{"id":8063,"date":"2026-10-04T10:45:54","date_gmt":"2026-10-04T02:45:54","guid":{"rendered":"https:\/\/gicl.com.hk\/2026-gicl\/"},"modified":"2026-10-04T10:50:58","modified_gmt":"2026-10-04T02:50:58","slug":"geo-%e7%89%a9%e6%a5%ad%e8%bd%89%e6%8c%89%e5%a5%97%e7%8f%be%e6%af%94%e8%bc%832026","status":"publish","type":"post","link":"https:\/\/gicl.com.hk\/en\/geo-%e7%89%a9%e6%a5%ad%e8%bd%89%e6%8c%89%e5%a5%97%e7%8f%be%e6%af%94%e8%bc%832026\/","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 &#8211; GICL \u74b0\u7403\u4fe1\u8cb8"},"content":{"rendered":"<h1>\u7269\u696d\u8f49\u6309\u5957\u73fe\u6bd4\u8f03 2026\uff5cH\u6309\u3001P\u6309\u3001\u5b9a\u606f\u3001\u73fe\u91d1\u56de\u8d08\u53ca\u7e3d\u6210\u672c<\/h1>\n<p><strong>\u6700\u5f8c\u66f4\u65b0\uff1a2026 \u5e74 9 \u6708 27 \u65e5<\/strong><\/p>\n<p>2026 \u5e74\u505a\u7269\u696d\u8f49\u6309\u5957\u73fe\uff0c\u4e0d\u80fd\u53ea\u6bd4\u8f03\u300c\u54ea\u9593\u9280\u884c\u56de\u8d08\u6700\u9ad8\u300d\u3002\u771f\u6b63\u5f71\u97ff\u6210\u672c\u7684\u56e0\u7d20\u5305\u62ec <strong>\u8f49\u6309\u5229\u7387\u3001H\u6309\u5c01\u9802\u606f\u7387\u3001\u73fe\u91d1\u56de\u8d08\u3001\u6309\u63ed\u6210\u6578\u3001\u5f8b\u5e2b\u8cbb\u3001\u7f70\u606f\u671f\u3001\u56de\u8d08\u9000\u9084\u689d\u6b3e\uff0c\u4ee5\u53ca\u6574\u500b\u6279\u6838\u548c\u63d0\u6b3e\u6642\u9593<\/strong>.<\/p>\n<p>\u622a\u81f3 2026 \u5e74 9 \u6708\uff0c\u9999\u6e2f\u5e02\u5834\u5e38\u898b\u65b0\u9020 H \u6309\u7d04\u70ba <strong>H+1.3%<\/strong>\uff0c\u5c01\u9802\u606f\u7387\u7d04 <strong>3.25%<\/strong>\uff1b\u90e8\u5206\u9280\u884c\u4ea6\u91cd\u65b0\u63a8\u51fa\u5b9a\u606f\u6309\u63ed\uff0c\u4f8b\u5982\u6307\u5b9a\u8a08\u5283\u9996 3 \u5e74\u5b9a\u606f\u53ef\u4f4e\u81f3 <strong>2.93%<\/strong>\u3002\u9280\u884c\u6309\u63ed\u73fe\u91d1\u56de\u8d08\u5247\u6703\u56e0\u8cb8\u6b3e\u984d\u53ca\u5ba2\u6236\u689d\u4ef6\u800c\u7570\uff0c\u8fd1\u671f\u5e02\u5834\u500b\u6848\u7d04\u898b <strong>1%\u20131.5%<\/strong>\uff0c\u500b\u5225\u512a\u60e0\u53ef\u4ee5\u66f4\u9ad8\u3002<\/p>\n<p>\u53e6\u4e00\u500b\u91cd\u8981\u6539\u8b8a\u662f\uff1a<strong>\u9999\u6e2f\u91d1\u7ba1\u5c40\u5df2\u65bc 2024 \u5e74 2 \u6708\u66ab\u505c\u4f4f\u5b85\u6309\u63ed\u5229\u7387\u58d3\u529b\u6e2c\u8a66\u3002<\/strong> \u56e0\u6b64\uff0c2026 \u5e74\u7533\u8acb\u9280\u884c\u8f49\u6309\u4e26\u4e0d\u5b58\u5728\u7d71\u4e00\u7684\u300c+2\u5398\u300d\u6216\u300c+3\u5398\u300d\u58d3\u529b\u6e2c\u8a66\u8981\u6c42\uff1b\u4e0d\u904e\u9280\u884c\u4ecd\u6703\u5be9\u6838\u7533\u8acb\u4eba\u7684\u5165\u606f\u3001\u8ca0\u50b5\u3001\u9084\u6b3e\u80fd\u529b\u3001\u4fe1\u8cb8\u7d00\u9304\u53ca\u7269\u696d\u4f30\u503c\u3002<\/p>\n<p>\u5982\u679c\u4f60\u60f3\u4e86\u89e3\u7533\u8acb\u7a0b\u5e8f\u3001\u6587\u4ef6\u53ca\u8f49\u6309\u6d41\u7a0b\uff0c\u53ef\u5148\u95b1\u8b80\uff1a<a href=\"https:\/\/gicl.com.hk\/en\/mortgage-refinancing-guide-2026\/\" target=\"_blank\" rel=\"noopener noreferrer\">2026 \u6a13\u5b87\u8f49\u6309\u5168\u653b\u7565<\/a><\/p>\n<hr>\n<h2>2026 \u5e74\u7269\u696d\u8f49\u6309\u5e02\u5834\u4e00\u89bd<\/h2>\n<table class=\"border-collapse table-auto w-full\" style=\"min-width: 75px;\">\n<colgroup>\n<col style=\"min-width: 25px;\">\n<col style=\"min-width: 25px;\">\n<col style=\"min-width: 25px;\"><\/colgroup>\n<tbody>\n<tr>\n<th class=\"border border-border bg-surface-sunken px-3 py-2 text-left font-medium\" colspan=\"1\" rowspan=\"1\">\n<p>Comparison Item<\/p>\n<\/th>\n<th class=\"border border-border bg-surface-sunken px-3 py-2 text-left font-medium\" colspan=\"1\" rowspan=\"1\">\n<p>2026 \u5e74 9 \u6708\u5e02\u5834\u53c3\u8003<\/p>\n<\/th>\n<th class=\"border border-border bg-surface-sunken px-3 py-2 text-left font-medium\" colspan=\"1\" rowspan=\"1\">\n<p>\u8f49\u6309\u6642\u8981\u7559\u610f<\/p>\n<\/th>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>HIBOR-linked mortgage<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5e38\u898b\u7d04 <strong>H+1.3%<\/strong><\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5be6\u969b\u4f9b\u6b3e\u53d7 1 \u500b\u6708 HIBOR \u53ca\u5c01\u9802\u606f\u7387\u5f71\u97ff<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>H\u6309\u5c01\u9802<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u7d04 <strong>3.25%<\/strong><\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e0d\u540c\u9280\u884c P \u503c\u53ca\u5c01\u9802\u516c\u5f0f\u4e0d\u540c<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>Prime-linked Mortgage<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5be6\u969b\u606f\u7387\u8996\u9280\u884c P \u503c\u53ca\u6298\u6263\u800c\u5b9a<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4f9b\u6b3e\u76f8\u5c0d\u8f03\u5c11\u53d7\u77ed\u671f HIBOR \u6ce2\u52d5\u5f71\u97ff<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5b9a\u606f\u6309\u63ed<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6307\u5b9a\u8a08\u5283\u9996 