\">2026 \u9280\u884c\u6309\u63ed\u6700\u65b0\u5e02\u6cc1\uff1a\u56de\u8d08\u91cd\u4e0a 1%\uff1f<\/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>\u91cd\u9ede\u6458\u8981<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u672c\u6bb5\u6574\u7406\u6838\u5fc3\u6982\u5ff5\u8207\u5be6\u52d9\u8981\u9ede\uff0c\u65b9\u4fbf\u4f60\u5feb\u901f\u638c\u63e1\u65b9\u5411\u3002<\/li>\n\n\n\n<li>\u5be6\u969b\u5229\u7387\u3001\u6210\u6578\u53ca\u8cbb\u7528\u4ee5\u91d1\u878d\u6a5f\u69cb\u6700\u7d42\u6279\u6838\u8207\u5408\u7d04\u689d\u6b3e\u70ba\u6e96\u3002<\/li>\n\n\n\n<li>\u4e0b\u6587\u5c07\u9010\u6b65\u8aaa\u660e\u7d30\u7bc0\u3001\u6ce8\u610f\u4e8b\u9805\u8207\u5e38\u898b\u60c5\u5883\u3002<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>\u53d7\u7f8e\u570b\u6e1b\u606f\u9810\u671f\u5f71\u97ff\uff0c2026 \u5e74\u521d\u9999\u6e2f\u6309\u63ed\u5e02\u5834\u51fa\u73fe\u4e86\u300c\u6436\u5ba2\u6230\u300d\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u73fe\u91d1\u56de\u8d08 (Cash Rebate)<\/strong>\uff1a\u7531\u53bb\u5e74\u7684\u63a5\u8fd1 0%\uff0c\u56de\u5347\u81f3\u76ee\u524d\u7684 0.5% \u2013 1% \u4e0d\u7b49\uff0c\u8996\u4e4e\u8cb8\u6b3e\u984d\u800c\u5b9a\uff08\u901a\u5e38 800 \u842c\u4ee5\u4e0a\u624d\u6709\u6700\u9ad8\u56de\u8d08\uff09\u3002\u200b<\/li>\n\n\n\n<li><strong>\u6309\u63ed\u5229\u7387<\/strong>\uff1a\u5927\u90e8\u5206\u9280\u884c\u7dad\u6301 H+1.3%\uff0c\u5c01\u9802\u4f4d\u7d04\u70ba P-1.75% (\u5be6\u969b\u5229\u7387\u7d04 3.875% \u2013 4.125%) \u3002\u200b<\/li>\n<\/ul>\n\n\n\n<p>\u7136\u800c\uff0c\u91d1\u7ba1\u5c40\u6700\u65b0\u516c\u4f48\u7684\u8ca0\u8cc7\u7522\u5b97\u6578\u4ecd\u9054 21,304 \u5b97 \uff0c\u9019\u610f\u5473\u8457\u9280\u884c\u5728\u63d0\u4f9b\u512a\u60e0\u7684\u540c\u6642\uff0c\u5be9\u6279\u5c3a\u5ea6\uff08\u7279\u5225\u662f\u4f30\u50f9\u8207\u5165\u606f\u5be9\u67e5\uff09\u53cd\u800c\u6536\u5f97\u66f4\u7dca\u3002<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u6700\u65b0\u6578\u64da\u30112026 \u5404\u5927\u9280\u884c\u6309\u63ed\u5229\u7387\u53ca\u56de\u8d08\u6bd4\u8f03\u8868\">\u3010\u6700\u65b0\u6578\u64da\u30112026 \u5404\u5927\u9280\u884c\u6309\u63ed\u5229\u7387\u53ca\u56de\u8d08\u6bd4\u8f03\u8868<\/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>\u91cd\u9ede\u6458\u8981<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u672c\u6bb5\u6574\u7406\u6838\u5fc3\u6982\u5ff5\u8207\u5be6\u52d9\u8981\u9ede\uff0c\u65b9\u4fbf\u4f60\u5feb\u901f\u638c\u63e1\u65b9\u5411\u3002<\/li>\n\n\n\n<li>\u5be6\u969b\u5229\u7387\u3001\u6210\u6578\u53ca\u8cbb\u7528\u4ee5\u91d1\u878d\u6a5f\u69cb\u6700\u7d42\u6279\u6838\u8207\u5408\u7d04\u689d\u6b3e\u70ba\u6e96\u3002<\/li>\n\n\n\n<li>\u4e0b\u6587\u5c07\u9010\u6b65\u8aaa\u660e\u7d30\u7bc0\u3001\u6ce8\u610f\u4e8b\u9805\u8207\u5e38\u898b\u60c5\u5883\u3002<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>\u70ba\u4e86\u8b93\u5927\u5bb6\u4e00\u76ee\u4e86\u7136\uff0c\u6211\u5011\u6574\u7406\u4e86\u622a\u81f3 2026 \u5e74 2 \u6708\u7684\u4e3b\u6d41\u9280\u884c\u6309\u63ed\u8a08\u5283\u53c3\u8003\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">\u9280\u884c\u985e\u578b<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u8a08\u5283 (H\u6309)<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u5c01\u9802\u5229\u7387 (Cap Rate)<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u73fe\u91d1\u56de\u8d08<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u5be9\u6279\u7279\u9ede<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u5927\u578b\u9280\u884c (\u6ed9\u8c50\/\u4e2d\u9280\u7b49)<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">H+1.3%<\/td><td class=\"has-text-align-center\" data-align=\"center\">P-1.75%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.8% \u2013 1%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u6975\u56b4<\/strong>\uff1a\u9700 2 \u5e74\u7a05\u55ae\u3001\u904e\u58d3\u6e2c\u3001\u4f30\u50f9\u4fdd\u5b88<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u4e2d\u5c0f\u578b\u9280\u884c<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">H+1.3%<\/td><td class=\"has-text-align-center\" data-align=\"center\">P-2%<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.5% \u2013 0.8%<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>\u56b4\u683c<\/strong>\uff1a\u7a0d\u6709\u5f48\u6027\uff0c\u4f46\u4ecd\u9700\u5165\u606f\u8b49\u660e<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>&nbsp;\u6ce8\u610f<\/strong>\uff1a\u9280\u884c\u56de\u8d08\u901a\u5e38\u8a2d\u6709\u9580\u6abb\uff08\u5982\u8cb8\u6b3e\u984d\u9700\u9054 500 \u842c\u4ee5\u4e0a\uff09\uff0c\u4e14\u82e5\u56de\u8d08\u8d85\u904e 1%\uff0c\u9700\u6263\u6e1b\u8cb8\u6b3e\u984d\u3002\u60f3\u77e5\u81ea\u5df1\u80fd\u5426\u7372\u6279\uff1f<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u9b54\u9b3c\u7d30\u7bc0\u4e00\uff1a\u7f70\u606f\u671f (Lock-in Period) \u7684\u9396\u6b7b\u4ee3\u50f9\">\u9b54\u9b3c\u7d30\u7bc0\u4e00\uff1a\u7f70\u606f\u671f (Lock-in Period) \u7684\u9396\u6b7b\u4ee3\u50f9<\/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>\u91cd\u9ede\u6458\u8981<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u672c\u6bb5\u6574\u7406\u6838\u5fc3\u6982\u5ff5\u8207\u5be6\u52d9\u8981\u9ede\uff0c\u65b9\u4fbf\u4f60\u5feb\u901f\u638c\u63e1\u65b9\u5411\u3002<\/li>\n\n\n\n<li>\u5be6\u969b\u5229\u7387\u3001\u6210\u6578\u53ca\u8cbb\u7528\u4ee5\u91d1\u878d\u6a5f\u69cb\u6700\u7d42\u6279\u6838\u8207\u5408\u7d04\u689d\u6b3e\u70ba\u6e96\u3002<\/li>\n\n\n\n<li>\u4e0b\u6587\u5c07\u9010\u6b65\u8aaa\u660e\u7d30\u7bc0\u3001\u6ce8\u610f\u4e8b\u9805\u8207\u5e38\u898b\u60c5\u5883\u3002<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p><strong>\u9280\u884c\u505a\u6cd5\uff1a<\/strong>&nbsp;\u7d55\u5927\u591a\u6578\u9280\u884c\u6309\u63ed\u5408\u7d04\u8a2d\u6709 2 \u81f3 3 \u5e74\u7f70\u606f\u671f\u3002\u82e5\u60a8\u5728\u671f\u9593\u5167\u56e0&nbsp;<a href=\"https:\/\/gicl.com.hk\/mortgage-refinancing-cash-out-2026\/\"><strong>\u6a13\u5b87\u52a0\u6309\u5957\u73fe<\/strong><\/a>&nbsp;\u6216\u8ce3\u6a13\u800c\u63d0\u65e9\u9084\u6b3e\uff0c\u9700\u652f\u4ed8\u8cb8\u6b3e\u984d 1% \u2013 3% \u7684\u7f70\u606f\uff0c\u4e26\u9700\u5168\u6578\u9000\u9084\u73fe\u91d1\u56de\u8d08\u3002<\/p>\n\n\n\n<p>\u4f8b\u5b50\uff1a\u501f 500 \u842c\uff0c\u9996\u5e74\u7f70\u606f 3% = 15 \u842c\u3002\u9019\u7b46\u8cbb\u7528\u96a8\u6642\u9ad8\u65bc\u60a8\u7bc0\u7701\u7684\u5229\u606f\u3002<\/p>\n\n\n\n<p><strong>GICL \u512a\u52e2\uff1a<\/strong>&nbsp;\u6211\u5011\u660e\u767d\u8cc7\u91d1\u6d41\u8f49\u7684\u91cd\u8981\u6027\u3002GICL \u7684\u6309\u63ed\u8a08\u5283\u6975\u5177\u5f48\u6027\uff0c\u90e8\u5206\u65b9\u6848&nbsp;<strong>\u6700\u77ed 3-6 \u500b\u6708\u5f8c\u5373\u53ef\u514d\u7f70\u606f\u63d0\u65e9\u9084\u6b3e<\/strong>\u3002\u9019\u5c0d\u65bc\u77ed\u7dda\u6295\u8cc7\u8005\u3001\u6216\u53ea\u9700\u77ed\u671f&nbsp;<a href=\"https:\/\/gicl.com.hk\/sme-property-cash-out-business-turnover\/\"><strong>\u751f\u610f\u5468\u8f49<\/strong><\/a>&nbsp;\u7684\u8001\u95c6\u4f86\u8aaa\uff0c\u662f\u7121\u53ef\u6bd4\u64ec\u7684\u512a\u52e2\u3002<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u9b54\u9b3c\u7d30\u7bc0\u4e8c\uff1a\u73fe\u91d1\u56de\u8d08 (Cash Rebate) \u770b\u5f97\u5230\u5403\u4e0d\u5230\uff1f\">\u9b54\u9b3c\u7d30\u7bc0\u4e8c\uff1a\u73fe\u91d1\u56de\u8d08 (Cash Rebate) \u770b\u5f97\u5230\u5403\u4e0d\u5230\uff1f<\/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>\u91cd\u9ede\u6458\u8981<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u672c\u6bb5\u6574\u7406\u6838\u5fc3\u6982\u5ff5\u8207\u5be6\u52d9\u8981\u9ede\uff0c\u65b9\u4fbf\u4f60\u5feb\u901f\u638c\u63e1\u65b9\u5411\u3002<\/li>\n\n\n\n<li>\u5be6\u969b\u5229\u7387\u3001\u6210\u6578\u53ca\u8cbb\u7528\u4ee5\u91d1\u878d\u6a5f\u69cb\u6700\u7d42\u6279\u6838\u8207\u5408\u7d04\u689d\u6b3e\u70ba\u6e96\u3002<\/li>\n\n\n\n<li>\u4e0b\u6587\u5c07\u9010\u6b65\u8aaa\u660e\u7d30\u7bc0\u3001\u6ce8\u610f\u4e8b\u9805\u8207\u5e38\u898b\u60c5\u5883\u3002<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>\u96d6\u7136\u65b0\u805e\u8aaa\u56de\u8d08\u5347\u81f3 1%\uff0c\u4f46\u5c0d\u65bc\u666e\u901a\u5e02\u6c11\u4f86\u8aaa\uff0c\u9019\u500b\u6578\u5b57\u53ef\u80fd\u53ea\u662f\u300c\u6d77\u5e02\u8703\u6a13\u300d\u3002<\/p>\n\n\n\n<p>1. \u9580\u6abb\u63d0\u9ad8\uff1a\u901a\u5e38\u53ea\u9650 800 \u842c\u6216 1000 \u842c\u4ee5\u4e0a\u7684\u5927\u984d\u8cb8\u6b3e&nbsp;\u3002<\/p>\n\n\n\n<p>2. \u6263\u6e1b\u8cb8\u6b3e\u984d\uff1a \u6839\u64da\u91d1\u7ba1\u5c40\u898f\u5b9a\uff0c\u56de\u8d08\u82e5\u8d85\u904e 1%\uff0c\u6574\u7b46\u56de\u8d08\u4e0d\u80fd\u76f4\u63a5\u843d\u888b\uff0c\u5fc5\u9808\u5728\u8cb8\u6b3e\u984d\u5167\u6263\u6e1b\u3002<\/p>\n\n\n\n<p><strong>GICL \u53d6\u614b\uff1a<\/strong>&nbsp;\u6211\u5011\u4e0d\u73a9\u5f04\u56de\u8d08\u6578\u5b57\u904a\u6232\u3002GICL \u5c08\u6ce8\u65bc&nbsp;<a href=\"https:\/\/gicl.com.hk\/bank-vs-finance-company-first-mortgage-2026\/\"><strong>\u9280\u884c vs \u8ca1\u52d9\u516c\u53f8<\/strong><\/a>&nbsp;\u7684\u6838\u5fc3\u5dee\u7570\u2014\u2014&nbsp;<strong>\u901f\u5ea6\u8207\u6279\u6838\u7387\u3002GICL \u63d0\u4f9b\u6700\u5feb 24 \u5c0f\u6642\u6279\u6838\uff0c\u52a9\u60a8\u5373\u6642\u9396\u5b9a\u8cc7\u91d1\u3002<\/strong><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u9b54\u9b3c\u7d30\u7bc0\u4e09\uff1a\u7269\u696d\u4f30\u50f9\u4e0d\u8db3\u7684\u300c\u62ac\u9322\u300d\u9677\u9631\">\u9b54\u9b3c\u7d30\u7bc0\u4e09\uff1a\u7269\u696d\u4f30\u50f9\u4e0d\u8db3\u7684\u300c\u62ac\u9322\u300d\u9677\u9631<\/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>\u91cd\u9ede\u6458\u8981<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u672c\u6bb5\u6574\u7406\u6838\u5fc3\u6982\u5ff5\u8207\u5be6\u52d9\u8981\u9ede\uff0c\u65b9\u4fbf\u4f60\u5feb\u901f\u638c\u63e1\u65b9\u5411\u3002<\/li>\n\n\n\n<li>\u5be6\u969b\u5229\u7387\u3001\u6210\u6578\u53ca\u8cbb\u7528\u4ee5\u91d1\u878d\u6a5f\u69cb\u6700\u7d42\u6279\u6838\u8207\u5408\u7d04\u689d\u6b3e\u70ba\u6e96\u3002<\/li>\n\n\n\n<li>\u4e0b\u6587\u5c07\u9010\u6b65\u8aaa\u660e\u7d30\u7bc0\u3001\u6ce8\u610f\u4e8b\u9805\u8207\u5e38\u898b\u60c5\u5883\u3002<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>\u9019\u662f\u4e00\u500b\u8a31\u591a\u8cb7\u5bb6\u5728\u7c3d\u81e8\u7d04\u5f8c\u624d\u767c\u73fe\u7684\u75db\u9ede\uff0c\u7279\u5225\u662f\u937e\u60c5\u65bc\u5e02\u5340\u820a\u6a13\u7684\u696d\u4e3b\u3002<\/p>\n\n\n\n<p><strong>\u9280\u884c\u7684\u300c\u6a13\u9f61\u6b67\u8996\u300d\u8207\u4fdd\u5b88\u4f30\u50f9<\/strong>&nbsp;\u5728 2026 \u5e74\u7684\u6309\u63ed\u5e02\u5834\uff0c\u9280\u884c\u5c0d\u65bc \u5510\u6a13 \u6216 \u9ad8\u6a13\u9f61\u6d0b\u6a13\uff08\u4f8b\u5982 40-50 \u5e74\u4ee5\u4e0a\uff09\u7684\u614b\u5ea6\u6975\u70ba\u4fdd\u5b88\u3002\u9280\u884c\u5728\u9032\u884c\u4f30\u50f9\u6642\uff0c\u5f80\u5f80\u6703\u56e0\u70ba\u6a13\u9f61\u9ad8\u3001\u7121\u96fb\u68af\u6216\u6d88\u9632\u8a2d\u65bd\u672a\u5347\u7d1a\uff0c\u800c\u5927\u5e45\u6298\u8b93\u4f30\u503c\uff0c\u751a\u81f3\u76f4\u63a5\u62d2\u6279\u6309\u63ed\uff08\u4f8b\u5982\u672a\u80fd\u901a\u904e\u300c75\u6e1b\u6a13\u9f61\u300d\u7684\u5be9\u67e5\uff09\u3002<\/p>\n\n\n\n<p>\u5f8c\u679c\uff1a\u5373\u4f7f\u9280\u884c\u6279\u51fa 7 \u6210\u6309\u63ed\uff0c\u4f46\u56e0\u70ba\u4f30\u50f9\u6bd4\u6210\u4ea4\u50f9\u4f4e 10-20%\uff0c\u8b8a\u76f8\u60a8\u8981\u591a\u4ed8\u767e\u842c\u9996\u671f\u300c\u62ac\u9322\u4e0a\u6703\u300d\u3002<\/p>\n\n\n\n<p><strong>GICL&nbsp;\u5c08\u6ce8\u5730\u6bb5\u8207\u5be6\u7528\u50f9\u503c<\/strong><\/p>\n\n\n\n<p>GICL \u660e\u767d\u5373\u4f7f\u662f\u820a\u6a13\uff0c\u53ea\u8981\u4f4d\u8655\u5e02\u5340\u512a\u8cea\u5730\u6bb5\uff08\u5982\u7063\u4ed4\u3001\u6cb9\u5c16\u65fa\uff09\uff0c\u5176\u5c45\u4f4f\u8207\u79df\u52d9\u9700\u6c42\u4f9d\u7136\u5f37\u52c1\u3002&nbsp;\u5f48\u6027\u6a13\u9f61\u9650\u5236\uff1a\u6211\u5011\u5c0d\u6a13\u9f61\u7684\u5305\u5bb9\u5ea6\u9060\u9ad8\u65bc\u9280\u884c\uff0c\u4e0d\u6703\u55ae\u7d14\u56e0\u70ba\u6a13\u9f61\u9ad8\u5c31\u5927\u5e45\u58d3\u4f4e\u4f30\u50f9\u3002<\/p>\n\n\n\n<p><strong>\u8cbc\u5e02\u6279\u6838<\/strong>\uff1aGICL \u7684\u5c08\u696d\u5718\u968a\u6703\u53c3\u8003\u540c\u5340\u5be6\u969b\u6210\u4ea4\u53ca\u7269\u696d\u72c0\u6cc1\u4f5c\u7368\u7acb\u8a55\u4f30\uff0c\u5f80\u5f80\u80fd\u6279\u51fa\u6bd4\u9280\u884c\u66f4\u8cbc\u8fd1\u5e02\u50f9\u7684\u8cb8\u6b3e\u984d\uff0c\u52a9\u60a8\u89e3\u6c7a\u9996\u671f\u4e0d\u8db3\u7684\u96e3\u984c\uff0c\u9806\u5229\u5b8c\u6210\u4ea4\u6613\u3002<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u9b54\u9b3c\u7d30\u7bc0\u56db\uff1a\u58d3\u529b\u6e2c\u8a66\u8207\u5165\u606f\u5be9\u67e5\u7684\u6298\u78e8\"><strong>\u9b54\u9b3c\u7d30\u7bc0\u56db\uff1a\u58d3\u529b\u6e2c\u8a66\u8207\u5165\u606f\u5be9\u67e5\u7684\u6298\u78e8<\/strong><\/h2>\n\n\n\n<p>\u5373\u4f7f\u9280\u884c\u5229\u7387\u518d\u4f4e\uff0c\u82e5\u60a8\u662f\u81ea\u50f1\u4eba\u58eb\u3001\u73fe\u91d1\u51fa\u7ce7\u3001\u6216\u751f\u610f\u53d7\u5e02\u6cc1\u5f71\u97ff\u800c\u7f3a\u4e4f\u6700\u65b0\u7a05\u55ae\uff0c\u6839\u672c\u7121\u6cd5\u901a\u904e\u9280\u884c\u7684\u300c\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387 (DSR)\u300d\u6e2c\u8a66\u3002GICL \u74b0\u7403\u4fe1\u8cb8 \u89e3\u6c7a\u65b9\u6848\uff1a \u6211\u5011\u63a1\u7528\u300c\u8cc7\u7522\u5be9\u6279\u300d\u6a21\u5f0f\uff0c\u70ba\u60a8\u63d0\u4f9b<strong>\u771f\u6b63\u514d\u5165\u606f\u8b49\u660e<\/strong>\u7684\u6975\u901f\u65b9\u6848\u3002<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--2\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/gicl.com.hk\/bank-vs-finance-company-first-mortgage-2026\/\">\ud83d\udc49 \u4e86\u89e3\u8a73\u60c5\uff1a[\u9280\u884c\u62d2\u6279\u6309\u63ed\u9ede\u7b97\uff1f2026 \u8ca1\u52d9\u516c\u53f8\u4e00\u6309\u514d\u5165\u606f\u653b\u7565]<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u9b54\u9b3c\u7d30\u7bc0\u4e94\uff1a\u4e0d\u826f\u4e2d\u4ecb\u624b\u7e8c\u8cbb\u9677\u9631\"><strong>\u9b54\u9b3c\u7d30\u7bc0\u4e94\uff1a\u4e0d\u826f\u4e2d\u4ecb\u624b\u7e8c\u8cbb\u9677\u9631<\/strong><\/h2>\n\n\n\n<p>\u574a\u9593\u6709\u4e9b\u8072\u7a31\u80fd\u5e6b\u60a8\u300c\u5305\u4fdd\u7372\u6279\u300d\u7684\u4e8c\u7dda\u8ca1\u52d9\u516c\u53f8\u6216\u4e0d\u826f\u4e2d\u4ecb\uff0c\u5f80\u5f80\u6703\u5411\u501f\u6b3e\u4eba\u6536\u53d6\u9ad8\u9054\u8cb8\u6b3e\u984d\u6578\u500b\u767e\u5206\u6bd4\u7684\u624b\u7e8c\u8cbb \u3002<strong>\u9632\u4f0f\u6559\u5b78<\/strong>\uff1a \u9032\u884c\u6309\u63ed\u6bd4\u8f03\u6642\uff0c\u8acb\u52d9\u5fc5\u9078\u64c7\u5982 GICL \u74b0\u7403\u4fe1\u8cb8\uff08\u80a1\u7968\u4ee3\u865f\uff1a1669\uff09\u9019\u985e<strong>\u9999\u6e2f\u6301\u724c\u4e0a\u5e02\u6309\u63ed\u516c\u53f8<\/strong>\uff0c\u6211\u5011\u627f\u8afe<strong>\u7d55\u7121\u96b1\u85cf\u624b\u7e8c\u8cbb<\/strong>\uff0c\u5b89\u5168\u53ef\u9760\u3002<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u7e3d\u7d50\uff1a\u771f\u6b63\u7684\u6bd4\u8f03\uff0c\u61c9\u770b\u300c\u9748\u6d3b\u5ea6\u300d\u800c\u975e\u55ae\u770b\u300c\u6700\u4f4e\u606f\u300d\">\u7e3d\u7d50\uff1a\u771f\u6b63\u7684\u6bd4\u8f03\uff0c\u61c9\u770b\u300c\u9748\u6d3b\u5ea6\u300d\u800c\u975e\u55ae\u770b\u300c\u6700\u4f4e\u606f\u300d<\/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>\u91cd\u9ede\u6458\u8981<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u672c\u6bb5\u6574\u7406\u6838\u5fc3\u6982\u5ff5\u8207\u5be6\u52d9\u8981\u9ede\uff0c\u65b9\u4fbf\u4f60\u5feb\u901f\u638c\u63e1\u65b9\u5411\u3002<\/li>\n\n\n\n<li>\u5be6\u969b\u5229\u7387\u3001\u6210\u6578\u53ca\u8cbb\u7528\u4ee5\u91d1\u878d\u6a5f\u69cb\u6700\u7d42\u6279\u6838\u8207\u5408\u7d04\u689d\u6b3e\u70ba\u6e96\u3002<\/li>\n\n\n\n<li>\u4e0b\u6587\u5c07\u9010\u6b65\u8aaa\u660e\u7d30\u7bc0\u3001\u6ce8\u610f\u4e8b\u9805\u8207\u5e38\u898b\u60c5\u5883\u3002<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>\u7d9c\u5408\u4ee5\u4e0a 