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href="https://www1.mreferral.com/tc/%e6%9c%80%e6%96%b0%e6%8c%89%e6%8f%ad%e8%b3%87%e8%a8%8a/?iframe=1"><div class="langtc text-block-2">繁</div></a><a class="lang_en en w-clearfix w-inline-block" href="https://www1.mreferral.com/en/new-mortgage-info/?iframe=1"><div class="langen text-block-2">EN</div></a></div></div></div><div class="header_row2"><div class="header_txt w-dropdown " data-delay="0" data-hover="1" data-ix="pop-dropdownmenu"><div class="headerwebdropdown w-dropdown-toggle pop-dropdownmenu-btn"><div class="text-block-15">按揭比較</div></div></div><div class="header_txt w-dropdown " data-delay="0" data-hover="1" data-ix="pop-dropdownmenu-2"><div class="headerwebdropdown w-dropdown-toggle pop-dropdownmenu-2-btn"><div class="text-block-15">银行理财户口</div></div></div><div class="header_txt w-dropdown" data-delay="0" data-hover="1"><div class="headerwebdropdown w-dropdown-toggle pop-dropdownmenu-btn"><div class="text-block-15"><a href='https://www1.mreferral.com/zh/%e4%bf%a1%e7%94%a8%e5%8d%a1%e6%af%94%e8%be%83/' style="color:inherit;text-decoration: none">信用卡</a></div></div></div><div class="header_txt w-dropdown " data-delay="0" data-hover="1" data-ix="pop-dropdownmenu-4"><div class="headerwebdropdown w-dropdown-toggle pop-dropdownmenu-4-btn"><div class="text-block-15">申请私人贷款</div></div></div><div class="header_txt w-dropdown " data-delay="0" data-hover="1" data-ix="pop-dropdownmenu-5"><div class="headerwebdropdown w-dropdown-toggle pop-dropdownmenu-5-btn"><div class="text-block-15">按揭工具</div></div></div><div class="header_txt w-dropdown " data-delay="0" data-hover="1" data-ix="pop-dropdownmenu-6"><div class="headerwebdropdown w-dropdown-toggle pop-dropdownmenu-6-btn"><div class="text-block-15">申请及查询</div></div></div><div class="header_txt w-dropdown " data-delay="0" data-hover="1" data-ix="pop-dropdownmenu-7"><div class="headerwebdropdown w-dropdown-toggle pop-dropdownmenu-7-btn"><div class="text-block-15">经络友赏</div></div></div><div class="header_txt w-dropdown " data-delay="0" data-hover="1" data-ix="pop-dropdownmenu-8"><div class="headerwebdropdown w-dropdown-toggle pop-dropdownmenu-8-btn"><div class="text-block-15">教学Blog</div></div></div><div class="header_txt w-dropdown " data-delay="0" data-hover="1" data-ix="pop-dropdownmenu-9"><div class="headerwebdropdown w-dropdown-toggle pop-dropdownmenu-9-btn"><div class="text-block-15">关于我们</div></div></div><div class="header_txt w-dropdown" data-delay="0" data-hover="1"><div class="headerwebdropdown w-dropdown-toggle pop-dropdownmenu-btn"><div class="text-block-15"><a href='https://www.facebook.com/mReferral/reviews' target='blank' style="color:inherit;text-decoration: none">客户见证</a></div></div></div></div><div class="black-layer"></div><div class="menu-button w-nav-button"><div class="icon w-icon-nav-menu"></div></div><div class="header-compare-btn" data-id="5172"> <a class="index-banner-header w-inline-block " href="https://www1.mreferral.com/zh/%e7%a7%81%e6%a5%bc%e6%8c%89%e6%8f%ad/" data-action="post_id" data-id="5172" data-ga="MortgagePlan_Click,Click,Header_MortgagePlan"><div class="c-center">比较按揭</div> </a></div></div></div></div><div class="fixheaderhight"></div><div class="pop_searchbox w-hidden-medium w-hidden-small w-hidden-tiny" data-ix="selfsearchboxdisappear"><div class="serchboxinner"><div class="w-row"><div class="searchcol w-col w-col-11 w-col-small-11 w-col-tiny-11"><div class="w-form"> 搜寻</div></div><div class="w-col w-col-1 w-col-small-1 w-col-tiny-1"><div class="search_searchbox"></div> <a class="btnseachcross w-inline-block" data-ix="searchboxclose" href="#"></a></div></div></div></div><div class="pop-dropdownmenu w-hidden-medium w-hidden-small w-hidden-tiny" data-ix="pop-dropdownmenu"><div class="container-1280"><div class="dropinner"><div class=" set-dropmenuicon submenu_0_item_0 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e6%96%b0%e7%9b%98%e6%8c%89%e6%8f%ad/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/drop_icon1-1.png');"></a><div class="set-dropmenutxt">新盘按揭</div></div><div class=" set-dropmenuicon submenu_0_item_1 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e7%a7%81%e6%a5%bc%e6%8c%89%e6%8f%ad/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/compare-02.png');"></a><div