{"id":9506,"date":"2026-05-27T17:52:12","date_gmt":"2026-05-27T09:52:12","guid":{"rendered":"https:\/\/www.spacious.hk\/zh-tw\/blog\/?p=9506"},"modified":"2026-05-27T17:52:12","modified_gmt":"2026-05-27T09:52:12","slug":"%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad-hkmc%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad%e8%a9%a6%e9%a9%97%e8%a8%88%e5%8a%83%e5%84%aa%e7%bc%ba","status":"publish","type":"post","link":"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad-hkmc%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad%e8%a9%a6%e9%a9%97%e8%a8%88%e5%8a%83%e5%84%aa%e7%bc%ba\/","title":{"rendered":"\u5e7e\u6642\u7528\u5b9a\u606f\u6309\u63ed\uff1f\u5206\u6790HKMC\u300c\u5b9a\u606f\u6309\u63ed\u8a66\u9a57\u8a08\u5283\u300d\u512a\u7f3a"},"content":{"rendered":"\n<p>\u8cb7\u6a13\u7533\u8acb\u9280\u884c\u6309\u63ed\uff0c\u4e00\u822c\u53ef\u63c0\u7528\u5b9a\u606f\u6309\u63ed\uff0c\u6291\u6216\u662f<a aria-label=\"\u6d6e\u606f\u6309\u63ed (opens in a new tab)\" 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data-id=\"https:\/\/www.facebook.com\/spacious.hk\" target=\"_blank\" rel=\"noreferrer noopener\">Facebook<\/a> \u53ca <a href=\"https:\/\/www.instagram.com\/spacious.hk\/?igshid=NTc4MTIwNjQ2YQ%3D%3D\" data-type=\"URL\" data-id=\"https:\/\/www.instagram.com\/spacious.hk\/?igshid=NTc4MTIwNjQ2YQ%3D%3D\" rel=\"noopener\">Instagram<\/a> \u5c08\u9801\uff08@spacious.hk\uff09\uff0c\u638c\u63e1\u6700\u65b0\u5730\u7522\u8cc7\u8a0a\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f7fafb\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"has-text-color\" style=\"color:#1d3960\"><strong>\u3010\u6309\u63ed\u653b\u7565\u3011\u7d42\u6975\u6309\u63ed\u6559\u5b78\uff08\u4e0d\u65b7\u66f4\u65b0\uff09<\/strong><\/p>\n\n\n\n<p><strong style=\"color: #1d3960;\" data-rich-text-format-boundary=\"true\">\u3010\u6309\u63ed\u57fa\u672c\u6b65\u3011<\/strong><\/p>\n<ul>\n<li><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e9%a6%96%e7%bd%ae%e4%b8%8a%e8%bb%8a-%e6%a8%93%e5%ae%87%e6%8c%89%e6%8f%ad%e6%87%b6%e4%ba%ba%e5%8c%85\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u3010\u521d\u54e5\u5fc5\u8b80\u3011\u6a13\u5b87\u6309\u63ed\u61f6\u4eba\u5305 2020 (opens in a new tab)\"><strong>\u6a13\u5b87\u6309\u63ed\u61f6\u4eba\u5305<\/strong><\/a><\/span>\uff5c<span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%96%b0%e6%a8%93%e6%8c%89%e6%8f%ad-%e9%8a%80%e8%a1%8cvs%e7%99%bc%e5%b1%95%e5%95%86%e6%8c%89%e6%8f%ad\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u3010\u65b0\u6a13\u6309\u63ed\u3011\u9280\u884c\u6309\u63ed VS \u767c\u5c55\u5546\u6309\u63ed (opens in a new tab)\">\u9280\u884c\u6309\u63ed VS \u767c\u5c55\u5546\u6309\u63ed<\/a><\/strong><\/span><\/li>\n<li><span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e3%80%90%e8%b2%b7%e6%a8%93%e7%9f%a5%e5%a4%9a%e5%95%b2%e3%80%91%e5%8d%b3%e4%be%9b%e4%bb%98%e6%ac%be-vs-%e5%bb%ba%e7%af%89%e6%9c%9f%e4%bb%98%e6%ac%be\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u3010\u65b0\u6a13\u6309\u63ed\u3011\u5373\u4f9b\u4ed8\u6b3e VS \u5efa\u7bc9\u671f\u4ed8\u6b3e\uff08\u542b\u6309\u63ed\u5206\u5225\uff09 (opens in a new tab)\">\u5373\u4f9b\u4ed8\u6b3e VS \u5efa\u7bc9\u671f\u4ed8\u6b3e<\/a><\/strong><\/span><\/li>\n<li><span style=\"color: #ff8700;\"><strong><a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad-hkmc%e5%ae%9a%e6%81%af%e6%8c%89%e6%8f%ad%e8%a9%a6%e9%a9%97%e8%a8%88%e5%8a%83%e5%84%aa%e7%bc%ba\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #ff8700;\">\u5b9a\u606f\u6309\u63ed<\/span><\/a><\/strong><\/span>\uff5c<span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e9%8a%80%e8%a1%8c%e6%8c%89%e6%8f%ad-h%e6%8c%89-p%e6%8c%89\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u3010\u9280\u884c\u6309\u63ed\u3011\u6bd4\u8f03 