\ud83d\udccb \u4e00\u30012026 \u6700\u65b0\u89c4\u5219\uff1a\u6309\u63ed\u6210\u6570\u4e03\u6210\u3001DSR \u4e94\u6210
\u9999\u6e2f\u7684\u6309\u63ed\u89c4\u5219\u8fc7\u53bb\u51e0\u5e74\u6539\u4e86\u597d\u51e0\u8f6e\uff0c\u5f88\u591a\u7f51\u4e0a\u6d41\u4f20\u7684”\u653b\u7565”\u8fd8\u5728\u8bb2\u65e7\u6807\u51c6\u3002\u5148\u7ed9\u4f60\u5f53\u524d\u6709\u6548\u7684\u7248\u672c\u3002
\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\u4e8e 2024 \u5e74 10 \u6708 16 \u65e5\u4fee\u8ba2\u9002\u7528\u4e8e\u7269\u4e1a\u6309\u63ed\u8d37\u6b3e\u7684\u9006\u5468\u671f\u5b8f\u89c2\u5ba1\u614e\u76d1\u7ba1\u63aa\u65bd\uff0c\u628a\u6240\u6709\u4f4f\u5b85\u7269\u4e1a\u548c\u975e\u4f4f\u5b85\u7269\u4e1a\u7684\u6700\u9ad8\u6309\u63ed\u6210\u6570\u548c\u300c\u4f9b\u6b3e\u4e0e\u5165\u606f\u6bd4\u7387\u300d\u4e0a\u9650\uff0c\u56de\u590d\u81f3 2009 \u5e74\u9996\u6b21\u63a8\u51fa\u9006\u5468\u671f\u63aa\u65bd\u4ee5\u524d\u7684\u6c34\u5e73\uff1a
| \u9879\u76ee | \u73b0\u884c\u4e0a\u9650 |
|---|---|
| \u4f4f\u5b85\u7269\u4e1a\u6700\u9ad8\u6309\u63ed\u6210\u6570 | \u4e03\u6210\uff0870%\uff09\u2014\u2014\u4e0d\u8bba\u7269\u4e1a\u4ef7\u503c\u3001\u662f\u5426\u81ea\u7528\u3001\u662f\u5426\u516c\u53f8\u6301\u6709 |
| \u975e\u4f4f\u5b85\u7269\u4e1a\uff08\u5199\u5b57\u697c\u3001\u5546\u94fa\u3001\u5de5\u53a6\uff09\u6700\u9ad8\u6309\u63ed\u6210\u6570 | \u4e03\u6210\uff0870%\uff09 |
| \u4ee5\u300c\u8d44\u4ea7\u6c34\u5e73\u300d\u4e3a\u5ba1\u6279\u57fa\u7840\u7684\u6309\u63ed\u6210\u6570 | \u4e03\u6210\uff0870%\uff09\uff08\u7531\u516d\u6210\u63d0\u5347\uff09 |
| \u300c\u4f9b\u6b3e\u4e0e\u5165\u606f\u6bd4\u7387\u300d\uff08DSR\uff09\u4e0a\u9650 | \u4e94\u6210\uff0850%\uff09\u2014\u2014\u81ea\u7528\u4e0e\u975e\u81ea\u7528\u7edf\u4e00 |
| \u7269\u4e1a\u6309\u63ed\u6700\u957f\u8fd8\u6b3e\u5e74\u671f | 30 \u5e74 |
| \u8f66\u4f4d\u6309\u63ed\u6700\u957f\u8fd8\u6b3e\u5e74\u671f | 15 \u5e74 |
\ud83d\udccc \u8fd9\u6b21\u4fee\u8ba2\u8fd8\u505a\u4e86\u4e24\u4ef6\u4e8b\uff0c\u5f88\u591a\u4eba\u4e0d\u77e5\u9053\uff1a
- \u2705 \u53d6\u6d88\u4e86”\u4e8c\u5957\u623f\u51cf\u4e00\u6210”\u7684\u8981\u6c42\uff1a\u4ee5\u5f80\u6309\u63ed\u7533\u8bf7\u4eba\u5982\u5c31\u5176\u4ed6\u6309\u63ed\u7269\u4e1a\u6709\u501f\u8d37\u6216\u62c5\u4fdd\uff0c\u987b\u8c03\u4f4e\u6309\u63ed\u6210\u6570\u4e0a\u9650\u53ca DSR \u4e0a\u9650 10 \u4e2a\u767e\u5206\u70b9\uff0c\u73b0\u5728\u53d6\u6d88\u4e86\uff1b
- \u2705 \u6682\u505c\u4e86\u52a0\u606f\u538b\u529b\u6d4b\u8bd5\uff1a\u91d1\u7ba1\u5c40\u81ea 2024 \u5e74 2 \u6708 28 \u65e5\u8d77\uff0c\u6682\u505c\u5047\u8bbe\u6309\u63ed\u5229\u7387\u4e0a\u5347 200 \u4e2a\u57fa\u70b9\u7684\u538b\u529b\u6d4b\u8bd5\u8981\u6c42\u3002
\ud83d\udcc5 \u9002\u7528\u65f6\u95f4\u70b9\uff1a\u4ee5\u4e0a\u4fee\u8ba2\u9002\u7528\u4e8e 2024 \u5e74 10 \u6708 16 \u65e5\u6216\u4ee5\u540e\u7b7e\u8ba2\u4e34\u65f6\u4e70\u5356\u5408\u7ea6\u7684\u7269\u4e1a\u4ea4\u6613\uff0c\u4e5f\u9002\u7528\u4e8e\u6b64\u524d\u5df2\u7b7e\u4e34\u65f6\u4e70\u5356\u5408\u7ea6\u3001\u4f46\u5728\u8be5\u65e5\u6216\u4ee5\u540e\u9884\u8ba1\u5b8c\u6210\u7684\u697c\u82b1\u7269\u4e1a\u6309\u63ed\u7533\u8bf7\u3002
