#6
CCB (Asia) HIBOR Residential Mortgage Plan
H+1.30% (Cap 3.50%)(HK$3.5)
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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.
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View canonical entity profile (2 lists) →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
Pros and Cons
Pros
- Up to 1.0% cash rebate
- cross-border Greater Bay Area income verification convenience
Cons
- Branch sign-off required for final drawdown documentation
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
Things to Watch Out For
- Branch sign-off required for final drawdown documentation
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