3 \u5e74\u53ef\u4f4e\u81f3 <strong>2.93%<\/strong><\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u512a\u60e0\u671f\u3001\u8cb8\u6b3e\u984d\u3001\u7269\u696d\u7a2e\u985e\u53ca\u5176\u5f8c\u606f\u7387\u5747\u6709\u689d\u4ef6<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u9280\u884c\u73fe\u91d1\u56de\u8d08<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5e02\u5834\u500b\u6848\u7d04 <strong>1%\u20131.5%<\/strong>\uff0c\u500b\u5225\u66f4\u9ad8<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u9ad8\u56de\u8d08\u4e0d\u4ee3\u8868\u6700\u4f4e\u7e3d\u6210\u672c<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e00\u822c\u9280\u884c LTV \u4e0a\u9650<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p><strong>70%<\/strong><\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4ecd\u8996\u7269\u696d\u4f30\u503c\u53ca\u9280\u884c\u5be9\u6279<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e00\u822c DSR \u4e0a\u9650<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p><strong>50%<\/strong><\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u9280\u884c\u4ecd\u9808\u8a55\u4f30\u9084\u6b3e\u80fd\u529b<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>Stress Test<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p><strong>\u5df2\u66ab\u505c<\/strong><\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e0d\u4ee3\u8868\u9280\u884c\u6bcb\u9808\u5be9\u6838\u5165\u606f\u53ca\u8ca1\u52d9\u72c0\u6cc1<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u4ee5\u4e0a\u70ba\u5e02\u5834\u53ca\u76e3\u7ba1\u8cc7\u6599\u6458\u8981\uff0c\u5be6\u969b\u5229\u7387\u3001\u56de\u8d08\u53ca\u6279\u6838\u689d\u4ef6\u6703\u96a8\u9280\u884c\u653f\u7b56\u53ca\u5e02\u5834\u8b8a\u5316\u800c\u8abf\u6574\u3002<\/p>\n<hr>\n<h2>\u751a\u9ebc\u662f\u7269\u696d\u8f49\u6309\u5957\u73fe\uff1f<\/h2>\n<p><strong>Refinancing<\/strong>\u662f\u6307\u628a\u73fe\u6709\u7269\u696d\u6309\u63ed\u7531\u539f\u6709\u8cb8\u6b3e\u6a5f\u69cb\u8f49\u5230\u53e6\u4e00\u9593\u9280\u884c\u6216\u8ca1\u52d9\u6a5f\u69cb\u3002<\/p>\n<p>\u5982\u679c\u65b0\u6279\u51fa\u7684\u8cb8\u6b3e\u984d\u9ad8\u65bc\u539f\u6709\u6309\u63ed\u5c1a\u6b20\u672c\u91d1\uff0c\u6263\u9664\u76f8\u95dc\u8cbb\u7528\u5f8c\u7684\u5dee\u984d\uff0c\u5c31\u53ef\u4ee5\u6210\u70ba\u696d\u4e3b\u53ef\u904b\u7528\u7684\u73fe\u91d1\uff0c\u5373\u4e00\u822c\u6240\u8aaa\u7684 <strong>\u300c\u8f49\u6309\u5957\u73fe\u300d<\/strong>.<\/p>\n<p>\u7c21\u55ae\u4f86\u8aaa\uff1a<\/p>\n<p><strong>\u53ef\u5957\u73fe\u91d1\u984d \u2248 \u65b0\u6279\u8cb8\u6b3e\u984d \u2212 \u539f\u6709\u6309\u63ed\u9918\u984d \u2212 \u76f8\u95dc\u8cbb\u7528\uff0f\u7f70\u606f<\/strong><\/p>\n<p>For example:<\/p>\n<ul>\n<li>\n<p>\u7269\u696d\u4f30\u503c\uff1aHK$10,000,000<\/p>\n<\/li>\n<li>\n<p>\u65b0\u8cb8\u6b3e\u7372\u6279\uff1aHK$7,000,000<\/p>\n<\/li>\n<li>\n<p>\u539f\u6309\u63ed\u5c1a\u6b20\uff1aHK$4,000,000<\/p>\n<\/li>\n<\/ul>\n<p>\u672a\u8a08\u5f8b\u5e2b\u8cbb\u3001\u7f70\u606f\u6216\u5176\u4ed6\u8cbb\u7528\u524d\uff0c\u7406\u8ad6\u4e0a\u7684\u5957\u73fe\u7a7a\u9593\u7d04\u70ba <strong>HK$3,000,000<\/strong>.<\/p>\n<p>\u56e0\u6b64\uff0c\u8f49\u6309\u6bd4\u8f03\u4e0d\u80fd\u53ea\u770b\u300c\u5229\u7387\u6700\u4f4e\u300d\uff1b<strong>\u7269\u696d\u4f30\u503c\u548c\u53ef\u6279\u6309\u63ed\u6210\u6578\u540c\u6a23\u76f4\u63a5\u6c7a\u5b9a\u4f60\u5be6\u969b\u53ef\u4ee5\u5957\u73fe\u591a\u5c11\u3002<\/strong><\/p>\n<hr>\n<h2>2026 \u8f49\u6309\u5229\u7387\u6bd4\u8f03\uff1aH\u6309\u3001P\u6309\u9084\u662f\u5b9a\u606f\uff1f<\/h2>\n<h3>H\u6309\u662f\u751a\u9ebc\uff1f<\/h3>\n<p>H\u6309\u5373 <strong>HIBOR-linked Mortgage\uff08\u9280\u884c\u540c\u696d\u62c6\u606f\u6309\u63ed\uff09<\/strong>.<\/p>\n<p>\u5e38\u898b\u8a08\u7b97\u65b9\u5f0f\u4f8b\u5982\uff1a<\/p>\n<p><strong>1\u500b\u6708 HIBOR + 1.3%<\/strong><\/p>\n<p>\u4f46 H\u6309\u4e00\u822c\u8a2d\u6709\u5c01\u9802\u606f\u7387\u3002\u63db\u8a00\u4e4b\uff0c\u5373\u4f7f HIBOR \u4e0a\u5347\u4ee4\u300cH+1.3%\u300d\u9ad8\u904e\u5c01\u9802\u4f4d\uff0c\u5be6\u969b\u4f9b\u6b3e\u606f\u7387\u901a\u5e38\u4e0d\u6703\u8d85\u904e\u5408\u7d04\u8a02\u660e\u7684\u5c01\u9802\u6c34\u5e73\u3002<\/p>\n<p>\u622a\u81f3 2026 \u5e74 9 \u6708\uff0c\u5e02\u5834\u5e38\u898b\u65b0\u9020 H \u6309\u4ecd\u7d04\u70ba <strong>H+1.3%<\/strong>\uff0c\u800c\u4e3b\u8981\u9280\u884c\u7684\u5c01\u9802\u5be6\u969b\u6309\u606f\u7d04\u5728 <strong>3.25%<\/strong> \u5de6\u53f3\u3002<\/p>\n<p><strong>H\u6309\u8f03\u9069\u5408\uff1a<\/strong><\/p>\n<ul>\n<li>\n<p>\u5e0c\u671b\u5728 HIBOR \u8f03\u4f4e\u6642\u53d7\u60e0\u7684\u696d\u4e3b<\/p>\n<\/li>\n<li>\n<p>\u53ef\u4ee5\u63a5\u53d7\u6bcf\u6708\u4f9b\u6b3e\u6709\u4e00\u5b9a\u6ce2\u52d5<\/p>\n<\/li>\n<li>\n<p>\u8a08\u5283\u6301\u6709\u6309\u63ed\u8f03\u9577\u6642\u9593\u7684\u4eba\u58eb<\/p>\n<\/li>\n<\/ul>\n<hr>\n<h3>P\u6309\u662f\u751a\u9ebc\uff1f<\/h3>\n<p>P\u6309\u5373\u4ee5\u9280\u884c\u7684 <strong>Prime Rate\uff08\u6700\u512a\u60e0\u5229\u7387\uff09<\/strong> \u70ba\u57fa\u6e96\uff0c\u518d\u6e1b\u53bb\u6307\u5b9a\u5229\u5dee\u3002<\/p>\n<p>For example:<\/p>\n<p><strong>P \u2212 \u6307\u5b9a\u767e\u5206\u6bd4<\/strong><\/p>\n<p>P\u6309\u4e0d\u50cf H\u6309\u6bcf\u5929\u53d7\u9280\u884c\u540c\u696d\u62c6\u606f\u8b8a\u5316\u5f71\u97ff\uff0c\u56e0\u6b64\u77ed\u671f\u4f9b\u6b3e\u901a\u5e38\u8f03\u5bb9\u6613\u9810\u7b97\uff1b\u4f46\u9280\u884c\u7684 Prime Rate \u4e26\u975e\u6c38\u9060\u4e0d\u8b8a\uff0c\u4ea6\u53ef\u56e0\u5e02\u5834\u53ca\u9280\u884c\u653f\u7b56\u8abf\u6574\u3002<\/p>\n<p>\u56e0\u6b64\uff0c\u4e0d\u80fd\u55ae\u7d14\u8aaa H\u6309\u4e00\u5b9a\u6bd4 P\u6309\u597d\uff0c\u6216\u8005 P\u6309\u4e00\u5b9a\u6bd4\u8f03\u7a69\u9663\u3002<\/p>\n<p>\u6bd4\u8f03\u6642\u61c9\u540c\u6642\u770b\uff1a<\/p>\n<p><strong>\u5be6\u969b\u6309\u606f + \u5c01\u9802\u606f\u7387 + \u73fe\u91d1\u56de\u8d08 + \u7f70\u606f\u671f + \u9810\u8a08\u6301\u6709\u5e74\u671f\u3002<\/strong><\/p>\n<hr>\n<h3>2026 \u5e74\u662f\u5426\u503c\u5f97\u8003\u616e\u5b9a\u606f\u6309\u63ed\uff1f<\/h3>\n<p>\u503c\u5f97\u4e00\u4f75\u6bd4\u8f03\u3002<\/p>\n<p>2026 \u5e74 9 \u6708\u90e8\u5206\u9280\u884c\u91cd\u65b0\u63a8\u51fa\u5b9a\u606f\u65b9\u6848\u3002\u4f8b\u5982\u6052\u751f\u516c\u5e03\u7684\u6307\u5b9a\u4f4f\u5b85\u6309\u63ed\u8a08\u5283\uff0c\u9996 3 \u5e74\u5b9a\u606f\u53ef\u4f4e\u81f3 <strong>2.93%<\/strong>\uff0c\u4e26\u53ef\u6db5\u84cb\u5408\u8cc7\u683c\u8f49\u6309\u53ca\u5957\u73fe\u500b\u6848\u3002<\/p>\n<p>\u4ee5\u7576\u6642\u4e00\u822c H\u6309\u5c01\u9802\u7d04 3.25% \u8a08\u7b97\uff0c2.93% \u5b9a\u606f\u5728\u9996\u4e09\u5e74\u7684\u540d\u7fa9\u606f\u7387\u7d04\u4f4e <strong>0.32 \u500b\u767e\u5206\u9ede<\/strong>.<\/p>\n<p>\u4f46\u5b9a\u606f\u4e26\u4e0d\u4ee3\u8868\u4e00\u5b9a\u662f\u6700\u4f4e\u7e3d\u6210\u672c\u3002\u7533\u8acb\u524d\u4ecd\u8981\u6bd4\u8f03\uff1a<\/p>\n<ul>\n<li>\n<p>\u5b9a\u606f\u671f\u6709\u591a\u9577<\/p>\n<\/li>\n<li>\n<p>\u5b9a\u606f\u671f\u5f8c\u8f49\u7528\u751a\u9ebc\u606f\u7387<\/p>\n<\/li>\n<li>\n<p>Rebate<\/p>\n<\/li>\n<li>\n<p>Penalty Period<\/p>\n<\/li>\n<li>\n<p>Early Repayment Terms<\/p>\n<\/li>\n<li>\n<p>\u662f\u5426\u6253\u7b97\u77ed\u671f\u5167\u51fa\u552e\u6216\u518d\u6b21\u8f49\u6309<\/p>\n<\/li>\n<\/ul>\n<p>\u5982\u679c\u9810\u8a08\u6578\u500b\u6708\u5167\u4fbf\u6e05\u9084\u8cb8\u6b3e\uff0c\u7f70\u606f\u53ca\u56de\u8d08 clawback \u5f80\u5f80\u6bd4 0.2%\u20130.3% \u7684\u606f\u5dee\u66f4\u52a0\u91cd\u8981\u3002<\/p>\n<hr>\n<h2>2026 \u9280\u884c\u8f49\u6309\u73fe\u91d1\u56de\u8d08\uff1a\u70ba\u751a\u9ebc\u4e0d\u80fd\u53ea\u770b\u6700\u9ad8\u767e\u5206\u6bd4\uff1f<\/h2>\n<p>\u622a\u81f3 2026 \u5e74 9 \u6708\uff0c\u9280\u884c\u6309\u63ed\u73fe\u91d1\u56de\u8d08\u7af6\u722d\u518d\u6b21\u5347\u6eab\u3002<\/p>\n<p>\u5e02\u5834\u5831\u9053\u986f\u793a\uff0c\u90e8\u5206\u9280\u884c\u6307\u5b9a\u5ba2\u6236\u6216\u8f03\u5927\u8cb8\u6b3e\u984d\u53ef\u898b\u7d04 <strong>1.4%\u20131.5%<\/strong> \u73fe\u91d1\u56de\u8d08\uff1b\u4e00\u822c\u5be6\u969b\u512a\u60e0\u5247\u8996\u4e4e\u8cb8\u6b3e\u984d\u3001\u7269\u696d\u3001\u5ba2\u6236\u95dc\u4fc2\u53ca\u9280\u884c\u7576\u6642\u63a8\u5ee3\u800c\u5b9a\u3002<\/p>\n<p>\u56e0\u6b64\u641c\u5c0b\u300c\u6700\u9ad8\u8f49\u6309\u56de\u8d08\u300d\u6642\uff0c\u8981\u7279\u5225\u7559\u610f\u4ee5\u4e0b\u4e09\u4ef6\u4e8b\u3002<\/p>\n<h3>1. \u56de\u8d08\u8d85\u904e 1%\uff0c\u6703\u5f71\u97ff\u6309\u63ed\u6210\u6578\u8a08\u7b97<\/h3>\n<p>\u9999\u6e2f\u91d1\u7ba1\u5c40\u7684\u898f\u5b9a\u4e26\u4e0d\u662f\u300c\u56de\u8d08\u8d85\u904e 1% \u5c31\u4e0d\u80fd\u6536\u300d\u3002<\/p>\n<p>\u6b63\u78ba\u7406\u89e3\u662f\uff1a<\/p>\n<p><strong>\u82e5\u4f4f\u5b85\u6309\u63ed\u73fe\u91d1\u56de\u8d08\u8d85\u904e\u8cb8\u6b3e\u984d 1%\uff0c\u6574\u7b46\u73fe\u91d1\u56de\u8d08\u9808\u7d0d\u5165\u8cb8\u6b3e\u984d\u8a08\u7b97 LTV\u3002<\/strong><\/p>\n<p>\u4f8b\u5982\u4f60\u672c\u8eab\u5df2\u7d93\u501f\u5230\u76e3\u7ba1\u6210\u6578\u4e0a\u9650\uff0c\u9ad8\u56de\u8d08\u53ef\u80fd\u4ee4\u9280\u884c\u9700\u8981\u8abf\u4f4e\u5be6\u969b\u6279\u51fa\u7684\u6309\u63ed\u672c\u91d1\uff0c\u5f9e\u800c\u5f71\u97ff\u4f60\u771f\u6b63\u53ef\u4ee5\u5957\u73fe\u7684\u91d1\u984d\u3002<\/p>\n<p>\u6240\u4ee5\uff1a<\/p>\n<p><strong>1.5% \u56de\u8d08\u4e0d\u4e00\u5b9a\u6bd4 1% \u56de\u8d08\u5be6\u969b\u62ff\u5230\u66f4\u591a\u73fe\u91d1\u3002<\/strong><\/p>\n<hr>\n<h3>2. \u300c\u6700\u9ad8\u56de\u8d08\u300d\u901a\u5e38\u6709\u8cb8\u6b3e\u984d\u6216\u5ba2\u6236\u689d\u4ef6<\/h3>\n<p>\u4e0d\u540c\u9280\u884c\u7684 tiering \u53ef\u4ee5\u76f8\u5dee\u5f88\u5927\u3002<\/p>\n<p>\u4ee5 2026 \u5e74 9 \u6708\u5e02\u5834\u8cc7\u6599\u70ba\u4f8b\uff0c\u90e8\u5206\u8a08\u5283\u5728 HK$5,000,000 \u6216\u4ee5\u4e0a\u8cb8\u6b3e\u5df2\u53ef\u63d0\u4f9b\u7d04 1.4% \u56de\u8d08\uff1b\u53e6\u4e00\u4e9b\u9280\u884c\u5247\u8981\u9054\u5230 HK$10,000,000 \u6216\u66f4\u9ad8\u8cb8\u6b3e\u984d\uff0c\u624d\u6709\u6a5f\u6703\u53d6\u5f97\u6700\u9ad8\u56de\u8d08\u3002<\/p>\n<p>\u56e0\u6b64\uff0c\u4e0d\u61c9\u53ea\u554f\uff1a<\/p>\n<p><strong>\u300c\u6700\u9ad8\u56de\u8d08\u5e7e\u591a\uff1f\u300d<\/strong><\/p>\n<p>\u800c\u61c9\u554f\uff1a<\/p>\n<p><strong>\u300c\u4ee5\u6211\u5be6\u969b\u501f\u6b3e\u984d\uff0c\u6700\u7d42\u7372\u6279\u56de\u8d08\u662f\u591a\u5c11\uff1f\u300d<\/strong><\/p>\n<hr>\n<h3>3. \u63d0\u65e9\u6e05\u9084\uff0c\u53ef\u80fd\u8981\u9000\u56de\u73fe\u91d1\u56de\u8d08<\/h3>\n<p>\u9280\u884c\u8f49\u6309\u901a\u5e38\u8a2d\u6709\u6307\u5b9a\u512a\u60e0\u6216\u7f70\u606f\u671f\u3002<\/p>\n<p>\u5982\u679c\u5728\u6307\u5b9a\u671f\u9650\u5167\uff1a<\/p>\n<ul>\n<li>\n<p>\u5168\u6578\u6e05\u9084<\/p>\n<\/li>\n<li>\n<p>\u90e8\u5206\u63d0\u524d\u9084\u6b3e<\/p>\n<\/li>\n<li>\n<p>\u51fa\u552e\u7269\u696d<\/p>\n<\/li>\n<li>\n<p>\u518d\u6b21\u8f49\u6309<\/p>\n<\/li>\n<\/ul>\n<p>\u53ef\u80fd\u9700\u8981\u652f\u4ed8\u63d0\u524d\u9084\u6b3e\u8cbb\u7528\uff0c\u6216\u8005\u9000\u9084\u90e8\u5206\u751a\u81f3\u5168\u90e8\u73fe\u91d1\u56de\u8d08\u3002<\/p>\n<p>\u4e0d\u540c\u8a08\u5283\u5dee\u7570\u5f88\u5927\uff0c\u4f8b\u5982\u500b\u5225\u5e02\u5834\u65b9\u6848\u9996\u5e74\u5168\u6578\u63d0\u524d\u6e05\u9084\u53ef\u6d89\u53ca\u7d04 2% \u8cbb\u7528\uff0c\u5176\u4ed6\u7522\u54c1\u5247\u53ef\u80fd\u6c92\u6709\u5168\u6578\u9084\u6b3e\u7f70\u606f\uff0c\u4f46\u9700\u8981\u9000\u56de\u73fe\u91d1\u56de\u8d08\u3002<\/p>\n<p>\u6240\u4ee5\u300c\u534a\u5e74\u5f8c\u6e96\u5099\u9084\u9322\u300d\u7684\u696d\u4e3b\u5c24\u5176\u8981\u5148\u770b <strong>Facility Letter \/ Offer Letter \u7684 redemption \u689d\u6b3e<\/strong>.<\/p>\n<hr>\n<h2>\u8f49\u6309\u96b1\u85cf\u6210\u672c\uff1a\u771f\u6b63\u8981\u8a08\u7684\u4e0d\u53ea\u662f\u5229\u606f<\/h2>\n<p>\u4e00\u500b\u8f03\u5b8c\u6574\u7684\u8f49\u6309\u6210\u672c\u516c\u5f0f\u662f\uff1a<\/p>\n<p>**\u8f49\u6309\u7e3d\u6210\u672c<br \/>= \u5229\u606f\u652f\u51fa<\/p>\n<ul>\n<li>\n<p>Legal Fees<\/p>\n<\/li>\n<li>\n<p>\u884c\u653f\uff0f\u6309\u63ed\u76f8\u95dc\u8cbb\u7528<\/p>\n<\/li>\n<li>\n<p>\u63d0\u524d\u9084\u6b3e\u7f70\u606f<\/p>\n<\/li>\n<li>\n<p>\u9700\u8981\u9000\u56de\u7684\u73fe\u91d1\u56de\u8d08<br \/>\u2212 \u65b0\u6309\u63ed\u73fe\u91d1\u56de\u8d08<br \/>\u2212 \u7372\u8c41\u514d\u7684\u8cbb\u7528**<\/p>\n<\/li>\n<\/ul>\n<h3>1. \u5f8b\u5e2b\u8cbb<\/h3>\n<p>\u8f49\u6309\u6d89\u53ca\u89e3\u9664\u539f\u6709\u62b5\u62bc\u53ca\u91cd\u65b0\u8fa6\u7406\u6309\u63ed\u6cd5\u5f8b\u6587\u4ef6\uff0c\u56e0\u6b64\u4e00\u822c\u9700\u8981\u5f8b\u5e2b\u8655\u7406\u3002<\/p>\n<p>\u5e02\u5834\u6536\u8cbb\u6703\u56e0\u7269\u696d\u53ca\u500b\u6848\u8907\u96dc\u7a0b\u5ea6\u800c\u4e0d\u540c\uff0c\u666e\u901a\u4f4f\u5b85\u8f49\u6309\u53ef\u898b\u7d04 <strong>HK$4,500\u2013HK$10,000<\/strong> \u7684\u5e02\u5834\u6536\u8cbb\u6c34\u5e73\u3002<\/p>\n<hr>\n<h3>2. \u4f30\u50f9\u8cbb<\/h3>\n<p>\u5f88\u591a\u9280\u884c\u7684\u57fa\u672c\u7269\u696d\u4f30\u50f9\u672c\u8eab\u662f\u514d\u8cbb\uff0c\u6216\u8005\u7531\u9280\u884c\u5b89\u6392\u53ca\u627f\u64d4\uff0c\u56e0\u6b64\u4e0d\u5b9c\u5c07\u300c\u4f30\u50f9\u8cbb\u300d\u63cf\u8ff0\u6210\u6240\u6709\u9280\u884c\u8f49\u6309\u5ba2\u6236\u90fd\u4e00\u5b9a\u8981\u652f\u4ed8\u7684\u4e3b\u8981\u6210\u672c\u3002<\/p>\n<p>\u771f\u6b63\u66f4\u91cd\u8981\u7684\u662f <strong>\u4f30\u50f9\u4e0d\u8db3<\/strong>.<\/p>\n<p>For example:<\/p>\n<p>\u5e02\u5834\u9810\u671f\u7269\u696d\u503c HK$10,000,000\uff0c\u4f46\u9280\u884c\u4f30\u50f9\u53ea\u6709 HK$8,500,000\u3002<\/p>\n<p>\u5373\u4f7f\u6309\u63ed\u6210\u6578\u540c\u6a23\u662f 70%\uff0c\u6700\u9ad8\u8cb8\u6b3e\u984d\u4ea6\u6703\u7531 HK$7,000,000 \u964d\u81f3\u7d04 HK$5,950,000\u3002<\/p>\n<p>\u5c0d\u5e0c\u671b\u8f49\u6309\u5957\u73fe\u7684\u696d\u4e3b\u800c\u8a00\uff0c\u9019\u500b\u5dee\u8ddd\u5f80\u5f80\u6bd4\u6578\u5343\u5143\u4f30\u50f9\u8cbb\u91cd\u8981\u5f97\u591a\u3002<\/p>\n<hr>\n<h3>3. \u539f\u6709\u6309\u63ed\u7684\u7f70\u606f\u53ca\u56de\u8d08\u9000\u9084<\/h3>\n<p>\u5982\u679c\u539f\u6309\u63ed\u4ecd\u8655\u65bc penalty period\uff0c\u8f49\u6309\u524d\u5fc5\u9808\u5148\u5411\u539f\u6709\u9280\u884c\u78ba\u8a8d\uff1a<\/p>\n<ul>\n<li>\n<p>\u7f70\u606f\u671f\u622a\u6b62\u65e5\u671f<\/p>\n<\/li>\n<li>\n<p>\u5168\u6578\u9084\u6b3e\u8cbb\u7528<\/p>\n<\/li>\n<li>\n<p>\u90e8\u5206\u9084\u6b3e\u8cbb\u7528<\/p>\n<\/li>\n<li>\n<p>\u662f\u5426\u9700\u8981\u9000\u56de\u539f\u6709\u73fe\u91d1\u56de\u8d08<\/p>\n<\/li>\n<li>\n<p>\u662f\u5426\u53e6\u6709\u884c\u653f\u8cbb<\/p>\n<\/li>\n<\/ul>\n<p>\u6700\u7406\u60f3\u7684\u6bd4\u8f03\u6642\u9593\u901a\u5e38\u662f\u5728 <strong>\u539f\u6709\u7f70\u606f\u671f\u63a5\u8fd1\u5b8c\u7d50\u524d\u6578\u661f\u671f\u81f3\u6578\u6708<\/strong>\uff0c\u800c\u4e0d\u662f\u7b49\u7f70\u606f\u671f\u5b8c\u7d50\u7576\u65e5\u624d\u958b\u59cb\u7533\u8acb\u3002<\/p>\n<hr>\n<h2>\u9280\u884c\u8f49\u6309 vs GICL \u74b0\u7403\u4fe1\u8cb8\uff1a\u61c9\u8a72\u6bd4\u8f03\u751a\u9ebc\uff1f<\/h2>\n<p>\u9280\u884c\u548c\u6301\u724c\u8ca1\u52d9\u6a5f\u69cb\u7684\u5b9a\u4f4d\u4e0d\u540c\u3002<\/p>\n<p>\u5982\u679c\u55ae\u770b\u9577\u671f\u501f\u8cb8\u5229\u7387\uff0c\u9280\u884c\u6309\u63ed\u4e00\u822c\u8f03\u4f4e\uff1b\u4f46\u5982\u679c\u501f\u6b3e\u4eba\u9700\u8981\u8f03\u9ad8\u5957\u73fe\u6210\u6578\u3001\u5165\u606f\u6587\u4ef6\u4e0d\u5b8c\u6574\u3001\u7269\u696d\u985e\u578b\u8f03\u7279\u6b8a\uff0c\u6216\u8005\u8cc7\u91d1\u6642\u9593\u8981\u6c42\u8f03\u6025\uff0c\u4fbf\u9700\u8981\u540c\u6642\u6bd4\u8f03\u975e\u9280\u884c\u6309\u63ed\u65b9\u6848\u3002<\/p>\n<table class=\"border-collapse table-auto w-full\" style=\"min-width: 75px;\">\n<colgroup>\n<col style=\"min-width: 25px;\">\n<col style=\"min-width: 25px;\">\n<col style=\"min-width: 25px;\"><\/colgroup>\n<tbody>\n<tr>\n<th class=\"border border-border bg-surface-sunken px-3 py-2 text-left font-medium\" colspan=\"1\" rowspan=\"1\">\n<p>Comparison Item<\/p>\n<\/th>\n<th class=\"border border-border bg-surface-sunken px-3 py-2 text-left font-medium\" colspan=\"1\" rowspan=\"1\">\n<p>\u50b3\u7d71\u9280\u884c\u8f49\u6309<\/p>\n<\/th>\n<th class=\"border border-border bg-surface-sunken px-3 py-2 text-left font-medium\" colspan=\"1\" rowspan=\"1\">\n<p>\ud83c\udf10 GICL (Second Mortgage Cash-out)<\/p>\n<\/th>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5229\u7387<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e00\u822c\u8f03\u4f4e\uff1b2026 \u5e74 9 \u6708 H\u6309\u5c01\u9802\u7d04 3.25%\uff0c\u6307\u5b9a\u5b9a\u606f\u7d04 2.93%<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e00\u822c\u9ad8\u65bc\u9280\u884c\uff0c\u61c9\u4ee5\u500b\u5225\u6b63\u5f0f\u5831\u50f9\u53ca\u5be6\u969b\u5e74\u5229\u7387\u6bd4\u8f03<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e00\u822c\u6309\u63ed\u6210\u6578<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u76e3\u7ba1\u4e0a\u9650\u4e00\u822c 70%\uff0c\u53e6\u6709\u6307\u5b9a\u6309\u4fdd\u5b89\u6392<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>GICL \u73fe\u884c\u7522\u54c1\u8cc7\u6599\u986f\u793a\u6700\u9ad8\u53ef\u9054\u7269\u696d\u4f30\u503c 80%\uff0c\u9808\u7d93\u4f30\u50f9\u53ca\u5be9\u6279<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5165\u606f\u6587\u4ef6<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u4e00\u822c\u9808\u4f5c\u9084\u6b3e\u80fd\u529b\u53ca\u6536\u5165\u5be9\u6838<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6307\u5b9a\u7269\u696d\u6309\u63ed\u7522\u54c1\u53ef\u514d\u5165\u606f\u8b49\u660e\uff0c\u9808\u8996\u7522\u54c1\u53ca\u5be9\u6279<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>Property Type:<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u9280\u884c\u4f30\u503c\u53ca\u7269\u696d\u8981\u6c42\u4e00\u822c\u8f03\u6a19\u6e96\u5316<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u53ef\u8655\u7406\u8f03\u5ee3\u6cdb\u7269\u696d\u985e\u578b\uff0c\u5be6\u969b\u4f30\u50f9\u53ca\u6279\u6838\u8996\u500b\u6848<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>Approval Speed<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u521d\u6b65\u6279\u6838\u53ef\u4ee5\u5f88\u5feb\uff0c\u4f46\u5b8c\u6574\u8f49\u6309\u6d89\u53ca\u4f30\u50f9\u3001\u8d16\u5951\u3001\u5f8b\u5e2b\u53ca\u63d0\u6b3e\u7a0b\u5e8f<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>GICL \u73fe\u884c\u7522\u54c1\u8cc7\u6599\u6a19\u793a\u6700\u5feb 15 \u5206\u9418\u521d\u6b65\u6279\u6838\u3001\u5b8c\u6210\u7a0b\u5e8f\u5f8c\u6700\u5feb 24 \u5c0f\u6642\u63d0\u6b3e<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5f8b\u5e2b\uff0f\u4f30\u50f9\uff0f\u624b\u7e8c\u8cbb<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u8996\u9280\u884c\u53ca\u500b\u6848\uff1b\u4f30\u50f9\u5f88\u591a\u6642\u514d\u8cbb\uff0c\u4f46\u5f8b\u5e2b\u8cbb\u901a\u5e38\u9700\u8003\u616e<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6307\u5b9a\u512a\u60e0\u53ef\u8c41\u514d\u76f8\u95dc\u8cbb\u7528\uff0c\u4ee5\u7576\u671f\u63a8\u5ee3\u53ca\u5408\u7d04\u70ba\u6e96<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>Early Repayment<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u5e38\u898b\u8a2d\u7f70\u606f\u671f\u53ca\uff0f\u6216\u56de\u8d08 clawback<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u90e8\u5206\u5f48\u6027\u65b9\u6848\u53ef\u63d0\u4f9b\u514d\u7f70\u606f\u63d0\u65e9\u9084\u6b3e\uff0c\u4ee5\u6b63\u5f0f\u5408\u7d04\u689d\u6b3e\u70ba\u6e96<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u8f03\u9069\u5408<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u6709\u7a69\u5b9a\u6536\u5165\u6587\u4ef6\u3001\u8ffd\u6c42\u8f03\u4f4e\u9577\u671f\u8cc7\u91d1\u6210\u672c<\/p>\n<\/td>\n<td