\ud83d\udcdd \u4e8c\u3001\u4f60\u80fd\u501f\u591a\u5c11\uff1f\u5148\u7b97\u6309\u63ed\u6210\u6570\uff0c\u518d\u7b97 DSR
\ud83c\udfe6 \u94f6\u884c\u6279\u591a\u5c11\uff0c\u53d6\u51b3\u4e8e\u4e24\u9053\u5173\u5361\uff0c\u7f3a\u4e00\u4e0d\u53ef\u3002
\u7b2c\u4e00\u5173\uff1a\u6309\u63ed\u6210\u6570
\u4ee5 1000 \u4e07\u6e2f\u5143\u7684\u4f4f\u5b85\u4e3a\u4f8b\uff0c\u6309\u63ed\u6210\u6570\u4e0a\u9650\u4e03\u6210\uff0c\u5373\u6700\u591a\u53ef\u501f 700 \u4e07\uff0c\u9996\u671f 300 \u4e07\u3002
\u7b2c\u4e8c\u5173\uff1a\u4f9b\u6b3e\u4e0e\u5165\u606f\u6bd4\u7387\uff08DSR\uff09
DSR \uff1d \u6bcf\u6708\u603b\u4f9b\u6b3e \u00f7 \u6bcf\u6708\u6536\u5165\uff0c\u4e0a\u9650 50%\u3002\u6ce8\u610f\u8fd9\u91cc\u662f”\u603b\u4f9b\u6b3e”\u2014\u2014\u5305\u62ec\u6309\u63ed\u4f9b\u6b3e\u52a0\u4e0a\u5176\u4ed6\u503a\u52a1\uff08\u79c1\u4eba\u8d37\u6b3e\u3001\u4fe1\u7528\u5361\u5206\u671f\u3001\u8f66\u8d37\u7b49\uff09\u3002
\ud83d\udcca \u7c97\u7565\u5012\u63a8\uff08\u793a\u610f\uff0c\u672a\u8ba1\u5176\u4ed6\u503a\u52a1\u4e0e\u5229\u7387\u53d8\u52a8\uff09\uff1a
| \u6bcf\u6708\u6536\u5165 | DSR 50% \u5bf9\u5e94\u6bcf\u6708\u53ef\u627f\u53d7\u4f9b\u6b3e |
|---|---|
| HK$40,000 | \u7ea6 HK$20,000 |
| HK$60,000 | \u7ea6 HK$30,000 |
| HK$80,000 | \u7ea6 HK$40,000 |
| HK$100,000 | \u7ea6 HK$50,000 |
\ud83d\udca1 \u53cd\u8fc7\u6765\u8bf4\uff1a\u5982\u679c\u4f60\u6bcf\u6708\u8981\u8fd8 3 \u4e07\uff0c\u6536\u5165\u5c31\u5f97\u6709 6 \u4e07\uff1b\u8981\u8fd8 5 \u4e07\uff0c\u6536\u5165\u5c31\u5f97\u6709 10 \u4e07\u3002\u8fd9\u5c31\u662f\u4e3a\u4ec0\u4e48\u5f88\u591a\u65b0\u6765\u6e2f\u5bb6\u5ead”\u9996\u671f\u591f\u3001\u6536\u5165\u4e0d\u591f”\uff0c\u6700\u540e\u8fd8\u662f\u501f\u4e0d\u5230\u76ee\u6807\u91d1\u989d\u3002
\ud83d\udccc \u91d1\u7ba1\u5c40\u7f51\u9875\u63d0\u4f9b\u300c\u6309\u63ed\u4f9b\u6b3e\u8ba1\u7b97\u673a\u300d\uff0c\u53ef\u8f93\u5165\u6309\u63ed\u91d1\u989d\u3001\u5229\u7387\u3001\u5e74\u671f\u548c\u6bcf\u6708\u6536\u5165\uff0c\u76f4\u63a5\u7b97\u51fa\u6bcf\u6708\u4f9b\u6b3e\u989d\u3001\u4f9b\u6b3e\u4e0e\u5165\u606f\u6bd4\u7387\uff0c\u4ee5\u53ca\u5229\u7387\u53d8\u5316\u5bf9\u4f9b\u6b3e\u7684\u5f71\u54cd\u3002\u8ba1\u7b97\u7ed3\u679c\u4e3a\u4f30\u7b97\u503c\uff0c\u4ec5\u4f9b\u53c2\u8003\u3002
\u26a0\ufe0f \u65b0\u6765\u6e2f\u4eba\u58eb\u7279\u522b\u6ce8\u610f\uff1a\u94f6\u884c\u5ba1\u6279\u65f6\u4f1a\u770b\u8fd8\u6b3e\u80fd\u529b\uff0c\u800c\u8fd8\u6b3e\u80fd\u529b\u7684\u6838\u5fc3\u8bc1\u636e\u662f\u9999\u6e2f\u7684\u7a33\u5b9a\u6536\u5165\u3002\u521a\u6765\u6e2f\u3001\u53ea\u6709\u5185\u5730\u6536\u5165\u6216\u6536\u5165\u4ee5\u4f63\u91d1/\u82b1\u7ea2\u4e3a\u4e3b\u7684\u60c5\u51b5\uff0c\u94f6\u884c\u901a\u5e38\u4f1a\u66f4\u4fdd\u5b88\uff0c\u751a\u81f3\u8981\u6c42\u66f4\u9ad8\u7684\u9996\u671f\u6216\u52a0\u62c5\u4fdd\u4eba\u3002\u843d\u8ba2\u524d\u5148\u627e\u94f6\u884c\u505a\u9884\u6279\uff08pre-approval\uff09\uff0c\u522b\u5148\u4ed8\u8ba2\u91d1\u3002
