Hang Seng Bank HIBOR Mortgage-Link Plan

Hang Seng Bank HIBOR Mortgage-Link Plan (恒生 HIBOR Mortgage-Link 按揭計劃) by Hang Seng Bank pairs a H+1.30% HIBOR rate with a P - 1.75% (Small P benchmark) cap (~3.50% effective ceiling) and up to 0.60% cash rebate. Key Metrics: Lender: Hang Seng Bank · HIBOR Spread: H + 1.30% · Prime Rate Cap: P - 1.75% (Small P benchmark) · Effective Cap Ceiling: 3.50% p.a. · Bank Cash Rebate: Up to 0.60% · Lock-In Period: 2 years · Deposit-Link Offset: Mortgage-Link high-interest current account up to 50% of outstanding loan. Eligibility: Maximum 0.60% cash rebate applies from HK$5,000,000 loan size; subject to HKMA LTV & debt-servicing underwriting and 2-year lock-in period..