5 \u5927\u96b1\u85cf\u689d\u6b3e\uff0c\u6211\u5011\u53ef\u4ee5\u770b\u5230\u4e00\u500b\u6e05\u6670\u7684\u5716\u756b\uff1a&nbsp;\u9280\u884c\u6309\u63ed\uff1a\u9069\u5408\u6536\u5165\u6975\u5ea6\u7a69\u5b9a\u3001\u672a\u4f86 3 \u5e74\u4e0d\u6253\u7b97\u8b8a\u8ce3\u7269\u696d\u3001\u4e14\u80fd\u901a\u904e\u56b4\u683c\u58d3\u6e2c\u7684\u4eba\u3002\u96d6\u7136\u540d\u7fa9\u5229\u7387\u4f4e\uff0c\u4f46\u300c\u9396\u6b7b\u5ea6\u300d\u6975\u9ad8\u3002<\/p>\n\n\n\n<p>\u505a&nbsp;<strong>\u6309\u63ed\u6bd4\u8f03<\/strong>&nbsp;\u6642\uff0c\u8acb\u7dca\u8a18\uff1a<strong>\u300c\u501f\u5f97\u5230\u300d\u6c38\u9060\u6bd4\u300c\u5e73\u5e7e\u591a\u300d\u91cd\u8981<\/strong>\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u9280\u884c\u6309\u63ed<\/strong>\uff1a\u9069\u5408\u5165\u606f\u5b8c\u7f8e\u3001\u6587\u4ef6\u9f4a\u5168\u3001\u4e0d\u6025\u9700\u8cc7\u91d1\u7684\u4eba\u3002<\/li>\n\n\n\n<li><strong>GICL \u74b0\u7403\u4fe1\u8cb8 \u6309\u63ed<\/strong>\uff1a<strong>\u9069\u5408\u81ea\u50f1\u4eba\u58eb\u3001\u6025\u9700\u5468\u8f49\u3001\u6216\u9280\u884c\u4f30\u50f9\u4e0d\u8db3\u7684\u696d\u4e3b<\/strong>\u3002<\/li>\n<\/ul>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u5e38\u898b\u554f\u984c 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-3&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<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-3-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-3\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Q1: <strong>2026\u5e74 H \u6309\u4f9b\u6b3e\u58d3\u529b\u6703\u6e1b\u8f15\u55ce\uff1f<\/strong><\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-3\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-3-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>A\uff1a\u5e02\u5834\u666e\u904d\u9810\u671f 2026 \u5e74\u7f8e\u570b\u5c07\u6703\u7e7c\u7e8c\u6e1b\u606f\u6b65\u4f10\uff0c\u9999\u6e2f\u9280\u884c\u540c\u696d\u62c6\u606f (HIBOR) \u6709\u671b\u56de\u843d\uff0cH \u6309\u4f9b\u6b3e\u58d3\u529b\u5c07\u6703\u9010\u6f38\u6e1b\u8f15\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-4&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<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-4-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-4\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\"><strong>Q2\uff1a\u5982\u679c\u55ae\u770b\u5e74\u5229\u7387\uff0c\u8ca1\u52d9\u516c\u53f8\u662f\u5426\u4e00\u5b9a\u6bd4\u9280\u884c\u8cb4\uff1f<\/strong><\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-4\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-4-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>A\uff1a\u540d\u7fa9\u4e0a\u662f\u7684\uff0c\u56e0\u70ba\u8ca1\u52d9\u516c\u53f8\u627f\u64d4\u4e86\u9280\u884c\u4e0d\u505a\u7684\u98a8\u96aa\uff08\u5982\u514d\u5165\u606f\u3001\u9ad8\u6210\u6578\uff09\u3002\u4f46\u82e5\u60a8\u53ea\u9700\u8cc7\u91d1\u5468\u8f49 6-12 \u500b\u6708\uff0c<strong>GICL \u74b0\u7403\u4fe1\u8cb8 \u63d0\u4f9b\u300c\u63d0\u65e9\u9084\u6b3e\u514d\u7f70\u606f\u300d<\/strong>\uff0c\u5be6\u969b\u7684\u5229\u606f\u7e3d\u652f\u51fa\uff0c\u5f80\u5f80\u6bd4\u60a8\u53bb\u9280\u884c\u501f\u9322\u5f8c\u88ab\u6263\u9664\u7684\u300c\u63d0\u65e9\u9084\u6b3e\u7f70\u606f\u300d<strong>\u9084\u8981\u4fbf\u5b9c<\/strong>\uff01<\/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-5&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<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-5-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-5\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\"><strong>Q3\uff1aGICL \u7684\u6309\u63ed\u5229\u7387\u5927\u7d04\u662f\u591a\u5c11\uff1f<\/strong><\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-5\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-5-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p><strong>A\uff1a<\/strong> \u7531\u65bc\u6211\u5011\u63d0\u4f9b\u7684\u662f\u500b\u4eba\u5316 \u514d\u5165\u606f\u65b9\u6848\uff0c\u5229\u7387\u6703\u8996\u4e4e\u7269\u696d\u8cea\u7d20\u53ca\u8cb8\u6b3e\u6210\u6578\u800c\u5b9a\u3002\u96d6\u7136\u9ad8\u65bc\u9280\u884c\u7684 P \u6309\uff0c\u4f46\u6975\u5177\u7af6\u722d\u529b\uff0c\u4e14\u7121\u96b1\u85cf\u624b\u7e8c\u8cbb\u3002\u5efa\u8b70\u76f4\u63a5\u806f\u7d61\u6211\u5011\u4f5c\u514d\u8cbb\u5831\u50f9\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-6&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<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-6-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-6\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\"><strong>Q4\uff1a\u5982\u679c\u6211\u5728\u7f70\u606f\u671f\u5167\u60f3\u8f49\u6309\u8d70\uff0cGICL \u6703\u7f70\u6b3e\u55ce\uff1f<\/strong><\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-6\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-6-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p><strong>A\uff1a<\/strong> \u8996\u4e4e\u5408\u7d04\u689d\u6b3e\u3002GICL \u63d0\u4f9b\u591a\u7a2e\u65b9\u6848\uff0c\u90e8\u5206\u8a2d\u6709\u6975\u77ed\u7f70\u606f\u671f\uff08\u5982 3 \u500b\u6708\uff09\uff0c\u751a\u81f3\u514d\u7f70\u606f\u3002\u6211\u5011\u9f13\u52f5\u5ba2\u6236\u5728\u7533\u8acb\u6642\u8aaa\u660e\u8cc7\u91d1\u7528\u9014\uff08\u5982\u77ed\u7092\u6216\u904e\u6e21\u6027\u8cb8\u6b3e\uff09\uff0c\u4ee5\u4fbf\u6211\u5011\u70ba\u60a8\u5b89\u6392\u6700\u9748\u6d3b\u7684\u689d\u6b3e\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-7&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<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-7-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-7\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\"><strong>Q5\uff1a\u7533\u8acb GICL \u6309\u63ed\u6703\u5f71\u97ff\u6211\u5728\u9280\u884c\u7684\u4fe1\u8cb8\u8a55\u7d1a (TU) \u55ce\uff1f<\/strong><\/span><span class=\"wp-block-accordion-heading__toggle-icon\" aria-hidden=\"true\">+<\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-7\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-7-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p><strong>A\uff1a<\/strong> \u4e0d\u6703\u3002GICL \u7684\u6309\u63ed\u8cb8\u6b3e\u7d00\u9304\u4e0d\u6703\u4e0a\u5831\u81f3\u74b0\u806f (TU)\u3002\u9019\u610f\u5473\u8457\u60a8\u7684\u4fe1\u8cb8\u8a55\u7d1a\u4e0d\u53d7\u5f71\u97ff\uff0c\u9019\u5c0d\u65bc\u5e0c\u671b\u4fdd\u6301\u826f\u597d