\ud83d\udcdd \u4e09\u3001H \u6309 vs P \u6309\uff1a\u4e24\u79cd\u8ba1\u606f\u65b9\u5f0f\u600e\u4e48\u9009
\u9999\u6e2f\u7684\u6309\u63ed\u5229\u7387\u4e3b\u8981\u6709\u4e24\u79cd\u5b9a\u4ef7\u53c2\u8003\uff0c\u4e24\u8005\u90fd\u662f\u6d6e\u52a8\u606f\u7387\u3002
| H \u6309\uff08\u9999\u6e2f\u94f6\u884c\u540c\u4e1a\u62c6\u606f\u6309\u63ed\uff09 | P \u6309\uff08\u6700\u4f18\u60e0\u5229\u7387\u6309\u63ed\uff09 | |
|---|---|---|
| \u8ba1\u7b97\u65b9\u5f0f | HIBOR \uff0b \u67d0\u4e2a\u767e\u5206\u70b9\uff0c\u6216\u8ba1\u5212\u4e2d\u7684\u9501\u606f\u4e0a\u9650\uff08\u5982\u6709\uff09\uff0c\u4ee5\u8f83\u4f4e\u8005\u4e3a\u51c6 | \u76f8\u5173\u94f6\u884c\u7684\u6700\u4f18\u60e0\u5229\u7387\uff08P\uff09\u51cf\u67d0\u4e2a\u767e\u5206\u70b9 |
| \u6ce2\u52a8\u6027 | HIBOR \u53d8\u52a8\u8f83\u591a\uff0c\u4f46\u591a\u8bbe\u6709\u4e0a\u9650 | P \u7684\u53d8\u52a8\u8f83\u5c11\uff0c\u4f46\u5404\u5bb6\u94f6\u884c\u7684 P \u9887\u4e3a\u4e0d\u540c |
| \u9002\u5408\u8c01 | \u60f3\u4eab\u53d7\u4f4e\u606f\u3001\u80fd\u627f\u53d7\u77ed\u671f\u6ce2\u52a8 | \u60f3\u4f9b\u6b3e\u7a33\u5b9a\u3001\u6015\u5229\u7387\u4e0a\u843d |
\ud83d\udcca \u5e02\u573a\u5b9e\u51b5\uff082026 \u5e74\uff09\uff1a\u4ee5 HIBOR \u4f5c\u4e3a\u5b9a\u4ef7\u53c2\u8003\u7684\u65b0\u6279\u6309\u63ed\u8d37\u6b3e\u5360\u6bd4\uff0c2026 \u5e74 6 \u6708\u4e3a 70%\uff0c7 \u6708\u964d\u81f3 61%\uff1b\u4ee5\u6700\u4f18\u60e0\u8d37\u6b3e\u5229\u7387\u5b9a\u4ef7\u7684\u5360\u6bd4\u7ef4\u6301\u5728 1.3%\u3002\u53ef\u89c1 H \u6309\u4ecd\u662f\u7edd\u5bf9\u4e3b\u6d41\u3002
\ud83d\udca1 \u5212\u91cd\u70b9\uff1a\u6bd4\u8f83\u6309\u63ed\u8ba1\u5212\u65f6\uff0c\u4e0d\u8981\u53ea\u770b”H+\u51e0”\u8fd9\u4e2a\u6570\u5b57\uff0c\u8981\u770b”\u5b9e\u8d28\u6309\u63ed\u5229\u7387”\u3002\u91d1\u7ba1\u5c40\u660e\u786e\u63d0\u9192\uff1a\u501f\u6b3e\u4eba\u5b9c\u67e5\u8be2\u5b9e\u8d28\u6309\u63ed\u5229\u7387\u4ee5\u6bd4\u8f83\u6309\u63ed\u8ba1\u5212\u7684\u4ef7\u683c\u3002
\ud83d\udcb5 \u56db\u3001\u9996\u671f\u4e4b\u5916\u7684\u9690\u6027\u6210\u672c\u6e05\u5355
\ud83d\udcb0 \u5f88\u591a\u4eba\u53ea\u7b97\u4e86\u9996\u671f\uff0c\u7ed3\u679c\u4ea4\u697c\u65f6\u53d1\u73b0\u94b1\u4e0d\u591f\u3002\u91d1\u7ba1\u5c40\u5728\u300c\u667a\u9192\u9526\u56ca\u2014\u2014\u6309\u63ed\u300d\u91cc\u70b9\u540d\u4e86\u8fd9\u4e9b\u989d\u5916\u5f00\u652f\uff1a
| \u9879\u76ee | \u8bf4\u660e |
|---|---|
| \u6309\u63ed\u884c\u653f\u8d39 | \u94f6\u884c\u6536\u53d6 |
| \u5f8b\u5e08\u8d39 | \u4e70\u5356\u5408\u7ea6\u4e0e\u6309\u63ed\u5951\uff0c\u901a\u5e38\u4e24\u7b14 |
| \u4fdd\u9669\u8d39\u7528 | \u706b\u9669\uff0f\u5bb6\u5c45\u4fdd\u9669\uff0c\u6309\u63ed\u94f6\u884c\u4e00\u822c\u4f1a\u8981\u6c42 |
| \u4f30\u4ef7\u62a5\u544a\u8d39\u7528 | \u94f6\u884c\u59d4\u6258\u6d4b\u91cf\u5e08\u4e3a\u7269\u4e1a\u4f30\u4ef7 |
| \u5370\u82b1\u7a0e | \u6309\u7269\u4e1a\u4ef7\u683c\u4e0e\u7a0e\u7387\u8ba1\u7b97 |