H \u6309 P \u6309 (opens in a new tab)\">\u6d6e\u606f\u6309\u63ed\uff1a\u6bd4\u8f03 H \u6309 P \u6309<\/a><\/strong><\/span><\/li>\n<li><span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%8c%89%e6%8f%ad%e8%bd%89%e4%bb%8b-%e8%91%97%e6%95%b8-%e4%bc%8f%e4%bd%8d\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u3010\u6309\u63ed\u8f49\u4ecb\u3011\u76e4\u9ede\u6309\u63ed\u8f49\u4ecb\u8457\u6578\uff06\u4f0f\u4f4d (opens in a new tab)\">\u6309\u63ed\u8f49\u4ecb\u6709\u7121\u4f0f<\/a><\/strong><\/span><\/li>\n<li><strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e5%af%a6%e9%9a%9b%e5%b9%b4%e5%88%a9%e7%8e%87vs%e6%9c%88%e5%b9%b3%e6%81%af\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u5be6\u969b\u5e74\u5229\u7387 VS \u6708\u5e73\u606f<\/a><\/span><\/strong><\/li>\n<\/ul>\n<p><strong style=\"color: #1d3960;\">\u3010\u501f\u8db3\u6210\u6578\u5fc5\u8b80\u3011<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%9c%80%e9%ab%98%e6%8c%89%e6%8f%ad%e6%88%90%e6%95%b8-%e9%a6%96%e7%bd%ae-%e9%9d%9e%e9%a6%96%e7%bd%ae\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u6700\u9ad8\u6309\u63ed\u6210\u6578\uff1a\u9996\u7f6e VS \u975e\u9996\u7f6e (opens in a new tab)\"><strong><span style=\"color: #ff8700;\">\u6700\u9ad8\u6309\u63ed\u6210\u6578<\/span><\/strong><\/a><a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%9c%80%e9%ab%98%e6%8c%89%e6%8f%ad%e6%88%90%e6%95%b8-%e9%a6%96%e7%bd%ae-%e9%9d%9e%e9%a6%96%e7%bd%ae\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u6700\u9ad8\u6309\u63ed\u6210\u6578\uff1a\u9996\u7f6e VS \u975e\u9996\u7f6e (opens in a new tab)\">\uff5c<\/a><strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/9%e6%88%90%e6%8c%89%e6%8f%ad-%e7%94%b3%e8%ab%8b%e6%a2%9d%e4%bb%b6-%e5%b8%b8%e8%a6%8b%e5%95%8f%e9%a1%8c-%e9%a6%96%e7%bd%ae%e4%b8%8a%e8%bb%8a\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u3010\u9996\u7f6e\u30119 \u6210\u6309\u63ed\u7533\u8acb\u689d\u4ef6\uff08\u5e38\u898b\u554f\u984c\uff09 (opens in a new tab)\">\u9996\u7f6e 9 \u6210\u6309\u63ed\u689d\u4ef6<\/a><\/span><\/strong>\uff5c<strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/8%e6%88%90%e6%8c%89%e6%8f%ad%e6%87%b6%e4%ba%ba%e5%8c%85\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u3010\u975e\u9996\u7f6e\u30118 \u6210\u6309\u63ed\u7533\u8acb\u689d\u4ef6\uff08\u5e38\u898b\u554f\u984c\uff09 (opens in a new tab)\">\u975e\u9996\u7f6e 8 \u6210\u6309\u63ed\u689d\u4ef6<\/a><\/span><\/strong><\/li>\n<li><strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%E6%8C%89%E6%8F%AD%E4%BF%9D%E9%9A%AA%E8%A8%88%E5%8A%83%E7%94%B3%E8%AB%8B%E9%A0%88%E7%9F%A5\/\">\u6309\u63ed\u4fdd\u96aa\u8a08\u5283\u9808\u77e5<\/a><\/span><\/strong>\uff5c<strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%8c%89%e6%8f%ad%e4%bf%9d%e9%9a%aa-%e6%8c%89%e6%8f%ad%e4%bf%9d%e8%b2%bb-%e9%80%80%e4%bf%9d\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u6309\u63ed\u4fdd\u8cbb\u5168\u9762\u7747\uff08\u542b\u9000\u4fdd\u505a\u6cd5\u3001\u5e38\u898b\u88ab\u62d2\u539f\u56e0\uff09 (opens in a new tab)\">\u6309\u63ed\u4fdd\u8cbb\uff06\u9000\u4fdd\u505a\u6cd5<\/a><\/span><\/strong><\/li>\n<li><strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%8c%89%e6%8f%ad%e5%a3%93%e5%8a%9b%e6%b8%ac%e8%a9%a6%e8%a6%81%e6%b1%82\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u4e00\u6587\u770b\u6e05\u58d3\u529b\u6e2c\u8a66\u8981\u6c42 (opens in a new tab)\">\u58d3\u529b\u6e2c\u8a66\u8981\u6c42<\/a><\/span><\/strong>\uff5c<strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e4%bf%a1%e8%b2%b8%e5%a0%b1%e5%91%8a-%e5%b8%b8%e8%a6%8b%e5%95%8f%e9%a1%8c-%e6%8f%90%e5%8d%87%e4%bf%a1%e8%b2%b8%e8%a9%95%e5%88%86%e6%96%b9%e6%b3%95\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"5 \u62db\u63d0\u5347\u4fe1\u8cb8\u5831\u544a\u8a55\u7d1a (opens in a new tab)\">\u4fe1\u8cb8\u5831\u544a\u8a55\u7d1a<\/a>\u00a0<\/span><\/strong>\uff5c<strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e3%80%90hkmc%e8%81%b7%e8%83%bd%e3%80%91%e8%aa%8d%e8%ad%98hkmc%e6%8c%89%e6%8f%ad%e5%a6%82%e4%bd%95%e5%b9%ab%e4%bd%a0%e4%b8%8a%e8%bb%8a\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u3010\u975e\u9996\u7f6e\u30118 \u6210\u6309\u63ed\u7533\u8acb\u689d\u4ef6\uff08\u5e38\u898b\u554f\u984c\uff09 (opens in a new tab)\">HKMC\u8077\u80fd<\/a><\/span><\/strong><\/li>\n<\/ul>\n<p><strong style=\"color: #1d3960;\">\u3010\u8f49\u6309\u653b\u7565\u3011<\/strong><\/p>\n<ul>\n<li><strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%E8%BD%89%E6%8C%89-%E8%91%97%E6%95%B8-%E5%88%A9%E5%BC%8A\/\">\u8f49\u6309\u8457\u6578<\/a><\/span><\/strong>\uff5c<strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%af%94%e8%bc%83%e9%8a%80%e8%a1%8c%e7%bd%b0%e6%81%af%e6%9c%9f\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u4e00\u8868\u770b\u6e05 20 \u9593\u9280\u884c\u7f70\u606f\u671f\u3001\u7f70\u7387 (opens in a new tab)\">\u9280\u884c\u7f70\u606f\u671f\u6bd4\u8f03<\/a><\/span><\/strong>\uff5c<strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%8c%89%e6%8f%ad-%e7%89%a9%e6%a5%ad%e4%bc%b0%e5%83%b9-%e9%81%bf%e5%85%8d%e4%bc%b0%e5%83%b9%e4%b8%8d%e8%b6%b3\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"6 \u62db\u907f\u514d\u4f30\u50f9\u4e0d\u8db3 (opens in a new tab)\">\u907f\u514d\u4f30\u50f9\u4e0d\u8db3<\/a><\/span><\/strong><\/li>\n<\/ul>\n<p><strong style=\"color: #1d3960;\">\u3010\u6bd4\u8f03\u6309\u63ed\u5229\u7387\u53ca\u512a\u60e0\u3011<\/strong><\/p>\n<ul>\n<li><span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e9%8a%80%e8%a1%8c%e6%8c%89%e6%8f%ad-%e6%8c%89%e6%8f%ad%e5%88%a9%e7%8e%87-%e7%8f%be%e9%87%91%e5%9b%9e%e8%b4%88%e5%a4%a7%e6%af%94%e6%8b%bc\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u5404\u9280\u884c\u6309\u63ed\u5229\u7387\uff06\u73fe\u91d1\u56de\u8d08\u5927\u6bd4\u62fc (opens in a new tab)\">\u9280\u884c\u6309\u63ed\u5229\u7387\uff06\u73fe\u91d1\u56de\u8d08\u5927\u6bd4\u62fc<\/a><\/strong><\/span>\uff5c<span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%8c%89%e6%8f%ad%e5%9b%9e%e8%b4%88-%e9%8a%80%e8%a1%8c-%e4%b8%ad%e4%bb%8b%e5%9b%9e%e8%b4%88%e6%b3%a8%e6%84%8f%e4%ba%8b%e9%a0%85\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u9280\u884c\uff06\u4e2d\u4ecb\u56de\u8d08\u6ce8\u610f\u4e8b\u9805 (opens in a new tab)\">\u9280\u884c\uff06\u4e2d\u4ecb\u56de\u8d08\u6ce8\u610f\u4e8b\u9805<\/a><\/strong><\/span><\/li>\n<li><strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/mortgage-link-%e9%ab%98%e6%81%af%e6%88%b6%e5%8f%a3-%e6%85%b3%e6%8c%89%e6%8f%ad%e5%88%a9%e7%8e%87\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Mortgage Link \u9ad8\u606f\u6236\u53e3 \u6173\u76e1\u6309\u63ed\u5229\u7387 (opens in a new tab)\">Mortgage Link <\/a><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/mortgage-link-%e9%ab%98%e6%81%af%e6%88%b6%e5%8f%a3-%e6%85%b3%e6%8c%89%e6%8f%ad%e5%88%a9%e7%8e%87\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Mortgage Link \u9ad8\u606f\u6236\u53e3 \u6173\u76e1\u6309\u63ed\u5229\u7387 (opens in a new tab)\">\u6309\u63ed\u5b58\u6b3e<\/a><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/mortgage-link-%e9%ab%98%e6%81%af%e6%88%b6%e5%8f%a3-%e6%85%b3%e6%8c%89%e6%8f%ad%e5%88%a9%e7%8e%87\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Mortgage Link \u9ad8\u606f\u6236\u53e3 \u6173\u76e1\u6309\u63ed\u5229\u7387 (opens in a new tab)\">\u9ad8\u606f<\/a><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/mortgage-link-%e9%ab%98%e6%81%af%e6%88%b6%e5%8f%a3-%e6%85%b3%e6%8c%89%e6%8f%ad%e5%88%a9%e7%8e%87\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Mortgage Link \u9ad8\u606f\u6236\u53e3 \u6173\u76e1\u6309\u63ed\u5229\u7387 (opens in a new tab)\">\u6236\u53e3<\/a><\/span><\/strong><\/li>\n<\/ul>\n<p><strong style=\"color: #1d3960;\">\u3010\u6309\u63ed\u9032\u7d1a\u7248\u3011<\/strong><\/p>\n<ul>\n<li><strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%8c%89%e6%8f%ad%e6%94%bb%e7%95%a5-%e4%bd%95%e8%ac%82%e4%ba%8c%e6%8c%89-%e4%ba%8c%e6%8c%89%e7%94%b3%e8%ab%8b%e6%89%8b%e7%ba%8c\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u300c\u4e8c\u6309\u300d\u7533\u8acb\u689d\u4ef6\u3001\u624b\u7e8c (opens in a new tab)\">\u5982\u4f55\u4e8c\u6309<\/a><\/span><\/strong>\uff5c<strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%E5%8A%A0%E6%8C%89%E5%9F%BA%E6%9C%AC%E9%A0%88%E7%9F%A5\/\">\u5982\u4f55\u52a0\u6309<\/a><\/span><\/strong><\/li>\n<li><strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e3%80%90%e5%ae%89%e8%80%81%e6%8c%89%e6%8f%ad%e6%95%99%e5%ae%a4%e3%80%91%e4%bd%a0%e5%95%8f%e6%88%91%e7%ad%94%e5%85%a5%e9%96%80%e6%95%99%e5%ad%b8\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u5b89\u8001\u6309\u63ed\uff08\u9006\u6309\u63ed\uff09\u5165\u9580\u5168\u653b\u7565 (opens in a new tab)\">\u5b89\u8001\u6309\u63ed\uff08\u9006\u6309\u63ed\uff09\u5165\u9580<\/a><\/span><\/strong>\uff5c<strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e3%80%90%e5%ae%89%e8%80%81%e6%8c%89%e6%8f%ad%e6%95%99%e5%ae%a4%e3%80%91%e4%ba%94%e5%a4%a7%e5%9c%b0%e9%9b%b7%e4%bd%a0%e8%a6%81%e7%9f%a5\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u5b89\u8001\u6309\u63ed 5 \u5927\u5730\u96f7\u4f60\u8981\u77e5 (opens in a new tab)\">\u5b89\u8001\u6309\u63ed\u5730\u96f7<\/a><\/span><\/strong><\/li>\n<li><strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%8c%89%e6%8f%ad%e6%93%94%e4%bf%9d%e4%ba%ba%e9%a2%a8%e9%9a%aa%e5%8f%8a%e8%b2%ac%e4%bb%bb\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u505a\u6309\u63ed\u64d4\u4fdd\u4eba\u524d\u5fc5\u8b80\uff01\u64d4\u4fdd\u8cac\u4efb\uff065 \u5927\u98a8\u96aa (opens in a new tab)\">\u6309\u63ed\u64d4\u4fdd\u4eba\u8cac\u4efb\u8207\u98a8\u96aa<\/a><\/span><\/strong>\uff5c<a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e8%b2%a0%e8%b3%87%e7%94%a2-call-loan-%e5%89%8d%e5%9b%a0%e5%be%8c%e6%9e%9c\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u907f\u514d\u6210\u70ba\u300c\u8ca0\u8cc7\u7522\u300d\uff08\u4e00\u6587\u770b\u6e05\u524d\u56e0\u5f8c\u679c\uff09\n (opens in a new tab)\"><strong><span style=\"color: #ff8700;\">\u8ca0\u8cc7\u7522\u524d\u56e0\u5f8c\u679c<\/span><\/strong><br data-rich-text-line-break=\"true\" \/><\/a><\/li>\n<\/ul>\n<p><strong style=\"color: #1d3960;\">\u3010\u5176\u4ed6\u7269\u696d\u6309\u63ed\u3011<\/strong><\/p>\n<ul>\n<li><span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%8c%89%e6%8f%ad%e6%94%bb%e7%95%a5-%e6%9d%91%e5%b1%8b%e6%8c%89%e6%8f%ad%e9%9b%a3%e9%a1%8c\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u6751\u5c4b\u6309\u63ed (opens in a new