class="set-dropmenutxt">私楼按揭</div></div><div class=" set-dropmenuicon submenu_0_item_2 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e5%b1%85%e5%b1%8b%e6%8c%89%e6%8f%ad/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/drop_icon3.png');"></a><div class="set-dropmenutxt">居屋按揭</div></div><div class=" set-dropmenuicon submenu_0_item_3 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e6%9d%91%e5%b1%8b%e6%8c%89%e6%8f%ad/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/drop_icon4.png');"></a><div class="set-dropmenutxt">村屋按揭</div></div><div class=" set-dropmenuicon submenu_0_item_4 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e5%b7%a5%e5%95%86%e8%88%96%e6%8c%89%e6%8f%ad/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/drop_icon8.png');"></a><div class="set-dropmenutxt">工商铺按揭</div></div><div class=" set-dropmenuicon submenu_0_item_5 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e8%bd%a6%e4%bd%8d%e6%8c%89%e6%8f%ad/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/drop_icon7.png');"></a><div class="set-dropmenutxt">车位按揭</div></div><div class=" set-dropmenuicon submenu_0_item_6 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e5%86%85%e6%88%bf%e6%8c%89%e6%8f%ad/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/drop_icon1.png');"></a><div class="set-dropmenutxt">内房按揭</div></div><div class=" set-dropmenuicon submenu_0_item_7 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e5%ae%9e%e6%97%b6%e9%93%b6%e8%a1%8c%e8%b5%84%e8%ae%af/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2019/04/API-ICON-150x150.png');"></a><div class="set-dropmenutxt">实时银行资讯</div></div></div></div></div><div class="pop-dropdownmenu-2 w-hidden-medium w-hidden-small w-hidden-tiny" data-ix="pop-dropdownmenu-2"><div class="container-1280"><div class="dropinner"><div class="tools set-dropmenuicon submenu_1_item_0 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e6%af%94%e8%be%83%e9%93%b6%e8%a1%8c%e7%90%86%e8%b4%a2%e6%88%b7%e5%8f%a3/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/drop_icon1.png');"></a><div class="set-dropmenutxt">比较银行理财户口</div></div></div></div></div><div class="pop-dropdownmenu-3 w-hidden-medium w-hidden-small w-hidden-tiny" data-ix="pop-dropdownmenu-3"><div class="container-1280"><div class="dropinner"></div></div></div><div class="pop-dropdownmenu-4 w-hidden-medium w-hidden-small w-hidden-tiny" data-ix="pop-dropdownmenu-4"><div class="container-1280"><div class="dropinner"><div class="apply set-dropmenuicon submenu_3_item_0 zh"> <a class="btn-dropicon w-inline-block" href="http://www.mreferral.com/%e8%b2%b8%e6%ac%be%e8%a8%88%e5%8a%83/?type=all" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/drop_icon1.png');"></a><div class="set-dropmenutxt">所有贷款</div></div><div class="apply set-dropmenuicon submenu_3_item_1 zh"> <a class="btn-dropicon w-inline-block" href="https://www.mreferral.com/%e8%b2%b8%e6%ac%be%e8%a8%88%e5%8a%83/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/drop_icon1.png');"></a><div class="set-dropmenutxt">私人贷款</div></div><div class="apply set-dropmenuicon submenu_3_item_2 zh"> <a class="btn-dropicon w-inline-block" href="https://www.mreferral.com/%e8%b2%b8%e6%ac%be%e8%a8%88%e5%8a%83/?type=Lending-Companies-Loans&price=300000&months=12&income=50000" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/drop_icon1.png');"></a><div class="set-dropmenutxt">财务公司贷款</div></div><div class="apply set-dropmenuicon submenu_3_item_3 zh"> <a class="btn-dropicon w-inline-block" href="https://www.mreferral.com/%e8%b2%b8%e6%ac%be%e8%a8%88%e5%8a%83/?type=Tax-loan&price=1000000&months=12&income=100000" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/drop_icon1.png');"></a><div class="set-dropmenutxt">税务贷款</div></div><div class="apply set-dropmenuicon submenu_3_item_4 zh"> <a class="btn-dropicon w-inline-block" href="https://www.mreferral.com/%e7%b5%90%e9%a4%98%e8%bd%89%e6%88%b6/?