{"id":1019283,"date":"2026-08-10T14:40:00","date_gmt":"2026-08-10T06:40:00","guid":{"rendered":"https:\/\/www.house730.com\/news\/?p=1019283"},"modified":"2026-08-14T14:39:51","modified_gmt":"2026-08-14T06:39:51","slug":"h%e6%8c%89-p%e6%8c%89","status":"publish","type":"post","link":"https:\/\/www.house730.com\/news\/1019283\/h%e6%8c%89-p%e6%8c%89\/","title":{"rendered":"\u3010H\u6309\u5168\u653b\u75652026\u3011H\u6309\u9ede\u8a08\uff1fH\u6309 vs P\u6309\u6bd4\u8f03\u3001\u5c01\u9802\u606f\u7387\u3001\u52a0\u606f\u6e1b\u606f\u5f71\u97ff\u8207\u6309\u63ed\u5e74\u606f\u8a08\u7b97"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1019283\" class=\"elementor elementor-1019283\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f4a4dc3 e-flex e-con-boxed e-con e-parent\" data-id=\"f4a4dc3\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8609371 elementor-widget elementor-widget-image\" data-id=\"8609371\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1200\" height=\"675\" src=\"https:\/\/faq.house730.com\/subfaq\/post\/2026\/08\/20260810144122700.png\" class=\"attachment-large size-large wp-image-1019290\" alt=\"\" srcset=\"https:\/\/faq.house730.com\/subfaq\/post\/2026\/08\/20260810144122700.png 1200w, https:\/\/faq.house730.com\/subfaq\/post\/2026\/08\/20260810144122700-640x360.png 640w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b0264c0 e-flex e-con-boxed e-con e-parent\" data-id=\"b0264c0\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-93fe8e7 elementor-widget elementor-widget-text-editor\" data-id=\"93fe8e7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>\u91cd\u9ede\u6458\u8981<\/b><span style=\"font-weight: 400;\">\uff1a<\/span><\/p>\n<p data-path-to-node=\"0\"><strong><span style=\"color: #000000;\">H\u6309\uff08HIBOR\u6309\u63ed\uff09<\/span><\/strong>\u8207<strong><span style=\"color: #000000;\">P\u6309\uff08\u6700\u512a\u60e0\u5229\u7387\u6309\u63ed\uff09<\/span><\/strong>\u70ba\u9999\u6e2f\u5169\u5927\u6309\u63ed\u8a08\u5283\u3002H\u6309\u5229\u606f\u4ee5\u300c<strong><span style=\"color: #000000;\">1\u500b\u6708 HIBOR + \u56fa\u5b9a\u52a0\u5e45<\/span><\/strong>\u300d\u8a08\u7b97\uff0c\u96a8\u5e02\u5834\u6d6e\u52d5\uff1bP\u6309\u5247\u4ee5\u300c<strong><span style=\"color: #000000;\">\u6700\u512a\u60e0\u5229\u7387 P &#8211; \u56fa\u5b9a\u6263\u6e1b<\/span><\/strong>\u300d\u8a08\u7b97\uff08\u6309\u9280\u884c\u5206\u70ba\u5927 P \u8207\u7d30 P\uff09\u3002<\/p>\n<ul data-path-to-node=\"1\">\n<li>\n<p data-path-to-node=\"1,0,0\"><span style=\"color: #000000;\"><b data-path-to-node=\"1,0,0\" data-index-in-node=\"0\">\u9396\u606f\u6a5f\u5236<\/b><\/span>\uff1a\u73fe\u6642 H\u6309\u5747\u8a2d\u6709\u300c\u9396\u606f\u4e0a\u9650\uff08\u5c01\u9802\u4f4d\uff09\u300d\uff0c\u62c6\u606f\u9ad8\u4f01\u6642\u6309\u606f<strong><span style=\"color: #000000;\">\u5c01\u9802\u81f3 P\u6309 \u6c34\u5e73<\/span><\/strong>\uff1b\u7f8e\u806f\u5132\u6e1b\u606f\u6642\uff0cHIBOR \u56de\u843d\u80fd\u5373\u6642\u4eab\u4f4e\u606f\uff0c\u6545\u4f54\u5e02\u5834\u903e 9 \u6210\u9078\u7528\u7387\u3002<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"1,1,0\"><span style=\"color: #000000;\"><b data-path-to-node=\"1,1,0\" data-index-in-node=\"0\">\u6173\u606f\u5de5\u5177<\/b><\/span>\uff1a\u7533\u8acb\u6309\u63ed\u901a\u5e38\u9644\u9001 <span style=\"color: #000000;\"><b data-path-to-node=\"1,1,0\" data-index-in-node=\"14\">Mortgage-Link \u9ad8\u606f\u5b58\u6b3e\u6236\u53e3<\/b><\/span>\uff08\u63d0\u4f9b\u8207\u6309\u606f\u76f8\u540c\u7684\u5b58\u6b3e\u5229\u7387\uff0c\u53ef\u5c0d\u6c96\u6700\u9ad8 50%\u201360% \u8cb8\u6b3e\u984d\u5229\u606f\uff09\u53ca<span style=\"color: #000000;\"><b data-path-to-node=\"1,1,0\" data-index-in-node=\"69\">\u73fe\u91d1\u56de\u8d08<\/b><\/span>\uff08\u5982 0.5%\u20131.5%\uff09\uff0c\u52a9\u696d\u4e3b\u6700\u5927\u5316\u7bc0\u7701\u4f9b\u6a13\u958b\u652f\u3002<\/p>\n<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4358855 e-flex e-con-boxed e-con e-parent\" data-id=\"4358855\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-de91ba1 elementor-widget elementor-widget-text-editor\" data-id=\"de91ba1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u5167\u5bb9\u76ee\u9304<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.house730.com\/news\/1019283\/h%e6%8c%89-p%e6%8c%89\/#%E7%94%9A%E9%BA%BC%E6%98%AF_H%E6%8C%89_HIBOR%E6%8C%89%E6%8F%AD%EF%BC%9FHIBOR%E5%90%8C%E6%A5%AD%E6%8B%86%E6%81%AF%E8%88%87H_rate%E9%81%8B%E4%BD%9C%E5%8E%9F%E7%90%86\" >\u751a\u9ebc\u662f