香港上海匯豐銀行有限公司，香港皇后大道中1號，2233 3000，e-marketing@hsbc.com.hk
The Hongkong and Shanghai Banking Corporation Limited, 1 Queen's Road Central, Hong Kong.
2233 3000, e-marketing@hsbc.com.hk
將物業轉按或加按至滙豐，可享額外現金回贈
Extra cash rebate for property refinancing to HSBC
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親愛的客戶 Dear Customer 將物業轉按或加按至匯豐，成功提取貸款可享高達1.4%現金回贈（於貸款批核時所獲發之樓宇按揭貸款批核書之條款及細則適用）。 Refinance your property to HSBC and you will enjoy up to 1.4% cash rebate upon drawdown (subject to the terms and conditions of Mortgage Loan Facility Letter issued upon loan approval). 貸款提取優惠 Loan drawdown offer 高達1.4%現金回贈 Up to 1.4% cash rebate 作為您所信賴的按揭夥伴，匯豐了解您或有其他財富管理的需要，所以特別推出存款掛鈎按揭供款計劃(1)，讓您的部份存款在貸款時尊享相等於按揭貸款息率的特惠息率(2)，獲享高息回報之餘更可靈活管理財富。 As your trusted mortgage partner, HSBC understands that you may have various wealth management needs. Our Deposit-linked Mortgage Repayment Plan(1) allows you to enjoy a preferential interest rate equivalent to your mortgage loan interest rate(2) for a certain amount of deposits once you draw a mortgage loan with us. In addition to better interest return, you can also have greater flexibility to manage your finances. • 為您的儲蓄存款賺取豐厚回報－將財富集中由匯豐管理，您可享有與按揭貸款息率相同的儲蓄存款利率，適用金額高達未償還按揭貸款的50%。存款利息回報顯著提升，淨按揭貸款利息開支因而減少。 Fruitful returns on your savings deposit - You will enjoy a preferential interest rate same as the mortgage interest rate for your savings deposit balance up to 50% of the outstanding principal amount of your mortgage loan with us. With a much higher interest return, the net interest cost of your mortgage loan can be reduced. • 靈活調動資金和管理財富－按揭戶口和儲蓄戶口各自獨立，讓您靈活調動資金，管理財富更輕鬆。 Flexibility in reallocating your funds and managing your finances - you will have access to your separate mortgage and savings accounts, allowing you to have easy and complete control over the management of your finances.
參考例子 Example for reference: 假設貸款為港幣2,000,000元，還款期為20年，按揭利率為1.89% Assume a loan size of HKD2,000,000 with a repayment tenor of 20 years and an interest rate of 1.89% 有關存款掛鈎按揭供款計劃與一般按揭計劃在整個供款期內的按揭利息開支及存款利息收入比較，請参閱： For the comparison of the mortgage interest payment and savings interest return for the entire repayment tenor under a Deposit-linked Mortgage Repayment Plan and a Standard Mortgage Plan, please refer to:
存款掛鈎按揭供款計劃與一般按揭計劃之比較 Comparison of Deposit-linked Mortgage Repayment Plan and Standard Mortgage Plan
按揭工具 Mortgage tools: • 只需於匯豐網頁www.hsbc.com.hk/mortgage，透過「物業估價工具」輸入物業地址，即可搜尋本港主要屋苑單位的網上估價以作參考。 Visit HSBC website www.hsbc.com.hk/mortgage, just type an address into our ‘Property Valuation Tool’ and you can find out the value of a Hong Kong apartment for reference. • 您亦可透過「按揭慳程式」，以您目前的月薪水平為基礎，計算您可負擔的按揭貸款額、貸款月供金額以及可以從「存款掛鈎按揭」節省多少利息開支。 You can also use the ‘Mortgage Calculations’ to calculate how large a mortgage you can afford to repay with your current salary, to work out what your monthly payments will be and find out how much interest expense you can save with a Deposit-linked Mortgage. 申請按揭及查詢詳情，歡迎： To apply for a mortgage and for more information: 致電 Call 2748 80803 瀏覽 Click www.hsbc.com.hk 親臨 Visit 匯豐分行 HSBC branch 參考編號 Reference number：Y7-U2-MTGS01(J35)
註 Remarks: 存款掛鈎按揭供款計劃適用於貸款額不少於港幣700,000元的最優惠利率或貸款額不少於港幣1,000,000元的香港銀行同業拆息按揭貸款。 Deposit-linked Mortgage Repayment Plan is applicable to BLR-based mortgage loans with a minimum loan amount of HKD700,000 or HIBOR-based mortgage loans with a minimum loan amount of HKD1,000,000. 您可以選用「匯豐卓越理財」或「匯豐運籌理財」或「個人綜合理財戶口」名下最多3個港元儲蓄戶口（存款掛鈎戶口）。如屬個人借款人，只有借款人本人、其配偶或其聯名持有的存款掛鈎戶口方適用。如屬公司借款人，只有擔保人、其配偶或其聯名持有的存款掛鈎戶口方適用。適用於特惠息率的存款結餘（「適用存款額」），可高達本行借出的未償還按揭貸款的50%。適用存款額根據按揭貸款的未償還金額而調整。超出適用存款額範圍的存款結餘，將根據綜合理財戶口的條款及細則，計算存款利息。如有2個存款掛鈎戶口，每個戶口的適用存款額最高為未償還按揭貸款的50%，然後除2。如有3個存款掛鈎戶口，每個戶口的適用存款額最高為未償還按揭貸款的50%，再除以3。 You can choose to use up to 3 Hong Kong Dollar (HKD) savings accounts under Integrated Account - HSBC Premier or HSBC Advance or Personal Integrated Account (Deposit-linked accounts). For individual borrower, only the Deposit-linked account held by the borrower or spouse of the borrower or their joint account is eligible. For company borrower, only the Deposit-linked account held by the guarantor or spouse of the guarantor or their joint account is eligible. The amount of deposit balance eligible for a preferential interest rate (Available Threshold) is up to 50% of the outstanding principal amount of the mortgage loan with us, and the Available Threshold will be adjusted according to the outstanding principal balance of the mortgage loan. Savings interest will accrue on the deposit balance exceeding the Available Threshold in accordance with the Integrated Account Terms and Conditions. In the case of 2 Deposit-linked accounts, the Available Threshold for each account is up to 50% of the outstanding principal amount of the mortgage loan divided by 2. In the case of 3 Deposit-linked accounts, the Available Threshold for each account is up to 50% of the outstanding principal amount of the mortgage loan divided by 3. 電話申請熱線的辦公時間為星期一至五：上午9時至晚上8時；星期六：上午9時至下午5時。公眾假期除外。 Hotline business hours: Monday to Friday: 9 am to 8 pm; Saturday: 9 am to 5 pm. Except public holidays. 為何不可直接點擊連結？ Why can't I click and go? 為確保您的個人資料不會被他人不適當及未經授權地使用，匯豐所發出的電子郵件絕對不會載有任何超連結，以提供連結直接到網上或流動理財的登入頁面，或要求您提供或確認網上理財的登入資料或個人資料。我們明白您習慣直接點擊連結，但於瀏覽器的網站地址欄輸入我們的正確網址，才可確保您瀏覽的是匯豐網站。 To minimise the risk of any unwanted and unauthorised access to your personal information, genuine emails from HSBC will never embed with any hyperlinks that provide direct access to internet or mobile banking, or request you to provide or confirm internet banking log on details or personal data. We understand that you are used to click and go, but typing the authentic address into a browser’s address bar is the best way to help you ensure you are accessing HSBC website.

