tag:blogger.com,1999:blog-5164580522096853953.post426414910967943363..comments2024-03-27T12:07:25.797+08:00Comments on Poor Guy HK Blog: HIBOR按揭計劃更「慳」息PGHKhttp://www.blogger.com/profile/07590594393150503039noreply@blogger.comBlogger50125tag:blogger.com,1999:blog-5164580522096853953.post-8816663833630038012013-03-22T16:47:43.449+08:002013-03-22T16:47:43.449+08:00謝謝你的回覆
如現在
P plan 2.15%
H plan 0.22+1.8=2.02%
你會選擇...謝謝你的回覆<br />如現在<br />P plan 2.15%<br />H plan 0.22+1.8=2.02%<br />你會選擇???<br />THX THX THXAnonymoushttps://www.blogger.com/profile/06154215604318343582noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-19645142597604621822013-03-11T15:10:17.005+08:002013-03-11T15:10:17.005+08:00篇野都有講, 緊係用hibor la..
因為hibor係最有效反影資金成本, 同埋有cap,好安全...篇野都有講, 緊係用hibor la..<br />因為hibor係最有效反影資金成本, 同埋有cap,好安全了。<br /><br />今日1 month :o.22%<br /><br />PGHKhttps://www.blogger.com/profile/09243152030370130699noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-66447352519934989712013-03-11T15:02:32.419+08:002013-03-11T15:02:32.419+08:00現在是否差不多嗎
thx thx thx現在是否差不多嗎 <br />thx thx thxAnonymoushttps://www.blogger.com/profile/06154215604318343582noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-24969957512819643392013-03-11T14:55:03.412+08:002013-03-11T14:55:03.412+08:00如現在用咩PLAN好呢??????
THX THX THX如現在用咩PLAN好呢??????<br />THX THX THXAnonymoushttps://www.blogger.com/profile/06154215604318343582noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-15178429184480332592013-03-11T14:49:31.736+08:002013-03-11T14:49:31.736+08:00如現在應該用咩PLAN好呢?????謝謝如現在應該用咩PLAN好呢?????謝謝Anonymoushttps://www.blogger.com/profile/06154215604318343582noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-82366470096463098522011-11-03T09:09:58.090+08:002011-11-03T09:09:58.090+08:00而家P/H差唔多. 1M hibor係平(~0.22%) 不過+得多(+2.7%)
hibor應該...而家P/H差唔多. 1M hibor係平(~0.22%) 不過+得多(+2.7%)<br /><br />hibor應該出年尾都keep住平<br />Prime plan P-2.5~3%, 都係睇下其他優惠邊個多, 味用邊個羅. P rate間間有, 反而hibor plan唔係, 同埋買樓最好access銀行做唔做個價<br /><br />供樓係頭幾年辛苦,過佐罰息期如果O的利息開始升都係一舊舊還, 咁好快供完層樓<br /><br />大家努力, 云多O的jetso, 儲儲埋埋還多O的比銀行啦.PGHKhttps://www.blogger.com/profile/09243152030370130699noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-12077821047588252132011-11-03T01:56:42.145+08:002011-11-03T01:56:42.145+08:00你好,希望版主睇到。
想請教一下,究竟而家用HIBOR抵還是P抵? 我睇來睇去,計來計去都唔識點計,...你好,希望版主睇到。<br />想請教一下,究竟而家用HIBOR抵還是P抵? 我睇來睇去,計來計去都唔識點計,邊間比較抵,可否比點意見?mandyhttps://www.blogger.com/profile/03578144154392786235noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-27927542993439894462011-11-03T01:54:17.214+08:002011-11-03T01:54:17.214+08:00希望版主有留意到。
想請教一下,而家究竟係HIBOR抵D 定P 抵D,我睇黎睇去,計黎計去都計唔掂邊...希望版主有留意到。<br />想請教一下,而家究竟係HIBOR抵D 定P 抵D,我睇黎睇去,計黎計去都計唔掂邊間好D,好頭痛,可否俾點意見??mandyhttps://www.blogger.com/profile/03578144154392786235noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-8043957624185759672010-10-18T00:16:53.305+08:002010-10-18T00:16:53.305+08:00我想請教一下,可否就我既個案提供意見?
