HIBOR plan

HIBOR plan


中銀: 1m hibor + 1%, ....

建行: 3m hibor +0.7%, capture P-2.5% cash rebate 0.7%

DBS: 1m hibor + 0.8% capture P-2.25% cash rebate 0.5%

渣打: 有兩個plans:
plan 1: 1m hibor+0.8% capture P-1.25% cash rebate 0.7%
plan 2: 1m hibor+0%, P-1.25% cash rebate 0.5%, 3 years within full payment-charge2.1%
手續費, 其實即係hibor+0.7%, 比較起plan 1 rebate 就少o的


S渣打)
Plan A: Hibor+0% (P-1.5 / 1.75%) for the first 3 years, thereafter Hibor + 0.7% Cap (P-1.5% / 1.75%)

1. 0.7% handling fee for the first 3 years
2. cash rebate (depends on cases)
3. No prepayment penalty (NO prepayment penalty)

Plan B: Hibor+0.8% (P-1.5%/1.75%)
1. around 0.3% cash rebate
2. Prepaymenty Penalty: 3% for the 1st year , 2% for the 2nd year , 1% for
the 3rd year

DBS (星展) (loan size need over 2M)
Hibor+0.8% (P-2.25%)
1. around 0.5 % cash rebate
2. Prepaymenty Penalty: 2% for the 1st year , 1% for the 2nd year , 1% for
the 3rd year

Bank of Communication (交通) (loan size need over 2M)
Hibor+0.78% (P-2.25%)
1. around 0.1 % cash rebate
2. Prepaymenty Penalty: 1% for the 1st year , 0.75% for the 2nd year ,0.5%
for the 3rd year

China Construction Bank(建行)
3個月Hibor+0.7% (P-2.7 %)
1. around 0.5 % cash rebate
2. Prepaymenty Penalty: 2% for the 1st year , 1% for the 2nd year , 1% for
the 3rd year


P Plan
Wing Hang (永亨)
Fixed 1.8% for the first years, thereafter P-3.05% (2.2%)
1. 0.8% cash rebate
2. Prepayment Penalty of the above plans : 2% for the 1st year , 1% for the
2nd year , 1% for the 3rd year

Bank of China (中銀)
P-2.8% (2.2%)
1. 1% cash rebate
2. Prepayment Penalty of the above plans : 2% for the 1st year, 1% for the
2nd year

Nanyang Commercial (南洋)
P-2.8% (2.2%)
1. 1% cash rebate
2. Prepayment Penalty of the above plans : 2% for the 1st year, 1% for the
2nd year

HSBC(匯豐)
P-2.8% (2.2%)
1. 1% cash rebate
2. Prepayment Penalty of the above plans : 2% for the 1st year, 1% for the
2nd year