| \u5730\u4ea7\u4ee3\u7406\u4f63\u91d1 | \u4e8c\u624b\u5e02\u573a\u4e00\u822c\u4e3a\u697c\u4ef7 1% |
| \u88c5\u4fee\u4e0e\u5bb6\u7535 | \u89c6\u5355\u4f4d\u72b6\u51b5\u800c\u5b9a\uff0c\u9999\u6e2f\u88c5\u4fee\u6210\u672c\u4e0d\u4f4e |
\ud83d\udccc \u53e6\u5916\u63d0\u9192\uff08\u91d1\u7ba1\u5c40\u539f\u6587\uff09\uff1a\u94f6\u884c\u6700\u7ec8\u6279\u6838\u7684\u6309\u63ed\u8d37\u6b3e\u91d1\u989d\u672a\u5fc5\u4e0e\u4f60\u7533\u8bf7\u7684\u91d1\u989d\u4e00\u81f4\u3002\u5728\u652f\u4ed8\u7269\u4e1a\u8ba2\u91d1\u524d\uff0c\u5b9c\u4fdd\u5b88\u4f30\u7b97\u53ef\u80fd\u4ece\u94f6\u884c\u83b7\u5f97\u7684\u6309\u63ed\u8d37\u6b3e\u91d1\u989d\uff0c\u4ee5\u514d\u843d\u8ba2\u540e\u5931\u53bb\u9884\u7b97\u3002
\u26a0\ufe0f \u5173\u4e8e\u975e\u94f6\u884c\u673a\u6784\u7684\u9ad8\u6210\u6570\u6309\u63ed\uff1a\u90e8\u5206\u5730\u4ea7\u53d1\u5c55\u5546\u548c\u8d22\u52a1\u516c\u53f8\u4f1a\u5411\u4e00\u624b\u7269\u4e1a\u4e70\u5bb6\u63d0\u4f9b”\u9ad8\u6210\u6570\u6309\u63ed\u8ba1\u5212”\u6216\u5176\u4ed6\u4f18\u60e0\u3002\u91d1\u7ba1\u5c40\u63d0\u9192\uff1a\u8981\u6e05\u695a\u4e86\u89e3\u6761\u6b3e\u7ec6\u8282\uff0c\u9664\u77ed\u671f\u4f18\u60e0\u5916\u4e5f\u5e94\u8003\u8651\u6574\u4e2a\u8fd8\u6b3e\u671f\u7684\u53d8\u6570\u2014\u2014\u90e8\u5206\u8ba1\u5212\u5728\u4f9b\u6b3e\u6570\u5e74\u540e\u6309\u63ed\u5229\u7387\u4f1a\u5927\u5e45\u63d0\u9ad8\uff0c\u4f9b\u6b3e\u91d1\u989d\u56e0\u800c\u663e\u8457\u589e\u52a0\u3002
\ud83d\udccc \u4e94\u3001\u6309\u63ed\u4fdd\u9669\u8ba1\u5212\uff08MIP\uff09\uff1a\u9996\u671f\u4e0d\u591f\u600e\u4e48\u529e
\ud83c\udfdb\ufe0f \u4e03\u6210\u6309\u63ed\u4e0a\u9650\u662f”\u94f6\u884c\u76f4\u63a5\u6279”\u7684\u4e0a\u9650\uff0c\u4f46\u9999\u6e2f\u8fd8\u6709\u4e00\u6761\u8def\u53ef\u4ee5\u501f\u66f4\u591a\u3002
\u6309\u63ed\u4fdd\u9669\u8ba1\u5212\u7531\u9999\u6e2f\u6309\u63ed\u8bc1\u5238\u6709\u9650\u516c\u53f8\u63a8\u51fa\uff0c\u5176\u5168\u8d44\u9644\u5c5e\u516c\u53f8\u9999\u6e2f\u6309\u8bc1\u4fdd\u9669\u6709\u9650\u516c\u53f8\u4e3a\u94f6\u884c\u63d0\u4f9b\u6309\u63ed\u4fdd\u9669\uff0c\u4f7f\u94f6\u884c\u53ef\u4ee5\u63d0\u4f9b\u9ad8\u6210\u6570\u7684\u6309\u63ed\u8d37\u6b3e\u800c\u6bcb\u987b\u627f\u62c5\u989d\u5916\u7684\u98ce\u9669\uff0c\u7f6e\u4e1a\u4eba\u58eb\u7684\u9996\u671f\u8d1f\u62c5\u53ef\u4ee5\u56e0\u6b64\u800c\u964d\u4f4e\u3002
\ud83d\udca1 \u8bf4\u4eba\u8bdd\uff1a\u94f6\u884c\u6015\u4f60\u501f\u592a\u591a\u4e0d\u8fd8\uff0c\u6240\u4ee5\u81ea\u5df1\u53ea\u6562\u501f\u4e03\u6210\uff1b\u6709\u4e86\u6309\u4fdd\u516c\u53f8\u7684\u4fdd\u9669\u515c\u5e95\uff0c\u94f6\u884c\u5c31\u6562\u501f\u516b\u6210\u751a\u81f3\u4e5d\u6210\uff0c\u5dee\u989d\u90a3\u90e8\u5206\u7684\u98ce\u9669\u7531\u4fdd\u9669\u516c\u53f8\u627f\u62c5\uff0c\u4f60\u4ed8\u4e00\u7b14\u4fdd\u8d39\u3002
\ud83d\udccc \u5b9e\u52a1\u8981\u70b9\uff08\u975e\u5b98\u65b9\u653f\u7b56\uff0c\u4f9b\u53c2\u8003\uff09\uff1a
- \ud83d\udcb0 \u4fdd\u8d39\u53ef\u4ee5\u4e00\u6b21\u4ed8\u6e05\uff0c\u4e5f\u53ef\u4ee5\u52a0\u501f\u5165\u6309\u63ed\u8d37\u6b3e\u5206\u671f\u644a\u8fd8\uff08\u540e\u8005\u4f1a\u8ba9\u603b\u8d37\u6b3e\u989d\u7565\u589e\uff09\uff1b