我3年前响SCB做咗個MORTGAGE,係PRIME RA...我想請教一下,可否就我既個案提供意見?<br /><br />我3年前响SCB做咗個MORTGAGE,係PRIME RATE (唔記得P-幾多,要CHECK返),嗰時未知會唔會長住,又唸住啲錢擺响自己到隨時可以投資,所以一個月都係供HK$4,700左右,但要供25年。宜家過咗罰息期,我想搬走將呢層樓租出去COVER返供機既錢,但係似乎我冇能力買多層…無論如何,宜家考慮緊:<br />1)做部份還款加轉HIBOR<br />2)單轉HIBOR<br />3)唔轉<br /><br />SCB比做個QUOTE我:<br />1-mth hibor + 0.7% (current rate = 0.9504%p.a.) or prime @ 2.9% (whichever is lower)<br />early redemption charge within 1st yr = hk$19,050<br />conversion fee waived<br />re-pricing fee waived<br />partial prepayment admin fee = HK$1,000 (or any amount as specified/revised by bank)<br />if made within 1st yr, additional charge @0.5% of reduced amount will be charged<br />no loan amendment allowed during the hibor fixing period<br />can change from hibor to prime within handling fee<br /><br />我問過SCB,如果我做埋部份還款就未必俾到+0.7%我,可能會係+1%(如果冇記錯)<br /><br />可唔可以俾啲意見我?唔好意思,銀行要我一個25號前覆…所以有啲趕…<br /><br />唔該晒!!!Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-73654902169996689222010-05-06T13:55:30.050+08:002010-05-06T13:55:30.050+08:00咁講啦..
1) P - 2.8 = 5
2) p -2.5 = 5
我會簡option 1, 博...咁講啦..<br />1) P - 2.8 = 5<br />2) p -2.5 = 5<br /><br />我會簡option 1, 博佢P = p, 到時可以平o的息<br /><br />不過你個case 就難o的, 開頭已經貴o的, P=p機會細o的PGHKhttps://www.blogger.com/profile/09243152030370130699noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-35354781812019184912010-05-06T12:42:59.030+08:002010-05-06T12:42:59.030+08:00假設幾間銀行的HIBOR +0.7, 如要比較CAP的話, 是否CAP P-2.8(P=5.25),...假設幾間銀行的HIBOR +0.7, 如要比較CAP的話, 是否CAP P-2.8(P=5.25),會較P-2.5(P=5)優惠? 因將來P升的話, -2.8的話減幅會較大?Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-19476992473445823722010-04-26T20:22:49.377+08:002010-04-26T20:22:49.377+08:00hsbc:
HIBOR H+0.65,where Hibro=0.055, CAP p-2.6, ...hsbc:<br /><br />HIBOR H+0.65,where Hibro=0.055, CAP p-2.6, where P=5, rebate 0.65 Penality : forgetAnonymoushttp://(選用)noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-69341981311060859802010-03-02T11:37:03.443+08:002010-03-02T11:37:03.443+08:00I have called scb but she has no more HIBOR plan.....I have called scb but she has no more HIBOR plan....Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-24411340282472576252010-02-01T13:26:37.676+08:002010-02-01T13:26:37.676+08:00bank d is scb.
bank a, i think it is dbs.
同一年通常都唔會...bank d is scb.<br />bank a, i think it is dbs.<br />同一年通常都唔會full payment. bank a is ok wor.<br /><br />for solicitor company. 最好云o的相熟,同埋要留意個solicitor 係唔係間bank 既list 入面, 唔係既話做mortgage 可能有問題PGHKhttps://www.blogger.com/profile/09243152030370130699noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-4627461234033450852010-02-01T13:16:37.723+08:002010-02-01T13:16:37.723+08:00請問Bank A 係邊間 ? Thank you請問Bank A 係邊間 ? Thank youAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-55513253065942830222010-01-29T00:08:21.401+08:002010-01-29T00:08:21.401+08:00I want to borrow $1.75M and got the following four...I want to borrow $1.75M and got the following four offers now:<br /><br />1. Bank A:<br />H+0.7% Cap=P-2.75% cash rebate=0.7%<br />penality : 1st yr: 2%; 2nd yr:0.7%; 3rd yr: 0.7%<br /><br />2. Bank B:<br />H+0.7% Cap=P-2.75% cash rebate=0.6%<br />penality : 1st yr: 1%; 2nd yr:0.6%; 3rd yr: 0.6%<br /><br />3. Bank C:<br />H+0.7% Cap=P-2.75% cash rebate=0.6%<br />penality : 1st yr: 2%; 2nd yr:0.6%; 3rd yr: 0.3%<br /><br />4. Bank D:<br />H+0% for first 3 yrs and H+0.65% afterwards; Cap=P-2.75%; NO cash rebate ; <br />admin fee: 0.65% x 3 yrs.<br /><br />The P rate of all banks is 5.25% now.<br /><br />Which one is better?<br /><br />By the way, which solicitor company is better and cheaper for re-mortgage?<br /><br />Thanks a lot.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-91880502522232523792010-01-17T16:58:10.542+08:002010-01-17T16:58:10.542+08:00呢篇http://pghk.blogspot.com/2009/04/hibor.html
你個c...呢篇<a rel="nofollow">http://pghk.blogspot.com/2009/04/hibor.html</a><br /><br />你個case 借124.6, cash rebate 即係有相差三千幾文, <br /><br />如果一路keep住而家rate,用hibor 要俾85,482利息, 用P plan 要 197,261利息, <br /><br />如果hibor keep 住而家咁,最多半年已經賺反個cash rebate. 如果hibor 個cap 愈低更加好.PGHKhttps://www.blogger.com/profile/07590594393150503039noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-7539472703218411492010-01-16T12:02:59.317+08:002010-01-16T12:02:59.317+08:00我打算借$124.6萬...