H\u6309 (HIBOR\u6309\u63ed)\uff1fHIBOR\u540c\u696d\u62c6\u606f\u8207H rate\u904b\u4f5c\u539f\u7406<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.house730.com\/news\/1019283\/h%e6%8c%89-p%e6%8c%89\/#H%E6%8C%89%E7%9A%84%E5%88%A9%E7%8E%87%E8%A8%88%E7%AE%97%E5%85%AC%E5%BC%8F\" >H\u6309\u7684\u5229\u7387\u8a08\u7b97\u516c\u5f0f<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.house730.com\/news\/1019283\/h%e6%8c%89-p%e6%8c%89\/#%E7%94%9A%E9%BA%BC%E6%98%AF_P%E6%8C%89_%E6%9C%80%E5%84%AA%E6%83%A0%E5%88%A9%E7%8E%87%E6%8C%89%E6%8F%AD%EF%BC%9F%E5%A4%A7P%E8%88%87%E7%B4%B0P%E6%9C%89%E4%BD%95%E5%88%86%E5%88%A5%EF%BC%9F\" >\u751a\u9ebc\u662f P\u6309 (\u6700\u512a\u60e0\u5229\u7387\u6309\u63ed)\uff1f\u5927P\u8207\u7d30P\u6709\u4f55\u5206\u5225\uff1f<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.house730.com\/news\/1019283\/h%e6%8c%89-p%e6%8c%89\/#P%E6%8C%89%E7%9A%84%E5%88%A9%E7%8E%87%E8%A8%88%E7%AE%97%E5%85%AC%E5%BC%8F\" >P\u6309\u7684\u5229\u7387\u8a08\u7b97\u516c\u5f0f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.house730.com\/news\/1019283\/h%e6%8c%89-p%e6%8c%89\/#%E9%A6%99%E6%B8%AF%E4%B8%BB%E8%A6%81%E9%8A%80%E8%A1%8C%E6%9C%80%E5%84%AA%E6%83%A0%E5%88%A9%E7%8E%87_P_%E5%88%86%E9%A1%9E%E8%A1%A8\" >\u9999\u6e2f\u4e3b\u8981\u9280\u884c\u6700\u512a\u60e0\u5229\u7387 (P) \u5206\u985e\u8868<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.house730.com\/news\/1019283\/h%e6%8c%89-p%e6%8c%89\/#H%E6%8C%89_vs_P%E6%8C%89%E5%A4%A7%E6%AF%94%E6%8B%BC%EF%BC%9A%E4%BE%9B%E6%A8%93%E5%88%A9%E7%8E%87%E3%80%81%E9%8E%96%E6%81%AF%E4%B8%8A%E9%99%90%EF%BC%88%E5%B0%81%E9%A0%82%E4%BD%8D%EF%BC%89%E8%88%87%E6%A9%9F%E5%88%B6%E5%B0%8D%E6%AF%94\" >H\u6309 vs P\u6309\u5927\u6bd4\u62fc\uff1a\u4f9b\u6a13\u5229\u7387\u3001\u9396\u606f\u4e0a\u9650\uff08\u5c01\u9802\u4f4d\uff09\u8207\u6a5f\u5236\u5c0d\u6bd4<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.house730.com\/news\/1019283\/h%e6%8c%89-p%e6%8c%89\/#H%E6%8C%89%E5%88%A9%E6%81%AF%E8%A8%88%E7%AE%97%E4%BE%8B%E5%AD%90%EF%BC%9AH13_%E9%BB%9E%E6%A8%A3%E8%A8%88%EF%BC%9F%E5%B0%81%E9%A0%82%E6%81%AF%E7%8E%87%E5%A6%82%E4%BD%95%E4%BF%9D%E9%9A%9C%E4%BE%9B%E6%A8%93%E6%A5%AD%E4%B8%BB%EF%BC%9F\" >H\u6309\u5229\u606f\u8a08\u7b97\u4f8b\u5b50\uff1aH+1.3% \u9ede\u6a23\u8a08\uff1f\u5c01\u9802\u606f\u7387\u5982\u4f55\u4fdd\u969c\u4f9b\u6a13\u696d\u4e3b\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.house730.com\/news\/1019283\/h%e6%8c%89-p%e6%8c%89\/#%E7%BE%8E%E5%9C%8B%E6%B8%9B%E6%81%AF%E8%88%87%E6%B8%AF%E5%85%83%E6%8B%86%E6%81%AF%E8%B5%B0%E5%8B%A2%EF%BC%9A%E5%8A%A0%E6%81%AF%E6%B8%9B%E6%81%AF%E5%B0%8D_H%E6%8C%89%E6%8C%89%E6%81%AF%E5%8F%8A%E4%BE%9B%E6%A8%93%E5%88%A9%E6%81%AF%E6%9C%89%E4%BD%95%E5%BD%B1%E9%9F%BF%EF%BC%9F\" >\u7f8e\u570b\u6e1b\u606f\u8207\u6e2f\u5143\u62c6\u606f\u8d70\u52e2\uff1a\u52a0\u606f\u6e1b\u606f\u5c0d H\u6309\u6309\u606f\u53ca\u4f9b\u6a13\u5229\u606f\u6709\u4f55\u5f71\u97ff\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.house730.com\/news\/1019283\/h%e6%8c%89-p%e6%8c%89\/#H%E6%8C%89%E6%85%B3%E6%81%AF%E5%85%A9%E5%A4%A7%E7%A5%9E%E5%99%A8%EF%BC%9AMortgage-Link_%E9%AB%98%E6%81%AF%E5%AD%98%E6%AC%BE%E6%88%B6%E5%8F%A3%E8%88%87%E7%8F%BE%E9%87%91%E5%9B%9E%E8%B4%88%E6%94%BB%E7%95%A5\" >H\u6309\u6173\u606f\u5169\u5927\u795e\u5668\uff1aMortgage-Link \u9ad8\u606f\u5b58\u6b3e\u6236\u53e3\u8207\u73fe\u91d1\u56de\u8d08\u653b\u7565<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.house730.com\/news\/1019283\/h%e6%8c%89-p%e6%8c%89\/#H%E6%8C%89%E5%8F%8A_P%E6%8C%89%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C\" >H\u6309\u53ca P\u6309\u5e38\u898b\u554f\u984c<\/a><\/li><\/ul><\/nav><\/div>\n<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e6f3734 e-flex e-con-boxed e-con e-parent\" data-id=\"e6f3734\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b913b0 elementor-widget elementor-widget-text-editor\" data-id=\"6b913b0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span class=\"ez-toc-section\" id=\"%E7%94%9A%E9%BA%BC%E6%98%AF_H%E6%8C%89_HIBOR%E6%8C%89%E6%8F%AD%EF%BC%9FHIBOR%E5%90%8C%E6%A5%AD%E6%8B%86%E6%81%AF%E8%88%87H_rate%E9%81%8B%E4%BD%9C%E5%8E%9F%E7%90%86\"><\/span><b>\u751a\u9ebc\u662f H\u6309 (HIBOR\u6309\u63ed)\uff1fHIBOR\u540c\u696d\u62c6\u606f\u8207H rate\u904b\u4f5c\u539f\u7406<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2><p>H\u6309<span style=\"font-weight: 400;\">\u5168\u7a31\u70ba\u300cHIBOR \u57fa\u6e96\u6309\u63ed\u8a08\u5283\u300d\uff0c\u662f\u9999\u6e2f\u6700\u53d7\u6b61\u8fce\u7684\u4f4f\u5b85\u6309\u63ed\u8cb8\u6b3e\u8a08\u5283\u4e4b\u4e00\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u6240\u8b02\u7684 <\/span>HIBOR\uff08Hong Kong Interbank Offered Rate\uff0c\u9999\u6e2f\u9280\u884c\u540c\u696d\u62c6\u606f \/ H Rate\uff09<span style=\"font-weight: 400;\">\uff0c\u662f\u6307\u9999\u6e2f\u5404\u9593<strong><span style=\"color: #000000;\">\u9280\u884c\u4e4b\u9593\u4e92\u76f8\u501f\u8cb8\u6e2f\u5143\u8cc7\u91d1\u7684\u5e02\u5834\u5229\u7387<\/span><\/strong>\uff0c\u7531<a href=\"https:\/\/www.hkab.org.hk\/tc\/rates\/hibor\">\u9999\u6e2f\u9280\u884c\u516c\u6703\uff08HKAB\uff09<\/a>\u65bc\u6bcf\u500b\u5de5\u4f5c\u5929\u4e0a\u5348 11 \u6642\u516c\u5e03\u3002<\/span><\/p><h3><span class=\"ez-toc-section\" id=\"H%E6%8C%89%E7%9A%84%E5%88%A9%E7%8E%87%E8%A8%88%E7%AE%97%E5%85%AC%E5%BC%8F\"><\/span><b>H\u6309\u7684\u5229\u7387\u8a08\u7b97\u516c\u5f0f<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3><p style=\"text-align: center;\"><strong><span style=\"color: #000000;\">H\u6309\u5be6\u969b\u6309\u606f = 1\u500b\u6708 HIBOR + \u9280\u884c\u56fa\u5b9a\u52a0\u5e45 (X%)<\/span><\/strong><\/p><p><span style=\"font-weight: 400;\">\u4f8b\u5982\uff1a\u82e5\u9280\u884c\u63d0\u4f9b\u7684 H\u6309 \u8a08\u5283\u70ba <\/span><span style=\"color: #000000;\"><b>H + 1.3%<\/b><\/span><span style=\"font-weight: 400;\">\uff0c\u800c\u7576\u5929\u9280\u884c\u516c\u6703\u516c\u5e03\u7684 1 \u500b\u6708 HIBOR \u70ba <\/span><span style=\"color: #000000;\"><b>3.2%<\/b><\/span><span style=\"font-weight: 400;\">\uff0c\u8a72\u6708\u696d\u4e3b\u7684\u5be6\u969b\u4f9b\u6a13\u6309\u606f\u5373\u70ba\uff1a<\/span><\/p><p style=\"text-align: center;\"><strong><span style=\"color: #000000;\">3.2% + 1.3% = 4.5%<\/span><\/strong><\/p><p><span style=\"font-weight: 400;\">\u56e0\u70ba HIBOR \u6bcf\u5929\u90fd\u6703\u96a8\u5e02\u5834\u6e2f\u5143\u8cc7\u91d1\u6d41\u5411\u800c\u6d6e\u52d5\uff0c\u6240\u4ee5 H\u6309 \u696d\u4e3b\u7684\u5be6\u969b\u4f9b\u6a13\u5229\u606f\uff0c\u6703\u4ee5\u9280\u884c\u6bcf\u6708\u300c\u91cd\u8a02\u6309\u63ed\u65e5\u300d\u7576\u5929\u7684 1 \u500b\u6708 HIBOR \u70ba\u6e96\uff0c\u4e26\u5728\u8a72\u6708\u4efd\u56fa\u5b9a\u4f7f\u7528\u8a72\u5229\u7387\u4f9b\u6a13\u3002<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2c6d472 e-flex e-con-boxed e-con e-parent\" data-id=\"2c6d472\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4722f8c elementor-widget elementor-widget-text-editor\" data-id=\"4722f8c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span class=\"ez-toc-section\" id=\"%E7%94%9A%E9%BA%BC%E6%98%AF_P%E6%8C%89_%E6%9C%80%E5%84%AA%E6%83%A0%E5%88%A9%E7%8E%87%E6%8C%89%E6%8F%AD%EF%BC%9F%E5%A4%A7P%E8%88%87%E7%B4%B0P%E6%9C%89%E4%BD%95%E5%88%86%E5%88%A5%EF%BC%9F\"><\/span><b>\u751a\u9ebc\u662f P\u6309 (\u6700\u512a\u60e0\u5229\u7387\u6309\u63ed)\uff1f\u5927P\u8207\u7d30P\u6709\u4f55\u5206\u5225\uff1f<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2><p>P\u6309<span style=\"font-weight: 400;\">\u5168\u7a31\u70ba\u300c\u6700\u512a\u60e0\u5229\u7387\u57fa\u6e96\u6309\u63ed\u8a08\u5283\u300d\uff08Prime Rate Plan\uff09\uff0c\u662f\u4ee5\u9280\u884c\u81ea\u884c\u516c\u5e03\u7684\u300c<strong><span style=\"color: #000000;\">\u6700\u512a\u60e0\u5229\u7387\uff08Prime Rate \/ P Rate\uff09<\/span><\/strong>\u300d\u70ba\u57fa\u6e96\u8a08\u7b97\u6309\u63ed\u5e74\u606f\u3002<\/span><\/p><h3><span class=\"ez-toc-section\" id=\"P%E6%8C%89%E7%9A%84%E5%88%A9%E7%8E%87%E8%A8%88%E7%AE%97%E5%85%AC%E5%BC%8F\"><\/span><b>P\u6309\u7684\u5229\u7387\u8a08\u7b97\u516c\u5f0f<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3><p style=\"text-align: center;\"><strong><span style=\"color: #000000;\">P\u6309\u5be6\u969b\u6309\u606f = \u6700\u512a\u60e0\u5229\u7387 (P) &#8211; \u9280\u884c\u56fa\u5b9a\u6263\u6e1b (Y%)<\/span><\/strong><\/p><p><span style=\"font-weight: 400;\">\u5728\u9999\u6e2f\uff0c\u4e0d\u540c\u9280\u884c\u63a1\u7528\u7684 P \u503c\u4e26\u4e0d\u7d71\u4e00\uff0c\u5e02\u5834\u4e0a\u4e3b\u8981\u5206\u70ba\u300c\u7d30 P\u300d\u8207\u300c\u5927 P\u300d\u5169\u5927\u9ad4\u7cfb\uff1a<\/span><\/p><h3><span class=\"ez-toc-section\" id=\"%E9%A6%99%E6%B8%AF%E4%B8%BB%E8%A6%81%E9%8A%80%E8%A1%8C%E6%9C%80%E5%84%AA%E6%83%A0%E5%88%A9%E7%8E%87_P_%E5%88%86%E9%A1%9E%E8%A1%A8\"><\/span><b>\u9999\u6e2f\u4e3b\u8981\u9280\u884c\u6700\u512a\u60e0\u5229\u7387 (P) \u5206\u985e\u8868<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3><table