- \ud83d\udcc9 \u697c\u4ef7\u4e0b\u8dcc\u65f6\uff0c\u9ad8\u6210\u6570\u6309\u63ed\u6709\u673a\u4f1a\u89e6\u53d1\u8865\u5dee\u4ef7\u7684\u8981\u6c42\uff0c\u6761\u6b3e\u8981\u95ee\u6e05\u695a\uff1b
- \ud83d\udcc4 \u6309\u4fdd\u8ba1\u5212\u7684\u7533\u8bf7\u6761\u4ef6\u3001\u697c\u4ef7\u4e0a\u9650\u3001\u5e74\u671f\u4e0e\u4fdd\u8d39\u8868\u4f1a\u4e0d\u65f6\u8c03\u6574\uff0c\u4ee5\u9999\u6e2f\u6309\u8bc1\u4fdd\u9669\u516c\u53f8\u6700\u65b0\u516c\u5e03\u4e3a\u51c6\uff1b
- \ud83d\udd0d \u522b\u628a”\u6309\u4fdd”\u548c”\u53d1\u5c55\u5546\u9ad8\u6210\u6570\u6309\u63ed”\u6df7\u4e3a\u4e00\u8c08\u2014\u2014\u540e\u8005\u4e0d\u662f\u94f6\u884c\u4f53\u7cfb\u4ea7\u54c1\uff0c\u6761\u6b3e\u5dee\u5f02\u5f88\u5927\u3002
\u23f0 \u516d\u3001\u6309\u63ed\u7533\u8bf7\u6d41\u7a0b\u4e0e\u65f6\u95f4\u7ebf\uff08\u65b0\u6765\u6e2f\u4eba\u58eb\u7248\uff09
\ud83d\udcc5 \u4ece\u770b\u697c\u5230\u6536\u697c\uff0c\u6309\u63ed\u662f\u8d2f\u7a7f\u5168\u7a0b\u7684\u4e00\u6761\u7ebf\u3002
| \u9636\u6bb5 | \u8981\u505a\u7684\u4e8b | \u5efa\u8bae\u65f6\u95f4 |
|---|---|---|
| \u7b2c 1 \u6b65 | \u5148\u505a\u6309\u63ed\u9884\u6279\uff1a\u51c6\u5907\u6536\u5165\u8bc1\u660e\uff08\u7cae\u5355\u3001\u7a0e\u5355\u3001\u94f6\u884c\u6708\u7ed3\u5355\u3001\u96c7\u4f63\u5408\u7ea6\uff09 | \u770b\u697c\u4e4b\u524d |
| \u7b2c 2 \u6b65 | \u7528\u91d1\u7ba1\u5c40\u300c\u6309\u63ed\u4f9b\u6b3e\u8ba1\u7b97\u673a\u300d\u81ea\u6d4b DSR\uff0c\u786e\u8ba4\u53ef\u627f\u53d7\u7684\u4f9b\u6b3e\u4e0a\u9650 | \u770b\u697c\u524d |
| \u7b2c 3 \u6b65 | \u7b7e\u4e34\u65f6\u4e70\u5356\u5408\u7ea6\u3001\u4ed8\u7ec6\u8ba2 | \u2014 |
| \u7b2c 4 \u6b65 | \u6b63\u5f0f\u5411\u94f6\u884c\u9012\u4ea4\u6309\u63ed\u7533\u8bf7\uff0c\u540c\u65f6\u7533\u8bf7\u6309\u4fdd\uff08\u5982\u9700\u9ad8\u6210\u6570\uff09 | \u7b7e\u7ea6\u540e\u5c3d\u5feb |
| \u7b2c 5 \u6b65 | \u94f6\u884c\u4f30\u4ef7\u3001\u5ba1\u6279\u3001\u51fa\u6b63\u5f0f\u6279\u6838\u4fe1 | \u6570\u5468 |
| \u7b2c 6 \u6b65 | \u7b7e\u6b63\u5f0f\u4e70\u5356\u5408\u7ea6\u3001\u4ed8\u5927\u8ba2\uff1b\u5f8b\u5e08\u529e\u7406\u4e1a\u6743\u67e5\u518c\u4e0e\u6309\u63ed\u5951 | \u2014 |
| \u7b2c 7 \u6b65 | \u6210\u4ea4\u65e5\uff1a\u94f6\u884c\u653e\u6b3e\u3001\u5b8c\u6210\u4ea4\u6613\u3001\u6536\u697c | \u6309\u5408\u7ea6\u8ba2\u660e\u7684\u6210\u4ea4\u671f |
\ud83d\udccc \u5173\u4e8e\u4ed8\u6b3e\u65b9\u5f0f\uff1a\u4e3a\u914d\u5408\u6570\u7801\u652f\u4ed8\u5e74\u4ee3\u5e76\u52a0\u5f3a\u7269\u4e1a\u4ea4\u6613\u4e2d\u7684\u5ba2\u6237\u4fdd\u969c\uff0c\u94f6\u884c\u4e1a\u754c\u5df2\u63a8\u51fa\u300c\u7f6e\u6613\u4ed8\u300d\uff0c\u900f\u8fc7\u94f6\u884c\u95f4\u7684\u7535\u5b50\u8f6c\u8d26\uff0c\u5728\u73b0\u6709\u7269\u4e1a\u4ea4\u6613\u652f\u4ed8\u5b89\u6392\u4ee5\u5916\uff0c\u4e3a\u5ba2\u6237\u63d0\u4f9b\u591a\u4e00\u79cd\u652f\u4ed8\u5b89\u6392\u9009\u9879\uff0c\u83b7\u91d1\u7ba1\u5c40\u53ca\u9999\u6e2f\u94f6\u884c\u516c\u4f1a\u5168\u529b\u652f\u6301\u3002\u53ef\u5411\u5f8b\u5e08\u6216\u94f6\u884c\u67e5\u8be2\u662f\u5426\u9002\u7528\u3002