&price=300000&months=12&income=96000&type=Balance-transfer" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/drop_icon1.png');"></a><div class="set-dropmenutxt">结余转户</div></div><div class="apply set-dropmenuicon submenu_3_item_5 zh"> <a class="btn-dropicon w-inline-block" href="http://www.mreferral.com/%e8%b2%b8%e6%ac%be%e8%a8%88%e5%8a%83/?type=Personal" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/drop_icon1.png');"></a><div class="set-dropmenutxt">循环贷款</div></div></div></div></div><div class="pop-dropdownmenu-5 w-hidden-medium w-hidden-small w-hidden-tiny" data-ix="pop-dropdownmenu-5"><div class="container-1280"><div class="dropinner"><div class="apply set-dropmenuicon submenu_4_item_0 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e8%ae%a1%e7%ae%97%e6%af%8f%e6%9c%88%e4%be%9b%e6%ac%be/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/tools_01.png');"></a><div class="set-dropmenutxt">按揭计算器</div></div><div class="apply set-dropmenuicon submenu_4_item_1 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e5%8a%a0%e6%8c%89%e6%88%96%e8%bd%ac%e6%8c%89%e8%ae%a1%e7%ae%97%e6%9c%ba/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/drop_icon1.png');"></a><div class="set-dropmenutxt">加按/转按</div></div><div class="apply set-dropmenuicon submenu_4_item_2 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e8%ae%a1%e7%ae%97%e5%8f%af%e8%b4%9f%e6%8b%85%e6%a5%bc%e4%bb%b7/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/drop_icon1.png');"></a><div class="set-dropmenutxt">计算可负担楼价</div></div><div class="apply set-dropmenuicon submenu_4_item_3 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e8%ae%a1%e7%ae%97%e4%be%9b%e6%ac%be%e5%b9%b4%e6%9c%9f/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/05/tools_03.png');"></a><div class="set-dropmenutxt">计算供款年期</div></div><div class="apply set-dropmenuicon submenu_4_item_4 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e6%89%8b%e6%9c%ba%e6%b5%81%e5%8a%a8%e7%a8%8b%e5%bc%8f/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/tools_06.png');"></a><div class="set-dropmenutxt">手机流动程式</div></div></div></div></div><div class="pop-dropdownmenu-6 w-hidden-medium w-hidden-small w-hidden-tiny" data-ix="pop-dropdownmenu-6"><div class="container-1280"><div class="dropinner"><div class="info set-dropmenuicon submenu_5_item_0 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e7%ab%8b%e5%8d%b3%e7%94%b3%e8%af%b7/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/apply-01.png');"></a><div class="set-dropmenutxt">按揭申请</div></div><div class="info set-dropmenuicon submenu_5_item_1 zh"> <a class="btn-dropicon w-inline-block" href="https://www.mreferral.com/%e8%b2%b8%e6%ac%be%e8%a8%88%e5%8a%83/?price=100000&months=12&income=50000&type=all" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/drop_icon1.png');"></a><div class="set-dropmenutxt">申请私人贷款</div></div><div class="info set-dropmenuicon submenu_5_item_2 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e7%89%a9%e4%b8%9a%e4%bc%b0%e4%bb%b7/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/apply-04.png');"></a><div class="set-dropmenutxt">物业估值</div></div><div class="info set-dropmenuicon submenu_5_item_3 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e6%9f%a5%e8%af%a2%e6%9c%80%e4%bc%98%e6%83%a0%e8%ae%a1%e5%88%92/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/apply-03.png');"></a><div class="set-dropmenutxt">查询最优惠计划</div></div><div class="info set-dropmenuicon submenu_5_item_4 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e4%b8%8b%e8%bd%bd%e8%a1%a8%e6%a0%bc/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/apply-05.png');"></a><div class="set-dropmenutxt">下載表格</div></div></div></div></div><div class="pop-dropdownmenu-7 w-hidden-medium w-hidden-small w-hidden-tiny" data-ix="pop-dropdownmenu-7"><div class="container-1280"><div class="dropinner"><div class="about set-dropmenuicon submenu_6_item_0 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e8%b4%b7%e6%ac%be%e5%a5%96%e8%b5%8f/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/Coupon-208x208.png');"></a><div class="set-dropmenutxt">贷款奖赏</div></div><div class="about set-dropmenuicon submenu_6_item_1 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e5%ae%a2%e6%88%b7%e6%8e%a8%e8%8d%90%e5%a5%96%e8%b5%8f/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/friend-02.png');"></a><div class="set-dropmenutxt">客户推荐奖赏</div></div><div class="about set-dropmenuicon submenu_6_item_2 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e7%bb%8f%e7%bb%9c%e5%b0%8f%e7%a4%bc%e7%89%a9/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/friend-03.png');"></a><div