tab)\">\u6751\u5c4b\u6309\u63ed<\/a><\/strong><\/span>\uff5c<span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e4%b8%80%e4%ba%8c%e6%89%8b%e5%b1%85%e5%b1%8b%e6%8c%89%e6%8f%ad%e6%8c%87%e5%8d%97-%e7%99%bd%e5%b1%85%e4%ba%8c%e6%8c%89%e6%8f%ad\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u4e00\u4e8c\u624b\u5c45\u5c4b\u6309\u63ed\uff08\u542b\u7da0\u8868\u3001\u767d\u8868\u3001\u767d\u5c45\u4e8c\u8cc7\u683c\uff09 (opens in a new tab)\">\u5c45\u5c4b\u6309\u63ed\uff08\u7da0\/\u767d\u8868\/\u767d\u5c45\u4e8c\uff09<\/a><\/strong><\/span>\uff5c<span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e7%b6%a0%e7%bd%ae%e5%b1%85%e6%8c%89%e6%8f%ad%e6%87%b6%e4%ba%ba%e5%8c%85\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"\u7da0\u7f6e\u5c45\u6309\u63ed (opens in a new tab)\">\u7da0\u7f6e\u5c45\u6309\u63ed<\/a><\/strong><\/span><\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p><strong>\u7acb\u5373\u8df3\u5f80\uff1a<a href=\"#\u5b9a\u606f\u6309\u63ed\u5229\u7387\u7a69\u9663\" target=\"_self\" rel=\"noopener noreferrer\">\u5b9a\u606f\u6309\u63ed\u597d\u8655<\/a>\uff5c<a href=\"#\u5b9a\u606f\u6309\u63ed\u606f\u7387\" target=\"_self\" rel=\"noopener noreferrer\">\u5b9a\u606f\u6309\u63ed\u606f\u7387<\/a>\uff5c<a href=\"# \u5b9a\u606f\u6309\u63ed\u8a66\u9a57\u8a08\u5283\" target=\"_self\" rel=\"noopener noreferrer\">HKMC \u5b9a\u606f\u6309\u63ed\u8a66\u9a57\u8a08\u5283<\/a>\uff5c<a href=\"#\u5e38\u898b\u554f\u984c\" data-type=\"internal\" data-id=\"#\u5e38\u898b\u554f\u984c\">\u5e38\u898b\u554f\u984c<\/a><\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-css-opacity has-background is-style-wide\" style=\"background-color:#cccccc;color:#cccccc\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"\u5b9a\u606f\u6309\u63ed\u5229\u7387\u7a69\u9663\" style=\"color:#1d3960\">\u5b9a\u606f\u6309\u63ed\u597d\u8655<\/h2>\n\n\n\n<p>\u9280\u884c\u6309\u63ed\u5927\u81f4\u52063\u7a2e\u8a08\u5283\uff0c\u7576\u4e2d\u7684\u6309\u63ed\u5229\u7387\u5404\u4e0d\u540c\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u5b9a\u606f\u6309\u63ed<\/li>\n\n\n\n<li>\u6d6e\u606f\u6309\u63ed\uff1a<a aria-label=\"H\u6309 (opens in a new tab)\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e9%8a%80%e8%a1%8c%e6%8c%89%e6%8f%ad-h%e6%8c%89-p%e6%8c%89\/\" target=\"_blank\" rel=\"noreferrer noopener\">H\u6309<\/a><\/li>\n\n\n\n<li>\u6d6e\u606f\u6309\u63ed\uff1a<a aria-label=\"P\u6309 (opens in a new tab)\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e9%8a%80%e8%a1%8c%e6%8c%89%e6%8f%ad-h%e6%8c%89-p%e6%8c%89\/\" target=\"_blank\" rel=\"noreferrer noopener\">P\u6309<\/a><\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p>\u6d6e\u606f\u6309\u63ed\u7684\u5229\u7387\u8ddf\u96a8\u9280\u884c\u540c\u696d\u62c6\u606f\u7387\uff08HIBOR\uff0c\u5373H\u6309\uff09\u6216\u6e2f\u5143\u6700\u512a\u60e0\u5229\u7387\uff08Prime Rate\uff0c\u5373P\u6309\uff09\u800c\u6ce2\u52d5\uff0c\u53ef\u5347\u53ef\u8dcc\uff0c\u6ce2\u5e45\u8f03\u5927\u3002<\/p>\n\n\n\n<p>\u76f8\u53cd\uff0c\u5b9a\u606f\u6309\u63ed\u9396\u5b9a\u4f9b\u6b3e\u606f\u7387\uff0c\u5728\u6307\u5b9a\u671f\u9650\u5167\u606f\u53e3\u4fdd\u6301\u4e0d\u8b8a\uff0c\u6e1b\u4f4e\u9762\u5c0d\u5229\u7387\u6ce2\u52d5\u7684\u98a8\u96aa\uff0c\u8b93\u696d\u4e3b\u66f4\u5bb9\u6613\u898f\u5283\u958b\u652f\u3002\u671f\u6eff\u5f8c\uff0c\u696d\u4e3b\u53ef\u518d\u9078\u64c7\u7528H\u6309\u9084\u662fP\u6309\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p class=\"has-text-color has-background\" style=\"color:#ff8700;background-color:#f7fafb\"><a rel=\"noreferrer