\ud83d\udcc5 \u653f\u7b56\u53d8\u52a8\u63d0\u9192\uff1a\u91d1\u7ba1\u5c40\u4f1a\u7ee7\u7eed\u5bc6\u5207\u7559\u610f\u5e02\u573a\u53d1\u5c55\uff0c\u5e76\u56e0\u5e94\u7269\u4e1a\u5e02\u573a\u6700\u65b0\u60c5\u51b5\u63a8\u51fa\u5408\u9002\u63aa\u65bd\u3002\u6309\u63ed\u6210\u6570\u4e0e DSR \u4e0a\u9650\u4ee5\u91d1\u7ba1\u5c40\u53ca\u94f6\u884c\u6700\u65b0\u516c\u5e03\u4e3a\u51c6\uff1b\u6309\u4fdd\u8ba1\u5212\u7684\u6761\u6b3e\u4ee5\u9999\u6e2f\u6309\u8bc1\u4fdd\u9669\u516c\u53f8\u516c\u5e03\u4e3a\u51c6\u3002\u8d44\u6599\u622a\u81f3 2026-09\u3002
\u26a0\ufe0f \u4e03\u3001\u65b0\u624b\u9ad8\u9891\u8e29\u5751 TOP3
- \u274c \u5751\u4e00\uff1a\u53ea\u770b”\u80fd\u4e0d\u80fd\u501f\u4e03\u6210”\uff0c\u6ca1\u7b97 DSR
\u2705 \u6b63\u786e\u505a\u6cd5\uff1a\u4e03\u6210\u53ea\u662f\u4e0a\u9650\uff0c\u771f\u6b63\u5361\u4f60\u7684\u662f DSR \u2264 50%\u3002\u5148\u7b97\u51fa\u6bcf\u6708\u53ef\u627f\u53d7\u4f9b\u6b3e\uff08\uff1d\u6708\u6536\u5165 \u00d7 50% \u2212 \u5176\u4ed6\u503a\u52a1\u4f9b\u6b3e\uff09\uff0c\u518d\u53cd\u63a8\u53ef\u501f\u91d1\u989d\uff0c\u6700\u540e\u624d\u770b\u9996\u671f\u591f\u4e0d\u591f\u3002 - \u274c \u5751\u4e8c\uff1a\u5148\u4ed8\u8ba2\u91d1\uff0c\u518d\u627e\u94f6\u884c
\u2705 \u6b63\u786e\u505a\u6cd5\uff1a\u91d1\u7ba1\u5c40\u660e\u786e\u63d0\u9192\uff0c\u94f6\u884c\u6700\u7ec8\u6279\u6838\u91d1\u989d\u672a\u5fc5\u7b49\u4e8e\u7533\u8bf7\u91d1\u989d\uff0c\u5e94\u5728\u4ed8\u8ba2\u91d1\u524d\u4fdd\u5b88\u4f30\u7b97\u53ef\u83b7\u8d37\u6b3e\u989d\u3002\u6b63\u786e\u987a\u5e8f\u662f\u5148\u505a\u9884\u6279\uff0c\u518d\u843d\u8ba2\u3002 - \u274c \u5751\u4e09\uff1a\u53ea\u7b97\u9996\u671f\uff0c\u4e0d\u7b97\u6742\u8d39
\u2705 \u6b63\u786e\u505a\u6cd5\uff1a\u5f8b\u5e08\u8d39\u3001\u6309\u63ed\u884c\u653f\u8d39\u3001\u4fdd\u9669\u8d39\u3001\u4f30\u4ef7\u62a5\u544a\u8d39\u3001\u5370\u82b1\u7a0e\u3001\u4ee3\u7406\u4f63\u91d1\u3001\u88c5\u4fee\uff0c\u52a0\u8d77\u6765\u5f80\u5f80\u662f\u4e00\u7b14\u4e0d\u5c0f\u7684\u6570\u76ee\u3002\u5148\u628a\u8fd9\u4e9b\u5217\u51fa\u6765\uff0c\u518d\u51b3\u5b9a\u4e70\u4ec0\u4e48\u4ef7\u4f4d\u7684\u697c\u3002
\u2753 \u5e38\u89c1\u95ee\u9898 FAQ
\u2753 2026 \u5e74\u9999\u6e2f\u6309\u63ed\u6700\u591a\u53ef\u4ee5\u501f\u51e0\u6210\uff1f
\ud83d\udca1 \u6309\u91d1\u7ba1\u5c40 2024 \u5e74 10 \u6708 16 \u65e5\u8d77\u751f\u6548\u7684\u4fee\u8ba2\u63aa\u65bd\uff0c\u6240\u6709\u4f4f\u5b85\u7269\u4e1a\u548c\u975e\u4f4f\u5b85\u7269\u4e1a\u7684\u6700\u9ad8\u6309\u63ed\u6210\u6570\u5212\u4e00\u4e3a\u4e03\u6210\uff0c\u4e0d\u8bba\u7269\u4e1a\u4ef7\u503c\u3001\u662f\u5426\u81ea\u7528\u6216\u662f\u5426\u516c\u53f8\u6301\u6709\uff1b\u4ee5\u300c\u8d44\u4ea7\u6c34\u5e73\u300d\u4e3a\u5ba1\u6279\u57fa\u7840\u7684\u6309\u63ed\u6210\u6570\u4e0a\u9650\u4e5f\u7531\u516d\u6210\u63d0\u5347\u81f3\u4e03\u6210\u3002