class="set-dropmenutxt">经络礼品</div></div><div class="about set-dropmenuicon submenu_6_item_3 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e5%ae%a2%e6%88%b7%e5%88%86%e4%ba%ab/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/friend-05.png');"></a><div class="set-dropmenutxt">客戶分享</div></div></div></div></div><div class="pop-dropdownmenu-8 w-hidden-medium w-hidden-small w-hidden-tiny" data-ix="pop-dropdownmenu-8"><div class="container-1280"><div class="dropinner"><div class=" set-dropmenuicon submenu_7_item_0 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e6%9c%80%e6%96%b0%e6%b6%88%e6%81%af/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/topic01.png');"></a><div class="set-dropmenutxt">按揭新闻</div></div><div class=" set-dropmenuicon submenu_7_item_1 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e6%8c%89%e6%8f%ad%e5%b8%82%e4%bd%94%e7%8e%87/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/topic03.png');"></a><div class="set-dropmenutxt">按揭市占率</div></div><div class=" set-dropmenuicon submenu_7_item_2 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e4%bd%8f%e5%ae%85%e6%8c%89%e6%8f%ad%e7%bb%9f%e8%ae%a1/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/topic04.png');"></a><div class="set-dropmenutxt">住宅按揭统计</div></div><div class=" set-dropmenuicon submenu_7_item_3 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e4%bc%a0%e5%aa%92%e4%b8%93%e8%ae%bf-2/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/topic05.png');"></a><div class="set-dropmenutxt">传媒专访</div></div><div class=" set-dropmenuicon submenu_7_item_4 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e4%b8%aa%e6%a1%88%e5%88%86%e6%9e%90/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/10/7.png');"></a><div class="set-dropmenutxt">个案分析</div></div><div class=" set-dropmenuicon submenu_7_item_5 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e4%b8%aa%e6%a1%88%e5%88%86%e6%9e%90-2/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/07/drop_icon1.png');"></a><div class="set-dropmenutxt">按揭通识</div></div><div class=" set-dropmenuicon submenu_7_item_6 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e6%9c%80%e6%96%b0%e6%8c%89%e6%8f%ad%e8%b5%84%e8%ae%af/" style="background-image: url('https://www1.mreferral.com/wp-content/uploads/2017/10/6.png');"></a><div class="set-dropmenutxt">最新按揭资讯</div></div></div></div></div><div class="pop-dropdownmenu-9 w-hidden-medium w-hidden-small w-hidden-tiny" data-ix="pop-dropdownmenu-9"><div class="container-1280"><div class="dropinner"><div class=" set-dropmenuicon submenu_8_item_0 zh"> <a class="btn-dropicon w-inline-block" href="https://www1.mreferral.com/zh/%e6%9c%89%e5%85%b3%e7%bb%8f%e7%bb%9c/" style="background-image: 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24pt;">最新按揭措施</span></strong></span><ul style="list-style-type: square;"><li style="text-align: left;"><span style="font-size: 14pt;"><a href="#measure1"><strong>住宅物业</strong></a></span></li></ul><ul style="list-style-type: square;"><li style="text-align: left;"><span style="font-size: 14pt;"><a href="#measure2"><strong>工商物业</strong></a></span></li></ul><ul style="list-style-type: square;"><li style="text-align: left;"><span style="font-size: 14pt;"><a href="#measure3"><strong>车位</strong></a></span></li></ul><span><span></span></span><span style="font-size: 18pt; color: #993366;"><span style="font-size: 18pt; color: #993366;"></span></span><div id="measure1" style="text-align: center;"><strong><span style="font-size: 18pt; color: #993366;">住宅物业</span> </strong></div> <span style="font-size: 14pt;"><strong>按揭成数</strong> </span><span style="font-size: 14pt;"> <strong>申请人在申请按揭时<span style="font-size: 20pt;">没有</span>就其他按揭物业作出借贷或担保</strong></span><span><span> </span></span><table border="1" cellspacing="0" cellpadding="0" width="100%"> <strong>物业价值</strong><strong> / 物业种类</strong><strong>按揭成数上限</strong><strong>申请人的主要收入</strong><strong>来自香港</strong><strong>申请人的主要收入</strong><strong>幷非来自香港</strong>&lt;$1,000万60% (贷款额上限$500万)50% (贷款额上限$400万)&gt;=$1,000万50%40%非自住物业及以公司名义持有的物业50%40%</table><span><span> </span></span><span style="font-size: 14pt;"><strong>资产水平为基础之按揭申请成数</strong></span><span><span> </span></span><table border="1" cellspacing="0" cellpadding="0" width="100%"> <strong>物业</strong><strong>按揭成数上限</strong>不论物业价值40%</table><span><span> </span></span><span