TU \u4ee5\u5099\u65e5\u5f8c\u5411\u9280\u884c\u7533\u8acb\u5176\u4ed6\u8cb8\u6b3e\u7684\u696d\u4e3b\u4f86\u8aaa\uff0c\u662f\u4e00\u500b\u6975\u5927\u7684\u512a\u52e2\u3002<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u7acb\u5373\u884c\u52d5\uff1a\u5225\u88ab\u8868\u9762\u7684\u4f4e\u606f\u6578\u5b57\u8499\u853d\uff01<\/h2>\n\n\n\n<p>GICL \u7684\u627f\u8afe\uff1a<\/p>\n\n\n\n<p>\u2705 \u514d\u5165\u606f\u8b49\u660e\u3001\u514d\u8ca1\u52d9\u5831\u8868<\/p>\n\n\n\n<p>\u2705 \u6700\u5feb 24 \u5c0f\u6642\u6279\u6838\u653e\u6b3e<\/p>\n\n\n\n<p>\u2705 \u5f48\u6027\u4f30\u50f9\uff0c\u63a5\u53d7\u9ad8\u6a13\u9f61\u5510\u6a13<\/p>\n\n\n\n<p>\u2705 \u63d0\u65e9\u9084\u6b3e\u514d\u7f70\u606f\uff08\u8996\u4e4e\u5408\u7d04\u689d\u6b3e\uff09<\/p>\n\n\n\n<p>\u2705 \u4e0d\u5f71\u97ff\u539f\u6709\u9280\u884c\u4fe1\u8cb8\u8a55\u7d1a (TU)<\/p>\n\n\n\n<p>\u7acb\u5373\u806f\u7d61 GICL \u74b0\u7403\u4fe1\u8cb8\uff0c\u9ad4\u9a57\u771f\u6b63\u900f\u660e\u3001\u9748\u6d3b\u7684\u6a13\u5b87\u6309\u63ed\u670d\u52d9\uff01<\/p>\n\n\n\n<p> <a href=\"https:\/\/wa.me\/85291741899\" target=\"_blank\" rel=\"noopener\"> [WhatsApp \u806f\u7d61 GICL \u6309\u63ed\u9867\u554f]<\/a><\/p>\n\n\n\n<p>  \u7acb\u5373\u81f4\u96fb: 2111 0998<\/p>\n\n\n\n<p>  \u7db2\u4e0a\u514d\u8cbb\u7269\u696d\u4f30\u50f9\uff1ahttps:\/\/gicl.com.hk\/<\/p>\n\n\n\n<p>GICL \u74b0\u7403\u4fe1\u8cb8 | \u6301\u724c\u653e\u50b5\u4eba\u724c\u7167\u865f\u78bc: 82\/2026, 0403\/2025, 1916\/2025 | \u8b93\u60a8\u7684\u7269\u696d\u50f9\u503c\uff0c\u70ba\u60a8\u6975\u901f\u5957\u73fe<\/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>\u5fe0\u544a: \u501f\u9322\u6897\u8981\u9084\uff0c\u54aa\u4ffe\u9322\u4e2d\u4ecb\uff01GICL \u74b0\u7403\u4fe1\u8cb8\u63d0\u9192\u4f60\u7406\u6027\u501f\u8cb8\uff0c\u59a5\u5584\u7ba1\u7406\u500b\u4eba\u8ca1\u52d9\u3002<\/p>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u8e0f\u5165 2026 \u5e74\uff0c\u6a13\u5e02\u7126\u9ede\u9664\u4e86\u6a13\u50f9\u8d70\u52e2\uff0c\u9084\u6709\u6309\u63ed\u5e02\u5834\u7684\u8b8a\u5316\u3002\u6839\u64da\u5e02\u5834\u6d88\u606f\uff0c\u5927\u578b\u9280\u884c\u70ba\u4e86\u722d\u53d6\u751f\u610f\uff0c\u5df2\u5c07\u6309\u63ed\u73fe\u91d1 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":410,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[4,2,3],"class_list":["post-416","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-4","tag-2","tag-3"],"acf":[],"_links":{"self":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/posts\/416","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\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/comments?post=416"}],"version-history":[{"count":0,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/posts\/416\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/media\/410"}],"wp:attachment":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/media?parent=416"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/categories?post=416"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/tags?post=416"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}