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	<title>h按利率 - 香港地產新聞 - House730</title>
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	<description>House730搵樓大本營是香港至全面的網上搵樓平台，齊集香港、九龍及新界租盤，一二手私人住宅、居屋、村屋、工商廈、寫字樓及店舖，各類放租物業供你選擇，讓你網上租樓、買樓或放盤更輕鬆！</description>
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		<title>【H按全攻略2026】H按點計？H按 vs P按比較、封頂息率、加息減息影響與按揭年息計算</title>
		<link>https://www.house730.com/news/1019283/h%e6%8c%89-p%e6%8c%89/</link>
		
		<dc:creator><![CDATA[adatong adatong]]></dc:creator>
		<pubDate>Mon, 10 Aug 2026 06:40:00 +0000</pubDate>
				<category><![CDATA[政策]]></category>
		<category><![CDATA[城中熱話]]></category>
		<category><![CDATA[h rate]]></category>
		<category><![CDATA[hibor利率]]></category>
		<category><![CDATA[h按利率]]></category>
		<category><![CDATA[p rate]]></category>
		<category><![CDATA[P按]]></category>
		<category><![CDATA[供樓利息]]></category>
		<category><![CDATA[供樓利率]]></category>
		<category><![CDATA[同業拆息]]></category>
		<category><![CDATA[按息]]></category>
		<category><![CDATA[按揭利率]]></category>
		<category><![CDATA[按揭年息]]></category>
		<category><![CDATA[最優惠利率]]></category>
		<category><![CDATA[樓按利率]]></category>
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					<description><![CDATA[<p>買樓申請樓按，到底應該選 H按 還是 P按？本文為你全方位拆解 2026 最新 H按（HIBOR 按揭）運作原理、H rate 同業拆息計算公式，以及 H按 vs P按 的核心差異。同時深入剖析「鎖息上限（封頂位）」保障機制、加息減息對供樓利息的影響，並教你善用 Mortgage-Link 高息戶口精明慳息！</p>
<p>The post <a href="https://www.house730.com/news/1019283/h%e6%8c%89-p%e6%8c%89/" data-wpel-link="internal">【H按全攻略2026】H按點計？H按 vs P按比較、封頂息率、加息減息影響與按揭年息計算</a> first appeared on <a href="https://www.house730.com/news" data-wpel-link="internal">香港地產新聞 - House730</a>.</p>]]></description>
		
		
		
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