style="font-size: 14pt;"><strong>申请人在申请按揭时<span style="font-size: 20pt;">有</span>就其他按揭物业作出借贷或担保</strong></span><span><span> </span></span><table border="1" cellspacing="0" cellpadding="0" width="100%"> <strong>物业价值</strong><strong> / 物业种类</strong><strong>按揭成数上限</strong><strong>申请人的主要收入来自香港</strong><strong>申请人的主要收入幷非来自香港</strong>&lt;$1,000万50%40%(贷款额上限$400万)(贷款额上限$300万)&gt;=$1,000万40%30%非自住物业及以公司名义持有的物业40%30%</table><span><span> </span></span><span style="font-size: 14pt;"><strong>资产水平为基础之按揭申请成数</strong></span><span><span> </span></span><table border="1" cellspacing="0" cellpadding="0" width="100%"> <strong>物业</strong><strong>按揭成数上限</strong>不论物业价值30%</table><span><span> </span></span><span style="font-size: 14pt;"><strong><span>按揭保险计划 (适用于物业价格$600万或以下)</span></strong></span><span><span> </span></span><table border="1" cellspacing="0" cellpadding="0" width="100%"> <strong>住宅物业价值</strong><strong>按揭成数上限</strong>&lt;=$400万80% 或 90%*&gt;$400万至&lt;$450万80%至90%* (贷款额上限$360万)&gt;=$450万至&lt;=600万80% (贷款额上限$480万)</table><span><span> </span></span><span style="font-size: 12pt;">注: *只适用于(i)所有抵押人于申请时幷未持有任何香港住宅物业的借款人及/或担保人身份 ;(ii)所有申请人须为固定受薪人士;及(iii)最高供款比率为40% 注: 停止接受收入非来自香港人士申请按揭保险计划</span><span><span><span> </span></span></span><p><span style="font-size: 14pt;"><strong>按揭保险计划</strong><strong> (</strong><strong>适用于物业价格</strong><strong>$1,000</strong><strong>万或以下</strong><strong>)</strong></span><strong><span> </span></strong></p><table width="100%" border="1"><strong>住宅物业价值</strong><strong>按揭成数上限</strong><p>&gt;$400万至&lt;=$800万</p><p><span> </span>80% 或 90%*</p><p>&gt;$800万至&lt;$900万</p><p><span> </span>80% 至 90%*<span> </span>(贷款额上限$720万)</p><p>&gt;=$900万至&lt;=$1,000万</p><p><span> </span>80%<span> </span>(贷款额上限$800万)</p></table><p>注: *只适用于 (i) 所有抵押人于申请时并未持有任何香港住宅物业; (ii) 所有申请人须为固定受薪人士 ;及(iii)最高供款比率为 50% 注: 停止接受收入非来自香港人士申请按揭保险计划</p><span><span></span></span><span style="font-size: 14pt;"><strong>资产水平为基础之按揭申请成数</strong></span><span><span> </span></span><table border="1" cellspacing="0" cellpadding="0" width="100%"> <strong>物业</strong><strong>按揭成数上限</strong>不论物业价值30%</table><span><span> </span></span><span style="font-size: 14pt;"><strong>「供款入息比率」与「压力测试基准」</strong></span><span><span> </span></span><table border="1" cellspacing="0" cellpadding="0" width="100%"> 物业入息比率上限 (自用)入息比率上限 (非自用)申请人的主要收入来自香港申请人的主要收入幷非来自香港申请人的主要收入来自香港申请人的主要收入幷非来自香港申请人在申请按揭时没有就其他按揭物业作出借贷或担保供款入息比率50%40%40%30%压力测试基准 (假设利率上升3%)60%50%50%40%申请人在申请按揭时有就其他按揭物业作出借贷或担保供款入息比率40%30%40%30%压力测试基准 (假设利率上升3%)50%40%50%40%</table><span><span><span><span> <span style="font-size: 14pt;"><strong>「供款入息比率」与「压力测试基准」</strong></span></span></span></span></span><p><span style="font-size: 12pt;"><strong> (申请人申请额外按揭融资以致其整体按揭成数较金管局正常所容许的最高按揭成数超过20个百分点)</strong></span></p><table border="1" cellspacing="0" cellpadding="0" width="100%"> 物业入息比率上限 (自用)入息比率上限 (非自用)申请人的主要收入来自香港申请人的主要收入幷非来自香港申请人的主要收入来自香港申请人的主要收入幷非来自香港申请人在申请按揭时没有就其他按揭物业作出借贷或担保供款入息比率45%35%35%25%压力测试基准 (假设利率上升3%)55%45%45%35%申请人在申请按揭时有就其他按揭物业作出借贷或担保供款入息比率35%25%35%25%压力测试基准 (假设利率上升3%)45%35%45%35%</table><span><span><span><strong> </strong></span></span></span><span><span> </span></span><span style="font-size: 14pt;"><strong>新推出之从价印花税</strong><strong> (AVD) (适用于住宅物业)</strong> </span> <span style="font-size: 12pt;">住宅物业交易的从价印花税税率,税率划一为15%,除指定豁免外,新税率适用于所有个人或公司购买住宅物业的交易。当中主要的豁免是买家为代表自己行事的香港永久性居民,而且在购买有关住宅物业时,幷不是香港任何其他住宅物业的实益拥有人。在这情况下,有关交易可获豁免按新税率缴付从价印花税,而只须按较低的第2标准税率缴税。</span> <span><span> </span></span><table border="1" cellspacing="0" cellpadding="0" width="100%"> <strong>类别</strong><strong>税率</strong>住宅物业楼价之15%</table><span><span> </span></span><span style="font-size: 14pt;"><strong>印花税收费表</strong><strong> (AVD) (第二标准税率) (适用于住宅物业)</strong></span><span><span> </span></span><table border="1" cellspacing="0" cellpadding="0" width="100%"> <strong>楼价</strong><strong> (HK$)</strong><strong>印花税收费</strong><strong> (HK$)</strong><strong>超逾</strong><strong>不超逾</strong>&#8211;$2,000,000$100$2,000,000$2,351,760$100 + 超逾 $2,000,000 之款额的10%$2,351,760$3,000,0001.50%$3,000,000$3,290,320$45,000 + 超逾 $3,000,000 之款额的10%$3,290,320$4,000,0002.25%$4,000,000$4,428,570$90,000 + 超逾 $4,000,000 之款额的10%$4,428,570$6,000,0003.00%$6,000,000$6,720,000$180,000 + 超逾 $6,000,000 之款额的10%$6,720,000$20,000,0003.75%$20,000,000$21,739,120$750,000 + 超逾 $20,000,000 之款额的10%$21,739,120&#8211;4.25%</table><span><span> </span></span><span style="font-size: 12pt;">资料只供参考,幷以税务局公布的最新资料作准</span><span><span> </span></span><span style="font-size: 14pt;"><strong>额外印花税</strong><strong> (SSD)</strong> </span> <span style="font-size: 12pt;">由 2010 年 11 月 20 日起,任何以个人或公司(不论在何地注册)名义,在 2010 年 11 月 20 日或以后取得住宅物业,幷在 取得后 24 个月内(物业是在 2010 年 11 月 20 日或之后至 2012 年 10 月 27 日前取得)或 36 个月内(物业是在 2012 年 10 月 27 日或之后取得)将其转售,均须缴交「额外印花税」。