 

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Should you prefer not to receive promotional emails from The Hongkong and Shanghai Banking Corporation Limited, please send us your request by emailing to unsubscribe@hsbc.com.hk. Please use your email address that you would like to stop receiving promotional emails when submitting the request to us. Please do not provide any of your details including your account or credit card number, or disclose any confidential information such as telephone number, other email address, etc in your email. We will arrange to have your email address excluded from our promotional email list without charge. If you wish to make any enquiry or request, please contact us by calling 2748 3350 and please do not send your enquiry or request to unsubscribe@hsbc.com.hk. If you wish to stop receiving the message from eAlert service, please unsubscribe the eAlert service via HSBC Internet Banking.

我們在保密方面有嚴格的保安準則及程序，防止您的個人資料在未經授權下被使用。匯豐絕對不會以電郵或其他方式要求核實個人資料，包括用戶名稱，密碼或賬戶號碼。如您接到這些要求，請致電2233 3000。
We maintain strict security standards and procedures to prevent unauthorised access to information about you. We will never contact you by email or otherwise and ask you to validate personal information such as your user ID, password or account numbers. If you receive such a request, please call 2233 3000.

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This e-mail is confidential. It may also be legally privileged. If you are not the addressee you may not copy, forward, disclose or use any part of it. If you have received this message in error, please delete it and all copies from your system and notify HSBC immediately by calling the above respective hotline.

經互聯網傳送的電郵信息，不保證準時、完全安全、不含錯誤或電腦病毒。寄件者不會承擔所引致任何錯誤或遺漏的責任。
Internet communications cannot be guaranteed to be timely secure, error or virus-free. The sender does not accept liability for any errors or omissions.

  
     
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