dir=\"ltr\" border=\"1\" cellspacing=\"0\" cellpadding=\"0\" data-sheets-root=\"1\" data-sheets-baot=\"1\"><colgroup> <col width=\"131\" \/> <col width=\"186\" \/> <col width=\"196\" \/><\/colgroup><tbody><tr><td><strong><span style=\"color: #000000;\">\u6700\u512a\u60e0\u5229\u7387\u985e\u5225<\/span><\/strong><\/td><td><strong><span style=\"color: #000000;\">\u5e02\u5834\u4e3b\u8981\u4ee3\u8868\u9280\u884c<\/span><\/strong><\/td><td><strong><span style=\"color: #000000;\">\u5229\u7387\u6c34\u5e73\uff08\u53c3\u8003\uff09<\/span><\/strong><\/td><\/tr><tr><td>\u7d30 P (Small P)<\/td><td>\u532f\u8c50\u9280\u884c (HSBC)\u3001\u6046\u751f\u9280\u884c\u3001\u4e2d\u9280\u9999\u6e2f<\/td><td>\u901a\u5e38\u8f03\u4f4e\uff08\u5982 5.625%\uff09<\/td><\/tr><tr><td>\u5927 P (Big P)<\/td><td>\u6e23\u6253\u9280\u884c\u3001\u6771\u4e9e\u9280\u884c\u3001\u82b1\u65d7\u9280\u884c\u53ca\u591a\u6578\u4e2d\u5c0f\u4f01\u9280\u884c<\/td><td>\u901a\u5e38\u8f03\u9ad8\uff08\u5982 5.875%\uff09<\/td><\/tr><\/tbody><\/table><p><span style=\"font-weight: 400;\">\u7531\u65bc\u4e0d\u540c\u9280\u884c\u7684 P \u503c\u4e0d\u540c\uff0c\u9280\u884c\u5728\u63d0\u4f9b P\u6309\u8a08\u5283\u6642\u6703\u8abf\u6574\u6263\u6e1b\u7387\uff08Y%\uff09\uff0c\u6700\u7d42\u4f7f\u5e02\u5834\u4e0a\u5404\u5927\u9280\u884c\u7684 P\u6309\u5be6\u969b\u4f9b\u6a13\u5229\u7387\u8da8\u65bc\u4e00\u81f4\u3002<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-989dc72 e-flex e-con-boxed e-con e-parent\" data-id=\"989dc72\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-afe787d elementor-widget elementor-widget-text-editor\" data-id=\"afe787d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span class=\"ez-toc-section\" id=\"H%E6%8C%89_vs_P%E6%8C%89%E5%A4%A7%E6%AF%94%E6%8B%BC%EF%BC%9A%E4%BE%9B%E6%A8%93%E5%88%A9%E7%8E%87%E3%80%81%E9%8E%96%E6%81%AF%E4%B8%8A%E9%99%90%EF%BC%88%E5%B0%81%E9%A0%82%E4%BD%8D%EF%BC%89%E8%88%87%E6%A9%9F%E5%88%B6%E5%B0%8D%E6%AF%94\"><\/span><b>H\u6309 vs P\u6309\u5927\u6bd4\u62fc\uff1a\u4f9b\u6a13\u5229\u7387\u3001\u9396\u606f\u4e0a\u9650\uff08\u5c01\u9802\u4f4d\uff09\u8207\u6a5f\u5236\u5c0d\u6bd4<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2><p><span style=\"font-weight: 400;\">\u8a31\u591a\u4e0a\u8eca\u5ba2\u6700\u5e38\u554f\uff1a\u300cH\u6309\u96a8\u5e02\u5834\u6d6e\u52d5\uff0c\u842c\u4e00 HIBOR \u72c2\u5347\uff0c\u4f9b\u6a13\u5229\u606f\u8c48\u4e0d\u662f\u7121\u4e0a\u9650\uff1f\u300d<\/span><\/p><p>\u7b54\u6848\u662f\uff1a<strong><span style=\"color: #000000;\">\u4e0d\u6703\uff01<\/span><\/strong>\u56e0\u70ba\u73fe\u6642\u5e02\u5834\u4e0a\u6240\u6709 H\u6309 \u8a08\u5283\uff0c\u5747\u8a2d\u6709<strong><span style=\"color: #000000;\">\u9396\u606f\u4e0a\u9650\uff08\u5c01\u9802\u4f4d\uff09<\/span><\/strong>\uff01<\/p><p><span style=\"font-weight: 400;\">\u6240\u8b02\u300c\u9396\u606f\u4e0a\u9650\uff08\u5c01\u9802\u4f4d\uff0cCap\uff09\u300d\uff0c\u662f\u6307\u9280\u884c\u70ba H\u6309\u8a2d\u4e0b\u7684\u6700\u9ad8\u5229\u7387\u9632\u7dda\u3002\u5373\u4f7f HIBOR \u98c6\u5347\u81f3\u6975\u9ad8\u6c34\u5e73\uff0cH\u6309\u696d\u4e3b\u7684\u5be6\u969b\u6309\u606f\u4ea6<\/span>\u7d55\u5c0d\u4e0d\u6703\u8d85\u904e\u5c01\u9802\u4f4d\uff08\u901a\u5e38\u8a2d\u5b9a\u70ba <strong><span style=\"color: #000000;\">P &#8211; 1.75% \u6216 P &#8211; 2%<\/span><\/strong> \u7b49\u540c\u65bc P\u6309\u7684\u5229\u7387\uff09<span style=\"font-weight: 400;\">\u3002<\/span><\/p><p><span style=\"color: #000000;\"><b>H\u6309 vs P\u6309 \u6838\u5fc3\u7279\u9ede\u5c0d\u6bd4\u8868<\/b><\/span><\/p><table dir=\"ltr\" border=\"1\" cellspacing=\"0\" cellpadding=\"0\" data-sheets-root=\"1\" data-sheets-baot=\"1\"><colgroup> <col width=\"131\" \/> <col width=\"186\" \/> <col width=\"196\" \/><\/colgroup><tbody><tr><td><strong><span style=\"color: #000000;\">\u6bd4\u8f03\u9805\u76ee<\/span><\/strong><\/td><td><strong><span style=\"color: #000000;\">H\u6309 (HIBOR \u6309\u63ed)<\/span><\/strong><\/td><td><strong><span style=\"color: #000000;\">P\u6309 (Prime \u6309\u63ed)<\/span><\/strong><\/td><\/tr><tr><td>\u5229\u7387\u57fa\u6e96<\/td><td>1 \u500b\u6708 HIBOR (\u540c\u696d\u62c6\u606f)<\/td><td>\u6700\u512a\u60e0\u5229\u7387 (Prime Rate \/ P)<\/td><\/tr><tr><td>\u8a08\u7b97\u516c\u5f0f<\/td><td>H + X%\uff08\u8a2d\u6709 P\u6309 \u5c01\u9802\u4f4d\uff09<\/td><td>P &#8211; Y%<\/td><\/tr><tr><td>\u5229\u7387\u7a69\u5b9a\u6027<\/td><td>\u96a8\u5e02\u5834\u6bcf\u65e5\u6d6e\u52d5\uff08\u6bcf\u6708\u91cd\u8a02\u4e00\u6b21\uff09<\/td><td>\u76f8\u5c0d\u7a69\u5b9a\uff08\u50c5\u96a8\u9280\u884c\u8abf\u6574 