「额外印花税」是根据物业交易的代价款额或物业市值 (以较高者为准),按卖方或转让方转售或转让前持有物业的不同持有期而定的税率计算。</span> <span><span> </span></span><table border="1" cellspacing="0" cellpadding="0" width="100%"> <strong>持有期</strong><strong>税率</strong>&lt;=6个月20%&gt;6个月至&lt;=12个月15%&gt;12个月至&lt;=36个月10%</table><span><span> </span></span><span style="font-size: 14pt;"><strong>买家印花税</strong> </span><strong><span style="font-size: 14pt;">(BSD)</span></strong><span style="font-size: 12pt;">由2012年10月27日起,除非获豁免,所有非香港永久性居民的人士(包括本地及海外公司),签立的住宅物业买卖协议及售卖转易契,均须缴付于「买家印花税」。「买家印花税」是按物业交易的代价款额或物业市值(以较高者为准),以15%的税率计算 。</span> <span><span> </span></span><table border="1" cellspacing="0" cellpadding="0" width="100%"> <strong>申请人士</strong><strong> / 公司</strong><strong>税率</strong>境外人士、本地及海外注册公司15%</table><span><span> </span></span> <span style="font-size: 12pt;"> </span><span style="font-size: 12pt;">以上资料只作参考之用,资料更新截至金管局最新按揭措施之修订日期: 2017年5月19日。</span><span style="font-size: 12pt;"> 一切资料以金管局、按证公司及税务局等机构之最新公布为准。</span><span><span> </span></span><p style="text-align: right;"><span style="font-size: 14pt;"><a href="#top_index">回到页顶</a></span></p> <span><span> </span></span><div align="center"></div><span><span></span></span></div><div id="measure2" style="text-align: center;"><span style="font-size: 18pt; color: #993366;"><strong> </strong></span></div><div id="measure2" style="text-align: center;"><span style="font-size: 18pt; color: #993366;"><strong> </strong></span></div><div id="measure2" style="text-align: center;"><span style="font-size: 18pt; color: #993366;"><strong> </strong></span></div><div id="measure2" style="text-align: center;"> <span style="font-size: 18pt; color: #993366;"><strong>工商物业</strong></span><span><span> </span></span><p style="text-align: left;"><span style="font-size: 14pt;"><strong>按揭成数</strong></span></p><p><span style="font-size: 14pt;"> </span></p><p style="text-align: left;"><span style="font-size: 14pt;"><strong>申请人在申请按揭时<span style="font-size: 20pt;">没有</span>就其他按揭物业作出借贷或担保</strong></span></p><p><span><span> </span></span></p><table border="1" cellspacing="0" cellpadding="0" width="100%"><strong>物业价值</strong><strong> / 物业种类</strong><strong>按揭成数上限</strong><p>申请人的主要收入来自香港</p><p>申请人的主要收入幷非来自香港</p><p>不论物业价值</p><p>50%</p><p>40%</p></table><p><span><span> </span></span></p><p style="text-align: left;"><span style="font-size: 14pt;"><strong>资产水平为基础之按揭申请成数</strong></span></p><p><span><span> </span></span></p><table border="1" cellspacing="0" cellpadding="0" width="100%"><strong>物业</strong><strong>按揭成数上限</strong><p>不论物业价值</p><p>30%</p></table><p><span><span> </span></span></p><p style="text-align: left;"><span style="font-size: 14pt;"><strong>申请人在申请按揭时<span style="font-size: 20pt;">有</span>就其他按揭物业作出借贷或担保</strong></span></p><p><span><span> </span></span></p><table border="1" cellspacing="0" cellpadding="0" width="100%"><strong>物业价值</strong><strong> / 物业种类</strong><strong>按揭成数上限</strong><p>申请人的主要收入来自香港</p><p>申请人的主要收入幷非来自香港</p><p>不论物业价值</p><p>40%</p><p>30%</p></table><p><span><span> </span></span></p><p style="text-align: left;"><span style="font-size: 14pt;"><strong>资产水平为基础之按揭申请成数</strong></span></p><p><span><span> </span></span></p><table border="1" cellspacing="0" cellpadding="0" width="100%"><strong>物业</strong><strong>按揭成数上限</strong><p>不论物业价值</p><p>30%</p></table><p><span><span> </span></span></p><p style="text-align: left;"><span style="font-size: 14pt;"><strong>「供款入息比率」与「压力测试基准」</strong></span></p><p><span><span> </span></span></p><table border="1" cellspacing="0" cellpadding="0" width="100%"><strong>物业</strong><strong>入息比率上限</strong><p><strong>申请人的主要收入</strong><strong><strong>来自香港</strong></strong></p><p><strong>申请人的主要收入</strong><strong><strong>幷非来自香港</strong></strong></p><p>申请人在申请按揭时没有就其他按揭物业作出借贷或担保</p><p>供款入息比率</p><p>40%</p><p>30%</p><p>压力测试基准 (假设利率上升3%)</p><p>50%</p><p>40%</p><p>申请人在申请按揭时有就其他按揭物业作出借贷或担保</p><p>供款入息比率</p><p>40%</p><p>30%</p><p>压力测试基准 (假设利率上升3%)</p><p>50%</p><p>40%</p></table><p><span><span> </span></span></p><p style="text-align: left;"><span style="font-size: 14pt;"><strong>还款年期</strong></span></p><ul><li style="text-align: left;"><span style="font-size: 14pt;"> 还款年期最长为30年 </span></li></ul><p style="text-align: left;"><span style="font-size: 14pt;"><strong>从价印花税</strong><strong> (AVD) (第二标准税率)</strong></span><span> </span></p><table border="1" cellspacing="0" cellpadding="0" width="100%"><p> <strong>楼价</strong></p><p><strong>收费</strong></p><p><strong>超逾</strong></p><p><strong>不超逾</strong></p><p>&#8211;</p><p>$2,000,000</p><p>$100</p><p>$2,000,000</p><p>$2,351,760</p><p>$100 + 超逾 $2,000,000 之款额的10%</p><p>$2,351,760</p><p>$3,000,000</p><p>楼价之1.50%</p><p>$3,000,000</p><p>$3,290,320</p><p>$45,000 + 超逾 $3,000,000 之款额的10%</p><p>$3,290,320</p><p>$4,000,000</p><p>楼价之2.25%</p><p>$4,000,000</p><p>$4,428,570</p><p>$90,000 + 超逾 $4,000,000 之款额的10%</p><p>$4,428,570</p><p>$6,000,000</p><p>楼价之3.00%</p><p>$6,000,000</p><p>$6,720,000</p><p>$180,000 + 超逾 $6,000,000 之款额的10%</p><p>$6,720,000</p><p>$20,000,000</p><p>楼价之3.75%</p><p>$20,000,000</p><p>$21,739,120</p><p>$750,000 + 超逾 $20,000,000 之款额的10%</p><p>$21,739,120</p><p>&#8211;</p><p>楼价之4.25%</p></table><p><span> </span><span>资料只供参考,幷以税务局公布的最新资料作准</span></p><p style="text-align: left;"><span style="font-size: 14pt;"> </span></p><p><span style="font-size: 14pt;"><strong>缴付印花税</strong></span><span style="font-size: 14pt;">非住宅物业在签订「买卖协议」后均须即时缴付印花税</span></p><p><span style="font-size: 14pt;"> </span></p><p><span style="font-size: 14pt;"> <span style="font-size: 12pt;">以上资料只作参考之用,资料更新截至金管局最新按揭措施之修订日期: 2020年11月25日。 一切资料以金管局、按证公司及税务局等机构之最新公布为准。</span></span><span><span> </span></span></p><p style="text-align: right;"><span style="font-size: 14pt;"><a href="#top_index">回到页顶</a></span></p><p><span><span> </span></span></p><p align="center"></p><p align="center"></p></div><div id="measure3"><p style="text-align: center;"><span><span> </span></span><span style="font-size: 18pt; color: #993366;"><strong>车位 </strong></span></p><p> <span style="font-size: 14pt;"><strong>按揭成数</strong></span></p><p><span style="font-size: 14pt;"> <strong></strong><strong>申请人在申请按揭时<span style="font-size: 20pt;">没有</span>就其他按揭物业作出借贷或担保</strong></span><span><span> </span></span></p><table border="1" cellspacing="0" cellpadding="0" width="100%"><p style="text-align: center;"> <strong>物业价值</strong><strong> / 物业种类</strong></p><p style="text-align: center;"><strong>按揭成数上限</strong></p><p style="text-align: center;">申请人的主要收入来自香港</p><p>申请人的主要收入幷非来自香港</p><p style="text-align: center;">不论物业价值</p><p style="text-align: center;">50%</p><p style="text-align: center;">40%</p></table><p><span><span> </span></span><span style="font-size: 14pt;"><strong>资产水平为基础之按揭申请成数</strong></span><span><span> </span></span></p><table border="1" cellspacing="0" cellpadding="0" width="100%"> <strong>物业</strong><strong>按揭成数上限</strong><p style="text-align: center;">不论物业价值</p><p style="text-align: center;">30%</p></table><p><span><span> </span></span><span style="font-size: 14pt;"><strong>申请人在申请按揭时<span style="font-size: 20pt;">有</span>就其他按揭物业作出借贷或担保</strong></span><span><span> </span></span></p><table border="1" cellspacing="0" cellpadding="0" width="100%"> <strong>物业价值</strong><strong> / 物业种类</strong><strong>按揭成数上限</strong><p style="text-align: center;">申请人的主要收入来自香港</p><p style="text-align: center;">申请人的主要收入幷非来自香港</p><p style="text-align: center;">不论物业价值</p><p style="text-align: center;">40%</p><p style="text-align: center;">30%</p></table><p><span><span> </span></span><span style="font-size: 14pt;"><strong>资产水平为基础之按揭申请成数</strong></span><span><span> </span></span></p><table border="1" cellspacing="0" cellpadding="0" width="100%"> <strong>物业</strong><strong>按揭成数上限</strong><p style="text-align: center;">不论物业价值</p><p style="text-align: center;">30%</p></table><p><span><span> </span></span><span style="font-size: 14pt;"><strong>还款年期</strong> </span></p><ul><li><p><span style="font-size: 14pt;">还款年期最长为15年</span></p></li></ul><p><span style="font-size: 14pt;"> <strong>从价印花税</strong><strong> (AVD) (第二标准税率)</strong></span><span><span> </span></span></p><table