HSBC HIBOR Deposit-Linked Mortgage Plan

HSBC HIBOR Deposit-Linked Mortgage Plan (滙豐 HIBOR 高息存款掛鈎按揭計劃) by HSBC Hong Kong pairs a H+1.30% HIBOR rate with a P - 1.75% (Small P = 5.625% / 5.0% ref; capped ~3.25%–3.875%) cap (~3.50% effective ceiling) and up to 0.65% cash rebate. Key Metrics: Lender: HSBC Hong Kong · HIBOR Spread: H + 1.30% · Prime Rate Cap: P - 1.75% (Small P = 5.625% / 5.0% ref; capped ~3.25%–3.875%) · Effective Cap Ceiling: 3.50% p.a. · Bank Cash Rebate: Up to 0.65% · Lock-In Period: 2 years · Deposit-Link Offset: Up to 50% of outstanding principal earns mortgage-matching interest rate. Eligibility: Maximum 0.65% cash rebate applies from HK$5,000,000 loan size; subject to HKMA LTV & debt-servicing underwriting and 2% Year 1 / 1% Year 2 clawback of cash rebate..