#2
HSBC HIBOR Deposit-Linked Mortgage Plan
H+1.30% (Cap 3.50%)(HK$3.5)
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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.
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View canonical entity profile (2 lists) →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
Pros and Cons
Pros
- Fastest digital pre-approval & valuation in HK
- Small-P cap benchmark
- 50% Deposit-Linked high-interest offset account included
Cons
- Headline cash rebate slightly below mid-tier challenger banks on smaller loans under HK$4M
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
Things to Watch Out For
- Headline cash rebate slightly below mid-tier challenger banks on smaller loans under HK$4M
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