有關樓按之同業拆息, p plan和定息問題

1: No. In 97, the HIBOR grows up to 200%, when the P rate is only 10%. It depends on market situation

2: Normally the answer is yes. However, some plan would only give a fix rate for a certain period (say 3yr or 5yr). After that period, a Prime rate would be quoted. You could ask the bank for more information before you decide which plan to choose. There is no definite answer on which plan is better. Sometime, the P-rate would be higher than the fix rate, or the vice versa. It all depends on market situation.

3: It depends on your acceptable risk level.

HIBOR: this plan offer the lowest rate NOW, but would fluctuate very much (high risk high return)

fix rate: this plan fix the rate, so the risk is fixed (the fix rate is known). Your monthly repayment won't change whatever the market situation is. Obviously, the fix rate provided must be higher than the P-rate offer at that time. (Low risk, low return)

Prime rate: this plan provide medium risk and medium return. the rate is less fluctuation than HIBOR rate, but not fixed.

If you have adequate cash flow on hand, you are suggested to use HIBOR plan. If your income is not stable and your mortgage repayment shares a high portion of your income, you should choose the fix rate plan.

私人住宅、未補地價居屋、唐樓、丁屋、村屋、舖位、工廠大廈、寫字樓及車位等等。
樓齡不限。
提供免費物業估價。
按揭最優惠利率可低至 P - 3.15%。
貸款額高達 95%，供款期長達 30 年。
適合任可人士申請，免入息證明 (包括固定，非固定入息人士及自僱人士也可)。
全程由本公司之專業顧問跟進，無需費心。
律師樓代辦手續，信心可靠。
現按揭於財務機構之高息按揭貸款，也可代轉回銀行之低息按揭。
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