border="1" cellspacing="0" cellpadding="0" width="100%"><p> <strong>楼价</strong></p><p><strong>收费</strong></p><p><strong>超逾</strong></p><p><strong>不超逾</strong></p><p>&#8211;</p><p>$2,000,000</p><p>$100</p><p>$2,000,000</p><p>$2,351,760</p><p>$100 + 超逾 $2,000,000 之款额的10%</p><p>$2,351,760</p><p>$3,000,000</p><p>楼价之1.50%</p><p>$3,000,000</p><p>$3,290,320</p><p>$45,000 + 超逾 $3,000,000 之款额的10%</p><p>$3,290,320</p><p>$4,000,000</p><p>楼价之2.25%</p><p>$4,000,000</p><p>$4,428,570</p><p>$90,000 + 超逾 $4,000,000 之款额的10%</p><p>$4,428,570</p><p>$6,000,000</p><p>楼价之3.00%</p><p>$6,000,000</p><p>$6,720,000</p><p>$180,000 + 超逾 $6,000,000 之款额的10%</p><p>$6,720,000</p><p>$20,000,000</p><p>楼价之3.75%</p><p>$20,000,000</p><p>$21,739,120</p><p>$750,000 + 超逾 $20,000,000 之款额的10%</p><p>$21,739,120</p><p>&#8211;</p><p>楼价之4.25%</p></table><p><span><span> </span></span><span style="font-size: 12pt;">资料只供参考,幷以税务局公布的最新资料作准</span></p><p></p><p style="text-align: center;"> <span style="font-size: 14pt;"><strong>缴付印花税</strong></span><span style="font-size: 14pt;">非住宅物业在签订「买卖协议」后均须即时缴付印花税</span></p><p style="text-align: center;"><span style="font-size: 14pt;"> </span></p><p style="text-align: center;"><span style="font-size: 14pt;"> <span style="font-size: 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海外信托银行大厦17楼</p></div></div><div class="w-col w-col-6"><div class="bottomaddressoffice office"><p>NIL</p></div></div></div></div></div></div></div></div></div></div></div></div></div><div id="wechat_qrcode_img" style="display: none;"> </div><div id="popup_before_webchat" style="display: none;"><div class="close_button" onclick="if (!window.__cfRLUnblockHandlers) return false; close_popup_for_webchat();" data-cf-modified-7921e648e7ff73069cef257e-=""></div><div class="icon" onclick="if (!window.__cfRLUnblockHandlers) return false; close_popup_for_webchat();open_webchat()" data-cf-modified-7921e648e7ff73069cef257e-=""></div><div class="text" onclick="if (!window.__cfRLUnblockHandlers) return false; close_popup_for_webchat();open_webchat()" data-cf-modified-7921e648e7ff73069cef257e-="">Hi, 我系经络智能小助手, 我好乐意解答你慨查询</div><div class="button">点击进入</div></div></div> jQuery(function($) { var wts_url = JSON.parse('["https:\/\/wa.me\/85294262288?text=Hi"]'); var wts_url_mobile = 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}); $('.cal_input_fields').on('change', function(){ cal_refresh(); }); Calculator_Data.bind(); }); function cal_refresh(){ var ppt_prices = parseNum($('#fcal_ppt_prices').val()); var loan_amount_rate = parseNum($('#fcal_loan_amount_rate').val()) / 100; var loan_period = parseNum($('#fcal_loan_year').val()) * 12; var mortgage_annual_interest_rate = parseNum($('#fcal_intrest_rate').val()) / 100; if(!(ppt_prices && loan_amount_rate && loan_period && mortgage_annual_interest_rate)){ return; }else{ var true_loan_amount = ppt_prices * loan_amount_rate; var monthly_repayment = Formula.cal_monthly_repayment(true_loan_amount, mortgage_annual_interest_rate / 12, loan_period); $('#fcal_result_loan_amount').text(number_format(true_loan_amount, 0)); $('#fcal_result_loan_period_12').text(loan_period); $('#fcal_result_first_payment').text(number_format(ppt_prices - true_loan_amount, 0)); $('#fcal_result_monthly_repayment').text(number_format(monthly_repayment, 0)); } } // var images = document.querySelectorAll("img[data-src]"); // console.log('hihi', images); // lazyload(images); var myLazyLoad = new LazyLoad({ elements_selector: "img[data-src]" }); // URL.prototype.searchParam = URL.prototype.searchParam ? URL.prototype.searchParam : { // get: function(){return null;} // }; // _imags = document.querySelectorAll('img'); // for (var i = _imags.length - 1; i >= 0; i--) { // // _imags[i].attributes.src = ""; // _imags[i].remove(); // } jQuery(document).ready(function () { jQuery.post('https://www1.mreferral.com/zh?ga_action=googleanalytics_get_script', {action: 'googleanalytics_get_script'}, function(response) { var F = new Function ( response ); return( F() ); }); });var wpcf7 = {"apiSettings":{"root":"https:\/\/www1.mreferral.com\/zh\/wp-json\/","namespace":"contact-form-7\/v1"},"recaptcha":{"messages":{"empty":"\u8bf7\u9a8c\u8bc1\u60a8\u4e0d\u662f\u4e00\u4e2a\u673a\u5668\u4eba"}},"cached":"1"};
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