\u2753 \u300c\u4f9b\u6b3e\u4e0e\u5165\u606f\u6bd4\u7387\u300d\u4e0a\u9650\u662f\u591a\u5c11\uff1f
\ud83d\udca1 \u5212\u4e00\u4e3a\u4e94\u6210\u3002\u81ea\u7528\u4e0e\u975e\u81ea\u7528\u7269\u4e1a\u9002\u7528\u540c\u4e00\u4e0a\u9650\uff1b\u540c\u65f6\u91d1\u7ba1\u5c40\u53d6\u6d88\u4e86”\u7533\u8bf7\u4eba\u5982\u5c31\u5176\u4ed6\u6309\u63ed\u7269\u4e1a\u6709\u501f\u8d37\u6216\u62c5\u4fdd\uff0c\u987b\u8c03\u4f4e 10 \u4e2a\u767e\u5206\u70b9”\u7684\u8981\u6c42\u3002
\u2753 \u8fd8\u9700\u8981\u505a\u52a0\u606f\u538b\u529b\u6d4b\u8bd5\u5417\uff1f
\ud83d\udca1 \u91d1\u7ba1\u5c40\u81ea 2024 \u5e74 2 \u6708 28 \u65e5\u8d77\u6682\u505c\u4e86\u5047\u8bbe\u6309\u63ed\u5229\u7387\u4e0a\u5347 200 \u4e2a\u57fa\u70b9\u7684\u538b\u529b\u6d4b\u8bd5\u8981\u6c42\u3002\u4e0d\u8fc7\u91d1\u7ba1\u5c40\u7f51\u9875\u4ecd\u63d0\u4f9b\u300c\u6309\u63ed\u4f9b\u6b3e\u8ba1\u7b97\u673a\u300d\uff0c\u4f60\u53ef\u4ee5\u81ea\u884c\u8f93\u5165\u5229\u7387\u5347\u5e45\u8bd5\u7b97\u4f9b\u6b3e\u53d8\u5316\uff0c\u505a\u597d\u98ce\u9669\u8bc4\u4f30\u3002
\u2753 H \u6309\u548c P \u6309\u54ea\u4e2a\u597d\uff1f
\ud83d\udca1 H \u6309\u7684\u5229\u7387\u662f HIBOR \u52a0\u67d0\u4e2a\u767e\u5206\u70b9\uff0c\u6216\u8ba1\u5212\u4e2d\u7684\u9501\u606f\u4e0a\u9650\uff0c\u4ee5\u8f83\u4f4e\u8005\u4e3a\u51c6\uff1bP \u6309\u662f\u94f6\u884c\u6700\u4f18\u60e0\u5229\u7387\u51cf\u67d0\u4e2a\u767e\u5206\u70b9\u3002HIBOR \u53d8\u52a8\u8f83\u591a\u4f46\u591a\u8bbe\u4e0a\u9650\uff0cP \u53d8\u52a8\u8f83\u5c11\u4f46\u5404\u884c P \u503c\u4e0d\u540c\u30022026 \u5e74 6 \u6708 H \u6309\u5360\u65b0\u6279\u6309\u63ed 70%\u30017 \u6708\u4e3a 61%\uff0c\u4ecd\u662f\u4e3b\u6d41\u3002\u9009\u62e9\u65f6\u5e94\u6bd4\u8f83\u5b9e\u8d28\u6309\u63ed\u5229\u7387\u3002
\u2753 \u9996\u671f\u4e0d\u591f\u4e03\u6210\u600e\u4e48\u529e\uff1f
\ud83d\udca1 \u53ef\u8003\u8651\u6309\u63ed\u4fdd\u9669\u8ba1\u5212\uff08MIP\uff09\u3002\u8be5\u8ba1\u5212\u7531\u9999\u6e2f\u6309\u63ed\u8bc1\u5238\u6709\u9650\u516c\u53f8\u63a8\u51fa\uff0c\u5176\u5168\u8d44\u9644\u5c5e\u516c\u53f8\u9999\u6e2f\u6309\u8bc1\u4fdd\u9669\u6709\u9650\u516c\u53f8\u4e3a\u94f6\u884c\u63d0\u4f9b\u6309\u63ed\u4fdd\u9669\uff0c\u4f7f\u94f6\u884c\u53ef\u63d0\u4f9b\u9ad8\u6210\u6570\u6309\u63ed\u8d37\u6b3e\uff0c\u4ece\u800c\u964d\u4f4e\u7f6e\u4e1a\u4eba\u58eb\u7684\u9996\u671f\u8d1f\u62c5\u3002\u5177\u4f53\u6761\u4ef6\u3001\u697c\u4ef7\u4e0a\u9650\u4e0e\u4fdd\u8d39\u4ee5\u9999\u6e2f\u6309\u8bc1\u4fdd\u9669\u516c\u53f8\u6700\u65b0\u516c\u5e03\u4e3a\u51c6\u3002
\ud83d\udcda \u76f8\u5173\u9605\u8bfb\u63a8\u8350
- 2026\u9999\u6e2f\u4e70\u623f\u5168\u653b\u7565\uff5c\u975e\u6c38\u4e45\u5c45\u6c11\u5370\u82b1\u7a0e+\u6309\u63ed\u6210\u6570+\u533a\u57df\u9009\u62e9+\u6d41\u7a0b\u8be6\u89e3
- 2026\u9999\u6e2f\u79df\u623f\u5168\u653b\u7565\uff5c\u6e2f\u5c9b/\u4e5d\u9f99/\u65b0\u754c\u79df\u91d1\u5bf9\u6bd4+\u79df\u7ea6\u6ce8\u610f\u4e8b\u9879+\u907f\u5751\u6307\u5357
- 2026\u9999\u6e2f\u516c\u5c4b\u7533\u8bf7\u5168\u6d41\u7a0b\u653b\u7565\uff5c\u7533\u8bf7\u8d44\u683c+\u5165\u606f\u8d44\u4ea7\u9650\u989d+\u8f6e\u5019\u65f6\u95f4+\u7f16\u914d
