
CCB (Asia) HIBOR Residential Mortgage Plan (建行(亞洲) HIBOR 住宅按揭計劃) by China Construction Bank (Asia) pairs a H+1.30% HIBOR rate with a P - 2.00% (Large P benchmark) cap (~3.50% effective ceiling) and up to 1.00% cash rebate. Key Metrics: Lender: China Construction Bank (Asia) · HIBOR Spread: H + 1.30% · Prime Rate Cap: P - 2.00% (Large P benchmark) · Effective Cap Ceiling: 3.50% p.a. · Bank Cash Rebate: Up to 1.00% · Lock-In Period: 2 years · Deposit-Link Offset: 50% mortgage-link high-yield deposit account. Eligibility: Maximum 1.00% cash rebate applies from HK$5,000,000 loan size; subject to HKMA LTV & debt-servicing underwriting and 2-year lock-in period..
Ranked #6 on "BOC Hong Kong First-P-Then-H vs. HSBC Deposit-Linked HIBOR? Top 10 Best Mortgage Plans in Hong Kong 2026". Cast your vote to back or challenge this spot.
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