noopener\" class=\"rank-math-link\" data-wpel-link=\"internal\" href=\"https:\/\/www.spacious.hk\/zh-tw\/%E9%A6%99%E6%B8%AF\/%E4%B8%8A%E8%BB%8A%E7%9B%A4?from-blog\" target=\"_blank\"><strong>\u3010\u8cb7\u6a13\u5fc5\u8b80\u3011\u641c\u5c0b 600 \u842c\u5167\u4e0a\u8eca\u76e4 \u2192<\/strong><\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-css-opacity has-background is-style-wide\" style=\"background-color:#cccccc;color:#cccccc\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"\u5b9a\u606f\u6309\u63ed\u606f\u7387\" style=\"color:#1d3960\">\u5b9a\u606f\u6309\u63ed\u606f\u7387<\/h2>\n\n\n\n<p>\u5b9a\u606f\u6309\u63ed\u4e0d\u4e00\u5b9a\u662f\u5168\u671f\u56fa\u5b9a\u7528\u540c\u4e00\u500b\u606f\u7387\uff0c\u6709\u6a5f\u6703\u6bcf\u5e74\u6240\u5b9a\u4e4b\u606f\u7387\u90fd\u4e0d\u540c\u3002\u800c\u5b9a\u606f\u671f\u8d8a\u9577\uff0c\u5229\u7387\u4e5f\u8d8a\u9ad8\u3002\u5b9a\u606f\u671f\u5167\u4e0d\u80fd\u8f15\u6613\u8f49\u6309\uff0c\u5426\u5247\u6703\u88ab\u7f70\u606f\uff0c\u6709\u6b20\u9748\u6d3b\u3002<\/p>\n\n\n\n<p>\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u6d6e\u606fH\u6309\u8a2d\u6709\u5229\u7387\u4e0a\u9650\uff0c\u52a0\u606f\u6642\u6703\u5c01\u9802\uff0c\u80fd\u5920\u70ba\u696d\u4e3b\u63d0\u4f9b\u4e00\u5b9a\u7a69\u5b9a\u6027\uff1b\u6b65\u5165\u6e1b\u606f\u5468\u671f\uff0c\u53c8\u6703\u96a8\u4e4b\u8abf\u4f4e\u606f\u7387\uff0c\u53ef\u8b02\u5169\u5168\u5176\u7f8e\uff0c\u4ee4\u5b9a\u606f\u6309\u63ed\u76f8\u5f62\u5931\u8272\u3002\u4e8b\u5be6\u4e0a\uff0c\u9999\u6e2f\u8d85\u904e9\u6210\u696d\u4e3b\u90fd\u9078\u7528\u6d6e\u606f\u6309\u63ed\uff08P\u6309\u6216H\u6309\uff09\uff0c\u800c\u5b9a\u606f\u8a08\u5283\u4ea6\u65e5\u6f38\u5f0f\u5fae\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-css-opacity has-background is-style-wide\" style=\"background-color:#cccccc;color:#cccccc\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"\u5b9a\u606f\u6309\u63ed\u8a66\u9a57\u8a08\u5283\" style=\"color:#1d3960\">HKMC \u5b9a\u606f\u6309\u63ed\u8a66\u9a57\u8a08\u5283 <\/h2>\n\n\n\n<p>\u6709\u898b\u9280\u884c\u9010\u6f38\u505c\u63a8\u5b9a\u606f\u6309\u63ed\uff0c2020\u5e74\u5ea6\u7684\u300a\u8ca1\u653f\u9810\u7b97\u6848\u300b\u4fbf\u900f\u904e\u6309\u63ed\u8b49\u5238\u516c\u53f8\uff08HKMC\uff09\u63a8\u51fa\u5168\u65b0\u7684\u300c\u5b9a\u606f\u6309\u63ed\u8a66\u9a57\u8a08\u5283\u300d\uff0c\u7531 HKMC \u8a66\u884c<strong><a aria-label=\"\u514d\u58d3\u529b\u6e2c\u8a66 (opens in a new tab)\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%8c%89%e6%8f%ad%e5%a3%93%e5%8a%9b%e6%b8%ac%e8%a9%a6%e8%a6%81%e6%b1%82\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u514d\u58d3\u529b\u6e2c\u8a66<\/a><\/strong>\u7684\u5b9a\u606f\u6309\u63ed\u8a08\u5283\uff0c\u70ba\u7f6e\u696d\u4eba\u58eb\u63d0\u4f9b\u591a\u4e00\u500b\u8cb8\u6b3e\u9078\u64c7\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u5b9a\u606f\u6309\u63ed\u514d\u58d3\u529b\u6e2c\u8a66\" style=\"color:#1d3960\">\u5b9a\u606f\u6309\u63ed\u514d\u58d3\u529b\u6e2c\u8a66<\/h3>\n\n\n\n<p>\u91d1\u7ba1\u5c40\u8868\u793a\uff0c\u5b9a\u606f\u671f\u905410\u5e74\u4ee5\u4e0a\u7684\u6309\u63ed\u8a08\u5283\uff0c\u56e0\u70ba\u4f9b\u6b3e\u7a69\u5b9a\uff0c\u53ea\u8981\u6bcf\u6708\u4f9b\u6b3e\u4e0d\u8d85\u51fa\u6708\u5165\u768450% \uff0c\u7533\u8acb\u4eba\u4fbf\u7121\u9808\u901a\u904e\u58d3\u529b\u6e2c\u8a66\u3002\u63db\u8a00\u4e4b\uff0c\u7533\u8acb\u4eba\u6216\u53ef\u900f\u904e\u5b9a\u606f\u6309\u63ed\uff0c\u722d\u53d6\u5230\u66f4\u9ad8\u7684\u6309\u63ed\u6210\u6578\uff0c\u7372\u5f97\u66f4\u5927\u7b46\u8cb8\u6b3e\uff0c\u6e1b\u8f15\u9996\u671f\u958b\u652f\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p