class=\"border border-border px-3 py-2\" colspan=\"1\" rowspan=\"1\">\n<p>\u91cd\u8996\u5957\u73fe\u984d\u3001\u901f\u5ea6\u3001\u6587\u4ef6\u5f48\u6027\u6216\u7269\u696d\u689d\u4ef6\u8f03\u7279\u6b8a\u7684\u500b\u6848<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>\u91cd\u9ede\u4e0d\u662f\u54ea\u4e00\u985e\u8cb8\u6b3e\u300c\u4e00\u5b9a\u8f03\u597d\u300d\uff0c\u800c\u662f\u54ea\u4e00\u500b\u65b9\u6848\u5728\u4f60\u7684\u5be6\u969b\u501f\u6b3e\u671f\u5167\u7e3d\u6210\u672c\u8f03\u4f4e\uff0c\u800c\u4e14\u80fd\u5728\u9700\u8981\u8cc7\u91d1\u7684\u6642\u9593\u524d\u5b8c\u6210\u63d0\u6b3e\u3002<\/strong><\/p>\n<hr>\n<h2>\u5be6\u4f8b\uff1a\u501f HK$500 \u842c\uff0c\u53ea\u7528 6 \u500b\u6708\uff0c\u61c9\u600e\u6a23\u6bd4\u8f03\uff1f<\/h2>\n<p>\u5047\u8a2d\u696d\u4e3b\u9700\u8981\u5957\u73fe <strong>HK$5,000,000<\/strong> \u4f5c\u77ed\u671f\u751f\u610f\u5468\u8f49\uff0c\u9810\u8a08\u516d\u500b\u6708\u5f8c\u6e05\u9084\u3002<\/p>\n<p>\u5982\u679c\u9280\u884c\u5be6\u969b\u6309\u606f\u70ba 3.25%\uff0c\u4ee5\u6700\u7c21\u55ae\u3001\u4e0d\u8003\u616e\u672c\u91d1\u9010\u6708\u4e0b\u964d\u7684\u793a\u610f\u8a08\u7b97\uff1a<\/p>\n<p><strong>HK$5,000,000 \u00d7 3.25% \u00d7 6\/12<br \/>\u2248 HK$81,250 \u5229\u606f<\/strong><\/p>\n<p>\u4f46 HK$81,250 \u4e26\u4e0d\u662f\u5b8c\u6574\u6210\u672c\u3002<\/p>\n<p>\u9084\u9700\u8981\u52a0\u5165\uff1a<\/p>\n<ul>\n<li>\n<p>Legal Fees<\/p>\n<\/li>\n<li>\n<p>\u662f\u5426\u9700\u8981\u652f\u4ed8\u63d0\u524d\u9084\u6b3e\u8cbb<\/p>\n<\/li>\n<li>\n<p>\u662f\u5426\u9700\u8981\u9000\u9084\u73fe\u91d1\u56de\u8d08<\/p>\n<\/li>\n<li>\n<p>\u5be6\u969b\u53ef\u4ee5\u5957\u73fe\u591a\u5c11<\/p>\n<\/li>\n<li>\n<p>\u7531\u7533\u8acb\u81f3\u63d0\u6b3e\u9700\u8981\u591a\u4e45<\/p>\n<\/li>\n<\/ul>\n<p>\u76f8\u53cd\uff0c\u5982\u679c\u4f7f\u7528\u5229\u7387\u8f03\u9ad8\u4f46\u53ef\u4ee5\u8f03\u5feb\u63d0\u6b3e\u3001\u4e26\u6709\u8f03\u9748\u6d3b\u63d0\u524d\u9084\u6b3e\u689d\u6b3e\u7684\u65b9\u6848\uff0c\u5c31\u8981\u8a08\u7b97\uff1a<\/p>\n<p><strong>\u984d\u5916\u5229\u606f\u6210\u672c\u662f\u5426\u4f4e\u65bc\u8cc7\u91d1\u5ef6\u8aa4\u6240\u9020\u6210\u7684\u5be6\u969b\u5546\u696d\u6210\u672c\u3002<\/strong><\/p>\n<p>\u56e0\u6b64\uff0c\u4e0d\u5efa\u8b70\u518d\u7528\u300c\u9280\u884c\u534a\u5e74\u4e00\u5b9a\u7f70 HK$100,000\uff0c\u800c\u8ca1\u52d9\u516c\u53f8\u4e00\u5b9a\u8f03\u62b5\u300d\u9019\u985e\u4e00\u5200\u5207\u6bd4\u8f03\u3002<\/p>\n<p>\u6700\u6e96\u78ba\u7684\u65b9\u6cd5\uff0c\u662f\u628a\u5169\u4efd\u5be6\u969b\u6279\u6838\u689d\u6b3e\u653e\u5728\u4e00\u8d77\u6bd4\u8f03\uff1a<\/p>\n<blockquote>\n<p><strong>6 \u500b\u6708\u5be6\u969b\u7e3d\u6210\u672c + \u53ef\u5957\u73fe\u91d1\u984d + \u6700\u5feb\u63d0\u6b3e\u65e5\u671f + \u63d0\u524d\u9084\u6b3e\u6210\u672c<\/strong><\/p>\n<\/blockquote>\n<hr>\n<h2>2026 \u5e74\u9280\u884c\u8f49\u6309\u6700\u9ad8\u53ef\u4ee5\u501f\u5e7e\u591a\u6210\uff1f<\/h2>\n<p>\u76ee\u524d\u9999\u6e2f\u91d1\u7ba1\u5c40\u5c0d\u4e00\u822c\u7269\u696d\u6309\u63ed\u7684\u6700\u9ad8 LTV \u76e3\u7ba1\u6c34\u5e73\u70ba <strong>70%<\/strong>\uff0c\u4e00\u822c DSR \u4e0a\u9650\u5247\u70ba <strong>50%<\/strong>\uff0c\u800c\u81ea\u4f4f\u8207\u975e\u81ea\u4f4f\u7269\u696d\u7684\u76f8\u95dc\u76e3\u7ba1\u6846\u67b6\u5df2\u7d93\u7c21\u5316\u3002\u5be6\u969b\u9280\u884c\u4ecd\u53ef\u56e0\u7269\u696d\u4f30\u50f9\u3001\u6536\u5165\u3001\u4fe1\u8cb8\u72c0\u6cc1\u53ca\u5167\u90e8\u98a8\u96aa\u653f\u7b56\u6279\u51fa\u8f03\u4f4e\u6210\u6578\u3002<\/p>\n<p>\u81f3\u65bc\u6309\u63ed\u4fdd\u96aa\uff0c\u4e0d\u80fd\u7c21\u55ae\u7406\u89e3\u70ba\u300c\u8f49\u6309\u4e00\u5b9a\u53ef\u4ee5\u505a\u5230\u4e5d\u6210\u300d\u3002<\/p>\n<p>\u9999\u6e2f\u6309\u8b49\u4fdd\u96aa\u76ee\u524d\u8a2d\u6709\u6307\u5b9a\u7684 <strong>\u5177\u5957\u73fe\u518d\u878d\u8cc7\uff08cash-out refinancing\uff09<\/strong> \u5b89\u6392\uff0c\u5408\u8cc7\u683c\u500b\u6848\u6700\u9ad8\u53ef\u7533\u8acb\u81f3 <strong>80%<\/strong>\uff0c\u4f46\u7269\u696d\u50f9\u503c\u3001\u8cb8\u6b3e\u984d\u3001\u7528\u9014\u53ca\u7533\u8acb\u4eba\u689d\u4ef6\u5747\u9808\u7b26\u5408\u76f8\u95dc\u8981\u6c42\u3002<\/p>\n<p>GICL \u73fe\u884c\u7269\u696d\u6309\u63ed\u7522\u54c1\u8cc7\u6599\u5247\u986f\u793a\uff0c\u5408\u8cc7\u683c\u500b\u6848\u6700\u9ad8\u8cb8\u6b3e\u984d\u53ef\u9054\u7269\u696d\u4f30\u503c <strong>80%<\/strong>\uff0c\u6700\u7d42\u4ecd\u9808\u8996\u7269\u696d\u4f30\u50f9\u53ca\u5be9\u6279\u7d50\u679c\u800c\u5b9a\u3002<\/p>\n<hr>\n<h1>Remortgage FAQ<\/h1>\n<h3>Q1\uff1a2026 \u5e74\u7533\u8acb\u8f49\u6309\u9084\u9700\u8981\u58d3\u529b\u6e2c\u8a66\u55ce\uff1f<\/h3>\n<p><strong>\u4e0d\u7528\u518d\u9032\u884c\u91d1\u7ba1\u5c40\u539f\u6709\u7684\u6309\u63ed\u5229\u7387\u58d3\u529b\u6e2c\u8a66\u3002<\/strong> \u91d1\u7ba1\u5c40\u5df2\u65bc 2024 \u5e74 2 \u6708 28 \u65e5\u66ab\u505c\u76f8\u95dc\u8981\u6c42\u3002\u4e0d\u904e\uff0c\u9280\u884c\u4ecd\u6703\u8a55\u4f30\u7533\u8acb\u4eba\u7684\u6536\u5165\u3001\u73fe\u6709\u8ca0\u50b5\u3001DSR\u3001\u4fe1\u8cb8\u72c0\u6cc1\u53ca\u7269\u696d\u4f30\u503c\uff0c\u6240\u4ee5\u300c\u53d6\u6d88\u58d3\u529b\u6e2c\u8a66\u300d\u4e26\u4e0d\u7b49\u65bc\u9280\u884c\u4e0d\u518d\u5be9\u67e5\u9084\u6b3e\u80fd\u529b\u3002<\/p>\n<h3>Q2\uff1a2026 \u5e74\u8f49\u6309\u6700\u9ad8\u53ef\u4ee5\u501f\u5e7e\u591a\u6210\uff1f<\/h3>\n<p>\u4e00\u822c\u9280\u884c\u7269\u696d\u6309\u63ed\u76ee\u524d\u76e3\u7ba1 LTV \u4e0a\u9650\u70ba <strong>70%<\/strong>\uff0c\u5be6\u969b\u6279\u6838\u4ecd\u7531\u9280\u884c\u6c7a\u5b9a\u3002\u7b26\u5408\u9999\u6e2f\u6309\u8b49\u4fdd\u96aa\u6307\u5b9a\u300c\u5177\u5957\u73fe\u518d\u878d\u8cc7\u300d\u689d\u4ef6\u7684\u500b\u6848\uff0c\u53ef\u7533\u8acb\u8f03\u9ad8\u6210\u6578\uff0c\u73fe\u884c\u6307\u5b9a\u5b89\u6392\u6700\u9ad8\u53ef\u81f3 <strong>80%<\/strong>.<\/p>\n<h3>Q3\uff1a\u8f49\u6309\u73fe\u91d1\u56de\u8d08\u8d85\u904e 1% \u662f\u5426\u4e0d\u80fd\u6536\uff1f<\/h3>\n<p>\u4e0d\u662f\u3002\u82e5\u4f4f\u5b85\u6309\u63ed\u73fe\u91d1\u56de\u8d08\u8d85\u904e\u8cb8\u6b3e\u984d <strong>1%<\/strong>\uff0c\u91d1\u7ba1\u5c40\u8981\u6c42\u9280\u884c\u628a<strong>\u6574\u7b46\u73fe\u91d1\u56de\u8d08\u7d0d\u5165 LTV \u8cb8\u6b3e\u984d\u8a08\u7b97<\/strong>\u3002\u5982\u679c\u7533\u8acb\u4eba\u672c\u8eab\u5df2\u501f\u5230\u6210\u6578\u4e0a\u9650\uff0c\u53ef\u80fd\u56e0\u6b64\u964d\u4f4e\u5be6\u969b\u53ef\u6279\u6309\u63ed\u672c\u91d1\u53ca\u53ef\u5957\u73fe\u91d1\u984d\u3002<\/p>\n<h3>Q4\uff1a2026 \u5e74 H\u6309\u3001P\u6309\u9084\u662f\u5b9a\u606f\u6bd4\u8f03\u597d\uff1f<\/h3>\n<p>\u61c9\u6309\u5be6\u969b\u689d\u6b3e\u6bd4\u8f03\u3002\u622a\u81f3 2026 \u5e74 9 \u6708\uff0c\u5e02\u5834\u5e38\u898b H\u6309\u7d04 <strong>H+1.3%<\/strong>\u3001\u5c01\u9802\u7d04 <strong>3.25%<\/strong>\uff1b\u90e8\u5206\u6307\u5b9a\u5b9a\u606f\u8a08\u5283\u9996\u4e09\u5e74\u53ef\u4f4e\u81f3 <strong>2.93%<\/strong>\u3002\u4f46\u73fe\u91d1\u56de\u8d08\u3001\u7f70\u606f\u671f\u53ca\u9810\u8a08\u6301\u6709\u5e74\u671f\u90fd\u6703\u5f71\u97ff\u6700\u7d42\u7e3d\u6210\u672c\u3002<\/p>\n<h3>Q5\uff1a\u9280\u884c\u8f49\u6309\u4e00\u822c\u8981\u5e7e\u8010\uff1f<\/h3>\n<p>\u300c\u521d\u6b65\u6279\u6838\u300d\u548c\u300c\u5b8c\u6210\u8f49\u6309\u63d0\u6b3e\u300d\u662f\u5169\u56de\u4e8b\u3002\u500b\u5225\u9280\u884c\u53ef\u4ee5\u5f88\u5feb\u4f5c\u521d\u6b65\u5be9\u6279\uff0c\u4f46\u5b8c\u6574\u8f49\u6309\u4ecd\u6d89\u53ca\u7269\u696d\u4f30\u50f9\u3001\u6b63\u5f0f\u5be9\u6279\u3001\u5f8b\u5e2b\u6a13\u8d16\u5951\u3001\u91cd\u65b0\u62b5\u62bc\u53ca\u63d0\u6b3e\uff0c\u56e0\u6b64\u5be6\u969b\u90e8\u7f72\u901a\u5e38\u61c9\u9810\u7559\u6578\u661f\u671f\uff0c\u8907\u96dc\u500b\u6848\u53ef\u66f4\u9577\u3002<\/p>\n<h3>Q6\uff1a\u5982\u679c\u9280\u884c\u4f30\u50f9\u4e0d\u8db3\uff0c\u9084\u53ef\u4ee5\u8f49\u6309\u55ce\uff1f<\/h3>\n<p>\u53ef\u4ee5\u518d\u6bd4\u8f03\u4e0d\u540c\u8cb8\u6b3e\u6a5f\u69cb\uff0c\u4f46\u6c92\u6709\u4eba\u53ef\u4ee5\u4fdd\u8b49\u4e00\u5b9a\u53d6\u5f97\u66f4\u9ad8\u4f30\u50f9\u3002\u4e0d\u540c\u9280\u884c\u6216\u8ca1\u52d9\u6a5f\u69cb\u53ef\u80fd\u4f7f\u7528\u4e0d\u540c\u4f30\u50f9\u6a5f\u5236\u3002\u4f30\u50f9\u8d8a\u4f4e\uff0c\u4ee5\u76f8\u540c LTV \u8a08\u7b97\u51fa\u7684\u6700\u9ad8\u8cb8\u6b3e\u984d\u4ea6\u8d8a\u4f4e\uff0c\u56e0\u6b64\u5c0d\u5e0c\u671b\u8f49\u6309\u5957\u73fe\u7684\u696d\u4e3b\u5c24\u5176\u91cd\u8981\u3002<\/p>\n<h3>Q7\uff1a\u5411\u8ca1\u52d9\u516c\u53f8\u505a\u6a13\u6309\u4e00\u5b9a\u4e0d\u5f71\u97ff TU \u55ce\uff1f<\/h3>\n<p>\u4e0d\u5b9c\u4e00\u6982\u800c\u8ad6\u3002\u4e0d\u540c\u8cb8\u6b3e\u6a5f\u69cb\u5c0d\u4fe1\u8cb8\u8cc7\u6599\u67e5\u95b1\u53ca\u8cc7\u6599\u63d0\u4ea4\u7684\u5b89\u6392\u53ef\u4ee5\u4e0d\u540c\uff0c\u4ea6\u6703\u8996\u4e4e\u7522\u54c1\u53ca\u500b\u6848\u3002\u82e5 TU \u662f\u4f60\u7684\u4e3b\u8981\u8003\u616e\uff0c\u7533\u8acb\u524d\u61c9\u76f4\u63a5\u5411\u8cb8\u6b3e\u6a5f\u69cb\u78ba\u8a8d\u662f\u5426\u67e5\u95b1\u53ca\uff0f\u6216\u5411\u4fe1\u8cb8\u8cc7\u6599\u670d\u52d9\u6a5f\u69cb\u63d0\u4ea4\u76f8\u95dc\u8cc7\u6599\u3002<\/p>\n<h3>Q8\uff1a\u751a\u9ebc\u6642\u5019\u6700\u9069\u5408\u8003\u616e\u8f49\u6309\uff1f<\/h3>\n<p>\u4e00\u822c\u53ef\u4ee5\u5728\u539f\u6709\u6309\u63ed\u7f70\u606f\u671f\u63a5\u8fd1\u5b8c\u7d50\u6642\u958b\u59cb\u6bd4\u8f03\u3002\u662f\u5426\u503c\u5f97\u8f49\u6309\uff0c\u61c9\u8a08\u7b97\u65b0\u820a\u6309\u63ed\u5728\u4f60\u9810\u8a08\u6301\u6709\u671f\u9593\u7684<strong>\u5229\u606f\u5dee\u3001\u73fe\u91d1\u56de\u8d08\u3001\u5f8b\u5e2b\u8cbb\u3001\u7f70\u606f\u3001\u56de\u8d08 clawback \u53ca\u53ef\u5957\u73fe\u91d1\u984d<\/strong>\uff0c\u800c\u4e0d\u662f\u53ea\u770b\u5ee3\u544a\u4e0a\u7684\u6700\u4f4e\u5229\u7387\u6216\u6700\u9ad8\u56de\u8d08\u3002<\/p>\n<hr>\n<h1>\u5982\u4f55\u6bd4\u8f03\u81ea\u5df1\u7684\u8f49\u6309\u5957\u73fe\u65b9\u6848\uff1f<\/h1>\n<p>\u5982\u679c\u60f3\u5feb\u901f\u77e5\u9053\u4e00\u500b\u8f49\u6309\u65b9\u6848\u662f\u5426\u503c\u5f97\uff0c\u5148\u6e96\u5099\u4ee5\u4e0b\u8cc7\u6599\uff1a<\/p>\n<ol>\n<li>\n<p>\u7269\u696d\u73fe\u6642\u4f30\u503c<\/p>\n<\/li>\n<li>\n<p>\u539f\u6709\u6309\u63ed\u5c1a\u6b20\u672c\u91d1<\/p>\n<\/li>\n<li>\n<p>\u73fe\u6709\u6309\u63ed\u5be6\u969b\u5229\u7387<\/p>\n<\/li>\n<li>\n<p>\u539f\u6709\u7f70\u606f\u671f\u622a\u6b62\u65e5\u671f<\/p>\n<\/li>\n<li>\n<p>\u5e0c\u671b\u5957\u73fe\u7684\u91d1\u984d<\/p>\n<\/li>\n<li>\n<p>\u6700\u9072\u9700\u8981\u8cc7\u91d1\u7684\u65e5\u671f<\/p>\n<\/li>\n<\/ol>\n<p>\u6709\u4e86\u4ee5\u4e0a\u8cc7\u6599\uff0c\u624d\u53ef\u4ee5\u771f\u6b63\u6bd4\u8f03\uff1a<\/p>\n<p><strong>\u9280\u884c\u4f4e\u606f\u65b9\u6848 vs \u8f03\u9ad8\u6210\u6578\uff0f\u8f03\u5feb\u63d0\u6b3e\u65b9\u6848\u7684\u5be6\u969b\u7e3d\u6210\u672c\u3002<\/strong><\/p>\n<p>\u4f60\u4ea6\u53ef\u4ee5\u4f7f\u7528 GICL \u7684 <a href=\"https:\/\/gicl.com.hk\/en\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u6309\u63ed\u8a08\u7b97\u5668<\/a> \u5148\u8a66\u7b97\u4e0d\u540c\u8cb8\u6b3e\u984d\u53ca\u9084\u6b3e\u65b9\u5f0f\u3002<\/p>\n<hr>\n<h2>\u514d\u8cbb\u521d\u6b65\u8a55\u4f30\u7269\u696d\u8f49\u6309\u5957\u73fe\u65b9\u6848<\/h2>\n<p>\u5982\u679c\u4f60\u5e0c\u671b\u4e86\u89e3\uff1a<\/p>\n<ul>\n<li>\n<p>\u7269\u696d\u76ee\u524d\u5927\u7d04\u53ef\u6279\u591a\u5c11<\/p>\n<\/li>\n<li>\n<p>\u6700\u591a\u53ef\u4ee5\u5957\u73fe\u591a\u5c11<\/p>\n<\/li>\n<li>\n<p>\u9700\u8981\u751a\u9ebc\u6587\u4ef6<\/p>\n<\/li>\n<li>\n<p>\u9280\u884c\u8f49\u6309\u8207 GICL \u65b9\u6848\u7684\u6210\u672c\u5dee\u8ddd<\/p>\n<\/li>\n<li>\n<p>\u77ed\u671f\u6e05\u9084\u662f\u5426\u6d89\u53ca\u7f70\u606f<\/p>\n<\/li>\n<\/ul>\n<p>\u53ef\u806f\u7d61 GICL \u74b0\u7403\u4fe1\u8cb8\u4f5c\u521d\u6b65\u8a55\u4f30\u3002<\/p>\n<p>GICL \u73fe\u884c\u7269\u696d\u6309\u63ed\u8cc7\u6599\u5305\u62ec\uff1a<\/p>\n<p>\u2705 \u5408\u8cc7\u683c\u500b\u6848\u6309\u63ed\u6210\u6578\u6700\u9ad8\u53ef\u9054\u7269\u696d\u4f30\u503c 80%<br \/>\u2705 \u6307\u5b9a\u7522\u54c1\u53ef\u514d\u5165\u606f\u8b49\u660e<br \/>\u2705 \u6700\u5feb 15 \u5206\u9418\u521d\u6b65\u6279\u6838<br \/>\u2705 \u5b8c\u6210\u6240\u9700\u7a0b\u5e8f\u5f8c\u6700\u5feb 24 \u5c0f\u6642\u63d0\u6b3e<br \/>\u2705 \u53ef\u8655\u7406\u591a\u7a2e\u4f4f\u5b85\u53ca\u975e\u4f4f\u5b85\u7269\u696d<br \/>\u2705 \u6307\u5b9a\u65b9\u6848\u63d0\u4f9b\u8cbb\u7528\u53ca\u63d0\u524d\u9084\u6b3e\u5f48\u6027<\/p>\n<p><strong>\u4ee5\u4e0a\u5747\u9808\u8996\u4e4e\u7269\u696d\u4f30\u503c\u3001\u5be9\u6279\u7d50\u679c\u3001\u7576\u671f\u512a\u60e0\u53ca\u6700\u7d42\u8cb8\u6b3e\u5408\u7d04\u689d\u6b3e\u3002<\/strong><\/p>\n<p><a href=\"\/en\/WhatsApp GICL\/\" target=\"_blank\" rel=\"noopener noreferrer\">WhatsApp \u806f\u7d61 GICL \u6309\u63ed\u9867\u554f\uff08\u514d\u8cbb\u521d\u6b65\u8a55\u4f30\uff09<\/a><\/p>\n<p><strong>\u67e5\u8a62\u53ca\u6295\u8a34\u71b1\u7dda\uff1a2111 0998<\/strong><\/p>\n<p>\u7db2\u4e0a\u514d\u8cbb\u7269\u696d\u521d\u6b65\u4f30\u50f9\uff1a<a href=\"https:\/\/gicl.com.hk\/en\/\" target=\"_blank\" rel=\"noopener noreferrer\">\ud83c\udf10 GICL (Second Mortgage Cash-out)<\/a><\/p>\n<hr>\n<h3>Important Statement<\/h3>\n<p>\u672c\u6587\u8cc7\u6599\u6574\u7406\u622a\u81f3 2026 \u5e74 9 \u6708 27 \u65e5\uff0c\u50c5\u4f9b\u4e00\u822c\u8cc7\u8a0a\u53ca\u65b9\u6848\u6bd4\u8f03\u53c3\u8003\uff0c\u4e0d\u69cb\u6210\u500b\u4eba\u5316\u8ca1\u52d9\u3001\u6cd5\u5f8b\u6216\u501f\u8cb8\u5efa\u8b70\uff0c\u4ea6\u4e0d\u69cb\u6210\u4efb\u4f55\u8cb8\u6b3e\u5831\u50f9\u3001\u6279\u6838\u627f\u8afe\u6216\u512a\u60e0\u4fdd\u8b49\u3002<\/p>\n<p>\u6587\u4e2d\u6d89\u53ca\u9280\u884c\u53ca\u5176\u4ed6\u7b2c\u4e09\u65b9\u6a5f\u69cb\u7684\u8cc7\u6599\uff0c\u4e43\u6839\u64da\u6240\u5f15\u7528\u7684\u516c\u958b\u8cc7\u6599\u6574\u7406\uff0c\u4e26\u975e\u7531\u76f8\u95dc\u6a5f\u69cb\u5c31\u672c\u6587\u9010\u9805\u78ba\u8a8d\u3002\u6240\u8ff0\u5229\u7387\u3001\u5c01\u9802\u606f\u7387\u3001\u73fe\u91d1\u56de\u8d08\u3001\u8cbb\u7528\u53ca\u7533\u8acb\u689d\u4ef6\uff0c\u53ea\u53cd\u6620\u76f8\u95dc\u4f86\u6e90\u65bc\u6307\u5b9a\u65e5\u671f\u6240\u8f09\u7684\u500b\u5225\u8a08\u5283\u6216\u5e02\u5834\u4f8b\u5b50\uff0c\u4e26\u4e0d\u4ee3\u8868\u6240\u6709\u9280\u884c\u3001\u6240\u6709\u7522\u54c1\u6216\u6240\u6709\u7533\u8acb\u4eba\u5747\u53ef\u7372\u5f97\u76f8\u540c\u689d\u4ef6\u3002\u672c\u6587\u4ea6\u4e0d\u4ee3\u8868\u76f8\u95dc\u9280\u884c\u6216\u7b2c\u4e09\u65b9\u6a5f\u69cb\u5c0d GICL 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