HIBOR PLAN H+.7% CASH REBATE 0.7%
P...我打算借$124.6萬...<br />HIBOR PLAN H+.7% CASH REBATE 0.7%<br />P PLAN P(5.25%)-3.25% CASH REBATE 1%<br />你認為選那一個好呢?<br />另外,你提到信報那一天報導Unknownhttps://www.blogger.com/profile/05696098206664520298noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-44910123924942177232010-01-15T15:14:42.456+08:002010-01-15T15:14:42.456+08:00http://www.editgrid.com/user/rghk/hibor
而家用緊係so l...http://www.editgrid.com/user/rghk/hibor<br /><br />而家用緊係so la.. 如果唔係有乜特別事件,個cap 又靚 e.g. P-2.5, 一路用hibor都唔錯<br /><br />之前信報果篇有作比較PGHKhttps://www.blogger.com/profile/09243152030370130699noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-41380044735181644222010-01-15T02:43:40.876+08:002010-01-15T02:43:40.876+08:00我想問現在用H plan 仲有無著數...是否只可短期用,然後要轉按...我想問現在用H plan 仲有無著數...是否只可短期用,然後要轉按...Unknownhttps://www.blogger.com/profile/05696098206664520298noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-13636166590714347362010-01-15T02:41:36.523+08:002010-01-15T02:41:36.523+08:00我想問現在用H plan 還有無著數..我想問現在用H plan 還有無著數..Unknownhttps://www.blogger.com/profile/05696098206664520298noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-39709669391152739362009-10-15T20:03:00.882+08:002009-10-15T20:03:00.882+08:00回應"匿名"
問過渣打. 改佐policy, 用hibor 而家每個月都同cap...回應"匿名"<br />問過渣打. 改佐policy, 用hibor 而家每個月都同cap計一次, 邊個平用邊個, 用以前唔同. <br />另外渣打冇網上valuation(其實o的e-valuation) 都好流. 直接o的可以打去上問,渣打個價界呼hsbc 同恆生之間, <br /><br />如果有心水單位, 業主開佐, 可以打上去估價, 等自己有個預算 28868855<br />http://www.standardchartered.com.hk/personal-banking/mortgages/hibor-based-mortgage/en/PGHKhttps://www.blogger.com/profile/07590594393150503039noreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-9918444971779059352009-10-14T11:49:49.089+08:002009-10-14T11:49:49.089+08:00之前工行個OFFER 幾好
再向SCB 傾
我現在簽左SCB
one month H+0.7% Ca...之前工行個OFFER 幾好<br />再向SCB 傾<br />我現在簽左SCB<br />one month H+0.7% Cap P-2.75<br />0.6% Cash rebate <br />罰息 <br />1st: 50,000 <br />2nd -3rd : return cash rebate amount<br /><br />仲送120k credit card point + supermarker coupon <br />Buy one yr free one yr Fire insurance + free one yr home content insuranceAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-89310538257586536022009-10-08T23:54:35.627+08:002009-10-08T23:54:35.627+08:00i ask several branches of charter bank today, and ...i ask several branches of charter bank today, and all of them reply that the HIBOR plan and the cap are compared every month and see whichever is lower wor... seems different from what u mentioned that the cap will be charged thereafter whenever the HIBOR exceeds the cap. So which one is true? Anyone can clarify???Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-5164580522096853953.post-50074629191132731152009-10-08T09:18:07.466+08:002009-10-08T09:18:07.466+08:00渣打plan 係gimmick 野.同埋岩炒家用多o的.
用佢一年俾0.7%, 二年1.4%, 三年...渣打plan 係gimmick 野.同埋岩炒家用多o的.<br />用佢一年俾0.7%, 二年1.4%, 三年2.1%, <br />拉云大約hibor+0.75% 到, 同埋好似有o的其他charge, <br />佢想你快o的俾曬,PGHKhttps://www.blogger.com/profile/09243152030370130699noreply@blogger.com