P \u503c\u800c\u8b8a\uff09<\/td><\/tr><tr><td>\u4f4e\u606f\u9031\u671f\u512a\u52e2<\/td><td>\u6975\u9ad8\uff08\u7576\u62c6\u606f\u56de\u843d\uff0c\u53ef\u4eab\u53d7\u8d85\u4f4e\u6309\u606f\uff09<\/td><td>\u6709\u9650\uff08\u50c5\u80fd\u8ddf\u96a8\u9280\u884c\u6e1b P\uff09<\/td><\/tr><tr><td>\u9ad8\u606f\u98a8\u96aa\u4fdd\u8b77<\/td><td>\u6709\u4fdd\u8b77\uff08\u6709\u9396\u606f\u4e0a\u9650\uff0c\u5c01\u9802\u4f4d\u8207 P\u6309 \u770b\u9f4a\uff09<\/td><td>\u81ea\u7136\u5c01\u9802\u5728 P &#8211; Y%<\/td><\/tr><tr><td>\u5e02\u5834\u9078\u7528\u6bd4\u4f8b<\/td><td>\u4f54\u6bd4\u8d85\u904e 90%\uff08\u7d55\u5c0d\u4e3b\u6d41\uff09<\/td><td>\u4f54\u6bd4\u6975\u4f4e<\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-644fce9 e-flex e-con-boxed e-con e-parent\" data-id=\"644fce9\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ab645fc elementor-widget elementor-widget-text-editor\" data-id=\"ab645fc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span class=\"ez-toc-section\" id=\"H%E6%8C%89%E5%88%A9%E6%81%AF%E8%A8%88%E7%AE%97%E4%BE%8B%E5%AD%90%EF%BC%9AH13_%E9%BB%9E%E6%A8%A3%E8%A8%88%EF%BC%9F%E5%B0%81%E9%A0%82%E6%81%AF%E7%8E%87%E5%A6%82%E4%BD%95%E4%BF%9D%E9%9A%9C%E4%BE%9B%E6%A8%93%E6%A5%AD%E4%B8%BB%EF%BC%9F\"><\/span><b>H\u6309\u5229\u606f\u8a08\u7b97\u4f8b\u5b50\uff1aH+1.3% \u9ede\u6a23\u8a08\uff1f\u5c01\u9802\u606f\u7387\u5982\u4f55\u4fdd\u969c\u4f9b\u6a13\u696d\u4e3b\uff1f<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2><p><span style=\"font-weight: 400;\">\u70ba\u4e86\u8b93\u5927\u5bb6\u66f4\u6e05\u695a H\u6309\u5728\u4e0d\u540c\u5e02\u6cc1\u4e0b\u7684\u904b\u4f5c\uff0c\u6211\u5011\u7528House730<a href=\"https:\/\/www.house730.com\/tools\/taxpc\/\">\u6309\u63ed\u8a08\u7b97\u6a5f<\/a>\u4ee5<\/span><span style=\"color: #000000;\"><b>\u6309\u63ed\u8cb8\u6b3e\u984d HK$ 500 \u842c<\/b><span style=\"font-weight: 400;\">\u3001<\/span><b>\u9084\u6b3e\u671f 30 \u5e74<\/b><span style=\"font-weight: 400;\">\u3001<\/span><b>H\u6309\u8a08\u5283\uff1aH+1.3%\uff08\u9396\u606f\u4e0a\u9650 3.625%\uff09<\/b><\/span><span style=\"font-weight: 400;\"> \u70ba\u4f8b\u9032\u884c\u8a66\u7b97\uff1a<\/span><\/p><p><span style=\"color: #000000;\"><b>H\u6309\u5728\u4e0d\u540c HIBOR \u6c34\u5e73\u4e0b\u7684\u5be6\u969b\u4f9b\u6a13\u5229\u606f\u5c0d\u6bd4<\/b><\/span><\/p><table dir=\"ltr\" border=\"1\" cellspacing=\"0\" cellpadding=\"0\" data-sheets-root=\"1\" data-sheets-baot=\"1\"><colgroup> <col width=\"131\" \/> <col width=\"186\" \/> <col width=\"196\" \/><\/colgroup><tbody><tr><td>\u5e02\u5834\u5e02\u6cc1 \/ 1\u500b\u6708 HIBOR \u6c34\u5e73<\/td><td>H\u6309 \u8a08\u7b97\u5229\u7387 (H+1.3%)<\/td><td>\u662f\u5426\u89f8\u53ca\u5c01\u9802\u4f4d\uff1f<\/td><\/tr><tr><td>\u4f4e\u606f\u74b0\u5883\uff08HIBOR = 1.2%\uff09<\/td><td>$1.2% + 1.3% = 2.5%<\/td><td>\u672a\u89f8\u53ca\uff082.5% &lt; 3.625%\uff09<\/td><\/tr><tr><td>\u4e2d\u606f\u74b0\u5883\uff08HIBOR = 2.0%\uff09<\/td><td>$2.0% + 1.3% = 3.3%<\/td><td>\u672a\u89f8\u53ca\uff083.3% &lt; 3.625%\uff09<\/td><\/tr><tr><td>\u9ad8\u606f\u74b0\u5883\uff08HIBOR = 4.0%\uff09<\/td><td>$4.0% + 1.3% = 5.3%<\/td><td>\u5df2\u89f8\u53ca\u5c01\u9802\u4f4d\uff085.3% &gt; 3.625%<\/td><\/tr><\/tbody><\/table><p><b>\ud83d\udca1House730\u5c08\u696d\u8cbc\u58eb<\/b><span style=\"font-weight: 400;\">\uff1a\u5728\u62c6\u606f\u9ad8\u4f01\u6642\uff0cH\u6309\u696d\u4e3b\u53ea\u9700\u6309\u300c\u5c01\u9802\u4f4d\u300d\u4f9b\u6a13\uff1b\u7576\u62c6\u606f\u56de\u843d\u6642\uff0cH\u6309\u696d\u4e3b\u80fd\u5373\u6642\u4eab\u7528\u4f4e\u6309\u606f\uff0c\u9019\u6b63\u662f H\u6309\u5927\u53d7\u6b61\u8fce\u7684\u6838\u5fc3\u7406\u7531\u3002<\/span><\/p><h2><span class=\"ez-toc-section\" id=\"%E7%BE%8E%E5%9C%8B%E6%B8%9B%E6%81%AF%E8%88%87%E6%B8%AF%E5%85%83%E6%8B%86%E6%81%AF%E8%B5%B0%E5%8B%A2%EF%BC%9A%E5%8A%A0%E6%81%AF%E6%B8%9B%E6%81%AF%E5%B0%8D_H%E6%8C%89%E6%8C%89%E6%81%AF%E5%8F%8A%E4%BE%9B%E6%A8%93%E5%88%A9%E6%81%AF%E6%9C%89%E4%BD%95%E5%BD%B1%E9%9F%BF%EF%BC%9F\"><\/span><b>\u7f8e\u570b\u6e1b\u606f\u8207\u6e2f\u5143\u62c6\u606f\u8d70\u52e2\uff1a\u52a0\u606f\u6e1b\u606f\u5c0d H\u6309\u6309\u606f\u53ca\u4f9b\u6a13\u5229\u606f\u6709\u4f55\u5f71\u97ff\uff1f<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2><p><span style=\"font-weight: 400;\">\u9999\u6e2f\u5be6\u65bd\u806f\u7e6b\u532f\u7387\u5236\u5ea6\uff0c\u6e2f\u5143\u5229\u7387\u8d70\u52e2\u8207\u7f8e\u806f\u5132\uff08FED\uff09\u8ca8\u5e63\u653f\u7b56\u9ad8\u5ea6\u76f8\u95dc\u3002\u7f8e\u806f\u5132\u52a0\u606f\u6216\u6e1b\u606f\uff0c\u5c0d