- 2026\u9ad8\u624d\u901a\u7eed\u7b7e\u5927\u5730\u9707\uff1a\u901a\u8fc7\u7387\u4ec558%\uff0c\u7a7a\u58f3\u516c\u53f8\u62d2\u7b7e98%\uff01A/B/C\u4e09\u7c7b\u65b0\u89c4\u5219\u5168\u62c6\u89e3
\ud83d\udd17 \u5b9e\u7528\u8d44\u6e90\u63a8\u8350
- \u9999\u6e2f\u770b\u75c5\u901a\uff5c\u516c\u8425\u533b\u7597\u6307\u5357\u3001\u6025\u75c7\u5ba4\u5b9a\u4f4d\u3001\u6536\u8d39\u5bf9\u7167\u3001\u51cf\u514d\u81ea\u6d4b\u3002
- \u65b0\u6765\u6e2f\u843d\u5730\u6307\u53572026\uff5c\u529e\u8bc1\u65f6\u95f4\u7ebf+\u4efb\u52a1\u6e05\u5355\u3002
- GovHK \u9999\u6e2f\u653f\u5e9c\u4e00\u7ad9\u901a\uff5c\u653f\u5e9c\u670d\u52a1\u8d44\u8baf\u5e73\u53f0\u3002
\ud83d\uddfa\ufe0f \u9ad8\u624d\u9999\u6e2f\u901a \u00b7 \u66f4\u591a\u5b9e\u7528\u8d44\u6e90
- 1823 \u9999\u6e2f\u5e02\u6c11\u670d\u52a1\u70ed\u7ebf\uff5c\u653f\u5e9c\u4e00\u7ad9\u5f0f\u54a8\u8be2\u5e73\u53f0\u3002
- \u9884\u7ea6\u9999\u6e2f\u667a\u80fd\u8eab\u4efd\u8bc1\uff5c\u5165\u5883\u4e8b\u52a1\u5904\u5b98\u65b9\u9884\u7ea6\u7cfb\u7edf\u3002
- \u793e\u4f1a\u798f\u5229\u7f72 SWD\uff5c\u5b66\u751f\u6d25\u8d34\u3001\u7efc\u63f4\u3001\u65b0\u6765\u6e2f\u652f\u63f4\u670d\u52a1\u3002
- \u9999\u6e2f\u533b\u9662\u7ba1\u7406\u5c40 HA\uff5c\u516c\u7acb\u533b\u9662\u3001\u770b\u75c5\u9884\u7ea6\u3002
\ud83d\udcce \u4fe1\u606f\u6765\u6e90
- \u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\uff1a\u300c\u667a\u9192\u9526\u56ca\u300d\u2014\u2014\u6309\u63ed\uff08\u6700\u65b0\u5ba1\u614e\u76d1\u7ba1\u63aa\u65bd\u3001\u6309\u63ed\u4fdd\u9669\u8ba1\u5212\u3001\u7f6e\u6613\u4ed8\u3001\u6309\u63ed\u4f9b\u6b3e\u8ba1\u7b97\u673a\uff09
- \u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\uff1a2024 \u5e74 10 \u6708 16 \u65e5\u300a\u7269\u4e1a\u6309\u63ed\u8d37\u6b3e\u9006\u5468\u671f\u5b8f\u89c2\u5ba1\u614e\u76d1\u7ba1\u63aa\u65bd\u300b\u65b0\u95fb\u7a3f\u53ca\u81f4\u8ba4\u53ef\u673a\u6784\u901a\u544a
- \u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\uff1a2024 \u5e74 2 \u6708 28 \u65e5\u81f4\u8ba4\u53ef\u673a\u6784\u901a\u544a\uff08\u6682\u505c\u52a0\u606f\u538b\u529b\u6d4b\u8bd5\uff09
- \u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\uff1a2026 \u5e74 5 \u6708\u30016 \u6708\u30017 \u6708\u300a\u4f4f\u5b85\u6309\u63ed\u7edf\u8ba1\u8c03\u67e5\u7ed3\u679c\u300b
- \u9999\u6e2f\u6309\u63ed\u8bc1\u5238\u6709\u9650\u516c\u53f8\uff1a\u6309\u63ed\u4fdd\u9669\u8ba1\u5212
\u26a0\ufe0f \u514d\u8d23\u58f0\u660e\uff1a\u672c\u6587\u4e3a\u6c11\u95f4\u6574\u7406\uff0c\u6240\u6709\u89c4\u5219\u3001\u6210\u6570\u4e0a\u9650\u4e0e\u7edf\u8ba1\u6570\u636e\u4ee5\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\u53ca\u94f6\u884c\u6700\u65b0\u516c\u5e03\u4e3a\u51c6\uff1b\u6848\u4f8b\u4e0e\u65f6\u95f4\u7ebf\u4e3a\u5b9e\u64cd\u53c2\u8003\uff0c\u975e\u5b98\u65b9\u627f\u8bfa\uff0c\u4ea6\u4e0d\u6784\u6210\u6295\u8d44\u6216\u501f\u8d37\u5efa\u8bae\u3002
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