class=\"has-text-color has-background\" style=\"color:#ff8700;background-color:#f7fafb\"><a rel=\"noreferrer noopener\" data-wpel-link=\"internal\" href=\"https:\/\/www.spacious.hk\/zh-tw\/c\/%E9%A6%99%E6%B8%AF\/%E8%B2%B7%E6%A8%93?from-blog\" data-type=\"URL\" data-id=\"https:\/\/www.spacious.hk\/zh-tw\/c\/%E9%A6%99%E6%B8%AF\/%E8%B2%B7%E6%A8%93?from-blog\" target=\"_blank\"><strong>\u3010\u8cb7\u6a13\u5fc5\u8b80\u3011\u641c\u5c0b\u6240\u6709\u653e\u76e4 \u2192<\/strong><\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u5b9a\u606f\u6309\u63ed\u8a66\u9a57\u8a08\u5283\u6309\u63ed\u5229\u7387\" style=\"color:#1d3960\">\u5b9a\u606f\u6309\u63ed\u8a66\u9a57\u8a08\u5283\u6309\u63ed\u5229\u7387\uff082024\u5e749\u670826\u65e5\u8d77\uff09<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>&nbsp;\u5b9a\u606f\u671f<\/strong><\/td><td><strong>\u5e74\u5229\u7387<\/strong><\/td><\/tr><tr><td>&nbsp; &nbsp;10\u5e74<\/td><td>4.74%<\/td><\/tr><tr><td>&nbsp; &nbsp;15\u5e74<\/td><td>4.89%<\/td><\/tr><tr><td>&nbsp; &nbsp;20\u5e74<\/td><td>5.04%<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">\u8cc7\u6599\u4f86\u6e90\uff1a<a href=\"https:\/\/www.hkmc.com.hk\/chi\/our_business\/fixed_rate_mortgage_scheme.html\" target=\"_blank\" data-type=\"URL\" data-id=\"https:\/\/www.hkmc.com.hk\/chi\/our_business\/fixed_rate_mortgage_scheme.html\" rel=\"noreferrer noopener\">\u9999\u6e2f\u6309\u63ed\u8b49\u5238\u6709\u9650\u516c\u53f8<\/a><\/figcaption><\/figure>\n\n\n\n<p>\u5b9a\u606f\u671f\u6eff\u5f8c\uff0c\u501f\u6b3e\u4eba\u53ef\u9078\u64c7\u7e7c\u7e8c\u7528\u5b9a\u606f\u6309\u63ed\uff0c\u6216\u8f49\u70ba\u7528\u6d6e\u606f\u7e8c\u671f\u3002\u76ee\u524d\u7684\u6d6e\u606f\u6309\u63ed\u5229\u7387\u70baP &#8211; 2.35%\uff0c\u7531\u6309\u8b49\u516c\u53f8\u4e0d\u6642\u91d0\u5b9a\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u8f49\u70ba\u6027\u5e38\u8a08\u5283\" style=\"color:#1d3960\">\u8f49\u70ba\u6046\u5e38\u8a08\u5283<\/h3>\n\n\n\n<p>\u5b9a\u606f\u6309\u63ed\u8a66\u9a57\u8a08\u5283\u65bc 2020 \u5e74 5 \u6708 7 \u65e5\u8d77\u63a5\u53d7\u7533\u8acb\uff0c\u81f3\u540c\u5e74  10 \u6708 31 \u65e5\u622a\u6b62\uff0c\u53ca\u5f8c\u5df2\u8f49\u70ba\u6052\u5e38\u8a08\u5283\uff0c\u63d0\u4f9b\u5b9a\u6309\u7684\u9280\u884c\u5305\u62ec\u4e2d\u570b\u9280\u884c\u3001\u5275\u8208\u9280\u884c\u3001\u5927\u65b0\u9280\u884c\u3001\u4e2d\u570b\u5de5\u5546\u9280\u884c\u3001\u4e0a\u6d77\u5546\u696d\u9280\u884c\u3001\u6e23\u6253\u9280\u884c\u548c\u6771\u4e9e\u9280\u884c\u7b49\u7b49\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p>\u5728\u74b0\u7403\u7d93\u6fdf\u4e0d\u660e\u6717\u4e0b\uff0c\u9078\u7528\u5b9a\u606f\u6309\u63ed\uff0c\u5c0d\u6709\u9700\u8981\u7f6e\u696d\u4eba\u58eb\uff0c\u59cb\u7d42\u662f\u4e00\u4ef6\u597d\u4e8b\uff0c\u5c24\u5176\u672a\u4f86\u6216\u9032\u5165\u52a0\u606f\u5468\u671f\uff0c\u52a0\u4e0a\u4e0d\u5c11\u4e8c\u624b\u5c4b\u82d1\u6709\u66f4\u5927\u8b70\u50f9\u7a7a\u9593\uff0c\u5373\u4e0a\u5343\u5c45\u5c0b\u627e\u5404\u5340<a data-wpel-link=\"internal\" href=\"https:\/\/www.spacious.hk\/zh-tw\/c\/%E9%A6%99%E6%B8%AF\/%E8%B2%B7%E6%A8%93?from-blog\" target=\"_blank\" rel=\"noreferrer noopener\">\u6a13\u76e4<\/a>\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p class=\"has-text-color has-background\" style=\"color:#ff8700;background-color:#f7fafb\"> <strong><a rel=\"noreferrer