H\u6309\u696d\u4e3b\u6709\u8457\u76f4\u63a5\u5f71\u97ff\uff1a<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"color: #000000;\"><b>\u52a0\u606f\u9031\u671f<\/b><\/span><span style=\"font-weight: 400;\">\uff1a\u7576\u7f8e\u806f\u5132\u52a0\u606f\uff0c\u6e2f\u5143\u62c6\u606f\uff08HIBOR\uff09\u5f80\u5f80<strong><span style=\"color: #000000;\">\u96a8\u4e4b\u4e0a\u63da<\/span><\/strong>\u3002\u7576 1 \u500b\u6708 HIBOR \u5347\u81f3\u9ad8\u4f4d\uff0cH\u6309\u6703\u89f8\u53ca\u300c\u9396\u606f\u4e0a\u9650\uff08\u5c01\u9802\u4f4d\uff09\u300d\uff0c\u696d\u4e3b\u4f9b\u6a13\u5229\u606f\u9396\u5b9a\u5728\u5c01\u9802\u6c34\u5e73\uff0c\u4e0d\u6703\u7121\u6b62\u5883\u4e0a\u5347\u3002<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"color: #000000;\"><b>\u6e1b\u606f\u9031\u671f<\/b><\/span><span style=\"font-weight: 400;\">\uff1a\u7576\u7f8e\u806f\u5132\u958b\u555f\u6e1b\u606f\u9031\u671f\uff0c\u5e02\u5834\u8cc7\u91d1\u5145\u88d5\uff0cHIBOR \u6703\u7387\u5148\u56de\u843d\u3002\u7576 <\/span><span style=\"font-weight: 400;\">1 \u500b\u6708 HIBOR + X%<\/span><span style=\"font-weight: 400;\"> \u8dcc\u7a7f\u9396\u606f\u4e0a\u9650\u6642\uff0c<\/span><span style=\"color: #000000;\"><b>H\u6309\u696d\u4e3b\u7684\u5be6\u969b\u4f9b\u6a13\u6309\u606f\u6703\u5373\u6642\u8ddf\u96a8\u4e0b\u964d<\/b><\/span><span style=\"font-weight: 400;\">\uff0c\u6bcf\u6708\u4f9b\u6a13\u652f\u51fa\u81ea\u52d5\u6e1b\u5c11\uff0c\u7121\u9808\u7b49\u5f85\u9280\u884c\u5ba3\u5e03\u300c\u6e1b P\u300d\u3002<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f34c750 e-flex e-con-boxed e-con e-parent\" data-id=\"f34c750\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c65ccb4 elementor-widget elementor-widget-text-editor\" data-id=\"c65ccb4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span class=\"ez-toc-section\" id=\"H%E6%8C%89%E6%85%B3%E6%81%AF%E5%85%A9%E5%A4%A7%E7%A5%9E%E5%99%A8%EF%BC%9AMortgage-Link_%E9%AB%98%E6%81%AF%E5%AD%98%E6%AC%BE%E6%88%B6%E5%8F%A3%E8%88%87%E7%8F%BE%E9%87%91%E5%9B%9E%E8%B4%88%E6%94%BB%E7%95%A5\"><\/span><b>H\u6309\u6173\u606f\u5169\u5927\u795e\u5668\uff1aMortgage-Link \u9ad8\u606f\u5b58\u6b3e\u6236\u53e3\u8207\u73fe\u91d1\u56de\u8d08\u653b\u7565<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2><p><span style=\"font-weight: 400;\">\u7533\u8acb H\u6309\u9664\u4e86\u4eab\u53d7\u4f4e\u606f\u8207\u5c01\u9802\u4fdd\u969c\u5916\uff0c\u9084\u53ef\u4ee5\u914d\u5408\u4ee5\u4e0b\u5169\u5927\u5de5\u5177\u6700\u5927\u5316\u7bc0\u7701\u4f9b\u6a13\u5229\u606f\uff1a<\/span><\/p><p><b><span style=\"color: #000000;\">1. Mortgage-Link\uff08\u9ad8\u606f\u6309\u63ed\u5132\u84c4\u6236\u53e3<\/span>\uff09<\/b><\/p><p><span style=\"font-weight: 400;\">\u73fe\u6642\u5404\u5927\u9280\u884c\u63d0\u4f9b H\u6309\u6642\uff0c\u4e00\u822c\u90fd\u6703\u514d\u8cbb\u9644\u9001\u4e00\u500b <\/span><span style=\"color: #000000;\"><b>Mortgage-Link \u9ad8\u606f\u5b58\u6b3e\u6236\u53e3<\/b><\/span><span style=\"font-weight: 400;\">\uff1a<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"color: #000000;\"><b>\u904b\u4f5c\u6a5f\u5236<\/b><\/span><span style=\"font-weight: 400;\">\uff1a\u8a72\u6236\u53e3\u63d0\u4f9b\u8207\u4f60\u6309\u63ed\u8cb8\u6b3e<\/span><span style=\"color: #000000;\"><b>\u5b8c\u5168\u76f8\u540c\u7684\u9ad8\u5b58\u6b3e\u5229\u7387<\/b><\/span><span style=\"font-weight: 400;\">\uff08\u4f8b\u5982\u6309\u606f\u70ba 3.625%\uff0c\u6236\u53e3\u5b58\u6b3e\u5e74\u5229\u7387\u540c\u70ba 3.625%\uff09\u3002<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"color: #000000;\"><b>\u5c0d\u6c96\u5229\u606f<\/b><\/span><span style=\"font-weight: 400;\">\uff1a\u6236\u53e3\u5b58\u6b3e\u4e0a\u9650\u901a\u5e38\u70ba\u5269\u9918\u6309\u63ed\u8cb8\u6b3e\u984d\u7684 50% \u6216 60%\u3002\u5c07\u65e5\u5e38\u5099\u7528\u8cc7\u91d1\u6216\u85aa\u91d1\u5b58\u5165\u8a72\u6236\u53e3\uff0c\u7522\u751f\u7684\u9ad8\u606f\u53ef\u7528\u4f5c\u5b8c\u5168\u5c0d\u6c96\u6309\u63ed\u5229\u606f\u652f\u51fa\u3002<\/span><\/li><\/ul><p><span style=\"color: #000000;\"><b>2. \u6309\u63ed\u73fe\u91d1\u56de\u8d08 (Cash Rebate)<\/b><\/span><\/p><p><span style=\"font-weight: 400;\">\u9280\u884c\u70ba\u4e86\u5438\u5f15\u8cb7\u5bb6\u7533\u8acb H\u6309\uff0c\u6703\u6839\u64da\u8cb8\u6b3e\u984d\u63d0\u4f9b\u4e00\u5b9a\u6bd4\u4f8b\u7684\u73fe\u91d1\u56de\u8d08\uff08\u4f8b\u5982 0.5% \u81f3 1.5% \u4e0d\u7b49\uff0c\u8996\u4e4e\u5e02\u5834\u74b0\u5883\u8207\u91d1\u7ba1\u5c40\u6307\u5f15\uff09\u3002\u4ee5 600 \u842c\u5143\u6309\u63ed\u984d\u8a08\u7b97\uff0c1% \u73fe\u91d1\u56de\u8d08\u5373\u53ef\u7372\u5f97 6 \u842c\u5143\u73fe\u91d1\uff0c\u80fd\u6709\u6548\u88dc\u8cbc\u642c\u5c4b\u6216\u88dd\u4fee\u958b\u652f\u3002<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7afb7b5 e-flex e-con-boxed e-con e-parent\" data-id=\"7afb7b5\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0612ed1 elementor-widget elementor-widget-image\" data-id=\"0612ed1\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.house730.com\/buy\/t1\/?pmax=400&#038;utm_source=house730&#038;utm_medium=article&#038;utm_campaign=1019283_h%E6%8C%89_p%E6%8C%89\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"360\" src=\"https:\/\/faq.house730.com\/subfaq\/post\/2026\/08\/20260814112232876.png\" class=\"attachment-full size-full wp-image-1019498\" alt=\"100\u868a\u5370\u82b1\u7a05\u7269\u696d House730\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d0cef13 e-flex e-con-boxed e-con e-parent\" data-id=\"d0cef13\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fe674d0 elementor-widget elementor-widget-text-editor\" data-id=\"fe674d0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span class=\"ez-toc-section\" id=\"H%E6%8C%89%E5%8F%8A_P%E6%8C%89%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C\"><\/span><b>H\u6309\u53ca P\u6309\u5e38\u898b\u554f\u984c<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5509a54 e-flex e-con-boxed e-con e-parent\" data-id=\"5509a54\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-de778ae elementor-widget elementor-widget-n-accordion\" data-id=\"de778ae\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2330\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-2330\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Q1\uff1a\u751a\u9ebc\u662f H\u6309\uff1f\u8207 P\u6309\u6709\u751a\u9ebc\u4e3b\u8981\u5206\u5225\uff1f <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2330\" class=\"elementor-element elementor-element-a86bd97 e-con-full e-flex e-con e-child\" data-id=\"a86bd97\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5726c27 elementor-widget elementor-widget-text-editor\" data-id=\"5726c27\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>H\u6309 \u662f\u4ee5\u9999\u6e2f\u9280\u884c\u540c\u696d\u62c6\u606f\uff08HIBOR\uff09\u70ba\u57fa\u6e96\u7684\u6309\u63ed\uff0c\u5229\u7387\u6bcf\u65e5\u6d6e\u52d5\uff1bP\u6309\u5247\u4ee5\u9280\u884c\u6700\u512a\u60e0\u5229\u7387\uff08Prime Rate\uff09\u70ba\u57fa\u6e96\u3002H\u6309\u8a2d\u6709\u9396\u606f\u4e0a\u9650\uff0c\u80fd\u517c\u4eab\u62c6\u606f\u4f4e\u6642\u7684\u512a\u52e2\u8207\u9ad8\u606f\u6642\u7684\u5c01\u9802\u4fdd\u969c\u3002<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2331\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2331\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Q2\uff1a\u751a\u9ebc\u662f HIBOR (\u540c\u696d\u62c6\u606f) \/ H Rate\uff1f\u5728\u90a3\u88e1\u53ef\u4ee5\u67e5\u5230\uff1f <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2331\" class=\"elementor-element elementor-element-f4e42e5 e-con-full e-flex e-con e-child\" data-id=\"f4e42e5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f14067 elementor-widget elementor-widget-text-editor\" data-id=\"3f14067\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>HIBOR \u662f\u9999\u6e2f\u9280\u884c\u4e4b\u9593\u4e92\u76f8\u501f\u8cb8\u8cc7\u91d1\u7684\u5229\u7387\uff0c\u7531<a href=\"https:\/\/www.hkab.org.hk\/tc\/rates\/hibor\">\u9999\u6e2f\u9280\u884c\u516c\u6703<\/a>\uff08HKAB\uff09\u65bc\u6bcf\u500b\u5de5\u4f5c\u5929\u4e0a\u5348 11 \u6642\u516c\u5e03\uff0c\u53ef\u5728\u9280\u884c\u516c\u6703\u7db2\u7ad9\u6216\u5404\u5927\u8ca1\u7d93\u65b0\u805e\u5373\u6642\u67e5\u95b1\u3002<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2332\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2332\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Q3\uff1a\u751a\u9ebc\u662f H\u6309\u7684\u300c\u9396\u606f\u4e0a\u9650\uff08\u5c01\u9802\u4f4d\uff09\u300d\uff1f <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2332\" class=\"elementor-element elementor-element-9434473 e-con-full e-flex e-con e-child\" data-id=\"9434473\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1623041 elementor-widget elementor-widget-text-editor\" data-id=\"1623041\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u9396\u606f\u4e0a\u9650\u662f\u9280\u884c\u70ba H\u6309 \u8a2d\u5b9a\u7684\u6700\u9ad8\u5229\u7387\u9632\u7dda\uff08\u901a\u5e38\u8207 P\u6309 \u5229\u7387\u770b\u9f4a\uff09\u3002\u7576 HIBOR \u98c6\u5347\u5c0e\u81f4\u00a0H+X%\u00a0\u9ad8\u65bc\u5c01\u9802\u4f4d\u6642\uff0c\u696d\u4e3b\u53ea\u9700\u4ee5\u5c01\u9802\u4f4d\u5229\u7387\u4f9b\u6a13\u3002<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2333\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2333\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Q4\uff1aH\u6309\u5229\u7387\u516c\u5f0f\uff08\u5982 H+1.3%\uff09\u600e\u6a23\u8a08\u7b97\u5be6\u969b\u6309\u606f\uff1f <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2333\" class=\"elementor-element elementor-element-779598d e-con-full e-flex e-con e-child\" data-id=\"779598d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8220f4f elementor-widget elementor-widget-text-editor\" data-id=\"8220f4f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u5c07\u4f60\u91cd\u8a02\u6309\u63ed\u65e5\u7576\u5929\u7684\u300c1\u500b\u6708 HIBOR\u300d\u52a0\u4e0a 1.3%\u3002\u82e5\u76f8\u52a0\u7d50\u679c\u4f4e\u65bc\u5c01\u9802\u4f4d\uff0c\u5373\u70ba\u5be6\u969b\u6309\u606f\uff1b\u82e5\u76f8\u52a0\u7d50\u679c\u9ad8\u65bc\u5c01\u9802\u4f4d\uff0c\u5247\u6309\u5c01\u9802\u4f4d\u8a08\u7b97\u3002<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2334\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2334\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Q5\uff1a\u751a\u9ebc\u662f\u5927 P \u8207\u7d30 P\uff1f\u5c0d\u6309\u63ed\u5229\u7387\u6709\u4f55\u5f71\u97ff\uff1f <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2334\" class=\"elementor-element elementor-element-72387da e-con-full e-flex e-con e-child\" data-id=\"72387da\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7034ade elementor-widget elementor-widget-text-editor\" data-id=\"7034ade\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u7d30 P\uff08\u5982 5.625%\uff09\u4e3b\u8981\u662f\u532f\u8c50\u3001\u6046\u751f\u3001\u4e2d\u9280\u63a1\u7528\u7684\u6700\u512a\u60e0\u5229\u7387\uff1b\u5927 P\uff08\u5982 5.875%\uff09\u662f\u5176\u4ed6\u9280\u884c\u63a1\u7528\u7684\u5229\u7387\u3002\u9280\u884c\u6703\u8abf\u6574\u6263\u6e1b\u7387\uff08Y%\uff09\uff0c\u4f7f\u6700\u7d42\u7684 P\u6309 \/ \u5c01\u9802\u4f4d\u5be6\u969b\u5229\u7387\u4fdd\u6301\u4e00\u81f4\u3002<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2335\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2335\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Q6\uff1a\u6e1b\u606f\u9031\u671f\u4e0b\uff0c\u9078\u64c7 H\u6309\u6703\u6bd4 P\u6309\u66f4\u5212\u7b97\u55ce\uff1f <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2335\" class=\"elementor-element elementor-element-d224be2 e-con-full e-flex e-con e-child\" data-id=\"d224be2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce2f229 elementor-widget elementor-widget-text-editor\" data-id=\"ce2f229\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u662f\u7684\u3002\u5728\u6e1b\u606f\u9031\u671f\u4e2d\uff0cHIBOR \u901a\u5e38\u6703\u6bd4\u6700\u512a\u60e0\u5229\u7387\uff08P\uff09\u66f4\u5feb\u56de\u843d\uff0cH\u6309 \u696d\u4e3b\u80fd\u66f4\u65e9\u4eab\u53d7\u6309\u606f\u4e0b\u964d\u8207\u4f9b\u6a13\u958b\u652f\u6e1b\u5c11\u7684\u597d\u8655\u3002<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2336\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2336\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Q7\uff1a\u751a\u9ebc\u662f Mortgage-Link \u9ad8\u606f\u6236\u53e3\uff1f\u600e\u6a23\u5e6b\u4f9b\u6a13\u696d\u4e3b\u6173\u606f\uff1f <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2336\" class=\"elementor-element elementor-element-f982c39 e-con-full e-flex e-con e-child\" data-id=\"f982c39\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-01ad925 elementor-widget elementor-widget-text-editor\" data-id=\"01ad925\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u9019\u662f\u9280\u884c\u9644\u9001\u7684\u5132\u84c4\u6236\u53e3\uff0c\u5176\u5b58\u6b3e\u5229\u7387\u8207\u696d\u4e3b\u7684\u6309\u63ed\u5229\u7387\u76f8\u540c\u3002\u696d\u4e3b\u628a\u9592\u7f6e\u8cc7\u91d1\u5b58\u5165\u6236\u53e3\uff0c\u8cfa\u53d6\u7684\u5b58\u6b3e\u5229\u606f\u80fd\u76f4\u63a5\u5c0d\u6c96\u4f9b\u6a13\u5229\u606f\u3002<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-caae11b e-flex e-con-boxed e-con e-parent\" data-id=\"caae11b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aabc550 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"aabc550\" data-element_type=\"widget\" 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