noopener\" data-wpel-link=\"internal\" href=\"https:\/\/www.spacious.hk\/zh-tw\/c\/%E9%A6%99%E6%B8%AF\/%E8%B2%B7%E6%A8%93?from-blog\" data-type=\"URL\" data-id=\"https:\/\/www.spacious.hk\/zh-tw\/c\/%E9%A6%99%E6%B8%AF\/%E8%B2%B7%E6%A8%93?from-blog\" target=\"_blank\">\u3010\u8cb7\u6a13\u5fc5\u8b80\u3011\u7acb\u5373\u641c\u5c0b\u5168\u6e2f\u512a\u8cea\u653e\u76e4 \u2192<\/a><\/strong> <\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-css-opacity has-background is-style-wide\" style=\"background-color:#cccccc;color:#cccccc\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"\u5e38\u898b\u554f\u984c\" style=\"color:#1d3960\">\u5e38\u898b\u554f\u984c<\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1644206789604\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><mark style=\"color:#1d3960\" class=\"has-inline-color\">\u70ba\u4f55\u5b9a\u606f\u8a08\u5283\u7533\u8acb\u53cd\u61c9\u8f03\u51b7\u6de1\uff1f<\/mark><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>\u63a8\u51fa\u5b9a\u606f\u63ed\u8a66\u9a57\u8a08\u5283\u5f8c\uff0c\u525b\u597d\u9047\u4e0a\u7f8e\u570b\u806f\u90a6\u5132\u5099\u5c40\u5927\u5e45\u6e1b\u606f\uff0c\u91cd\u56de2008\u5e74\u91d1\u878d\u6d77\u562f\u7684\u96f6\u606f\u6c34\u5e73\uff0c\u540c\u696d\u62c6\u606f\u5373\u898b\u56de\u843d\uff0c\u62c9\u5927H\u6309\u5229\u7387\u548c\u5b9a\u606f\u6309\u63ed\u5229\u7387\u5dee\u8ddd\uff0c\u4ee4\u5b9a\u6309\u7684\u5438\u5f15\u529b\u6e1b\u9000\u3002<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1644207210823\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><mark style=\"color:#1d3960\" class=\"has-inline-color\">\u7533\u8acb\u300c\u5b9a\u606f\u6309\u63ed\u8a08\u5283\u300d\uff0c\u662f\u5426\u8a2d\u6a13\u50f9\u4e0a\u9650\uff1f<\/mark><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>\u8cfc\u8cb7\u79c1\u6a13\u9078\u7528\u5b9a\u6309\uff0c\u6bcf\u5b97\u8cb8\u6b3e\u4e0a\u9650\u70ba 1,000 \u842c\u5143\u3002\u5b9a\u606f\u671f\u5b8c\u7d50\u5f8c\uff0c\u501f\u6b3e\u4eba\u53ef\u7e7c\u7e8c\u9078\u64c7\u5b9a\u606f\u6309\u63ed\u6216\u6d6e\u606f\u6309\u63ed\u8a08\u5283\u3002<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f7fafb\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"has-text-color\" style=\"color:#1d3960\"><strong>\u5ef6\u4f38\u95b1\u8b80\uff1a\u4e0a\u8eca\u524d\u5fc5\u8b80\u653b\u7565<\/strong><\/p>\n\n\n\n<p><span style=\"color: #1d3960;\"><strong>\u3010\u8cb7\u6a13\u77e5\u8b58\u61f6\u4eba\u5305\u3011<\/strong><\/span><\/p>\n\n\n\n<p><a rel=\"noopener noreferrer\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e3%80%90%e5%85%a8%e5%9f%8e%e6%90%b6%e8%b3%bc%e6%96%b0%e6%a8%93%e3%80%91%e4%ba%86%e8%a7%a3%e8%b2%b7%e4%b8%80%e6%89%8b%e6%a8%93%e7%a8%8b%e5%ba%8f%ef%bc%9a%e4%bd%95%e8%ac%82%e3%80%8c%e5%85%a5%e7%a5%a8\/\" target=\"_blank\"><span style=\"color: #ff8700;\"><strong>\u8cb7\u65b0\u76e4\u7a0b\u5e8f<\/strong><\/span><\/a> \uff5c<span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" rel=\"noopener noreferrer\" data-wplink-edit=\"true\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e9%a6%99%e6%b8%af%e8%b3%bc%e8%b2%b7%e4%ba%8c%e6%89%8b%e6%a8%93%e7%9b%a4%e6%b3%a8%e6%84%8f%e4%ba%8b%e9%a0%85\/\" target=\"_blank\"><strong>\u8cb7\u4e8c\u624b\u6a13\u7a0b\u5e8f<\/strong><\/a><\/span>\uff5c<strong><a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/2021-%E4%B8%81%E5%B1%8B%E8%B2%B7%E8%B3%A3-%E4%B8%81%E6%AC%8A-%E5%A5%97%E4%B8%81-%E8%A3%9C%E5%9C%B0%E5%83%B9\/#%E4%B8%81%E5%B1%8B%E8%B2%B7%E8%B3%A3%E6%B3%A8%E6%84%8F%E4%BA%8B%E9%A0%85\" data-type=\"URL\" data-id=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/2021-%E4%B8%81%E5%B1%8B%E8%B2%B7%E8%B3%A3-%E4%B8%81%E6%AC%8A-%E5%A5%97%E4%B8%81-%E8%A3%9C%E5%9C%B0%E5%83%B9\/#%E4%B8%81%E5%B1%8B%E8%B2%B7%E8%B3%A3%E6%B3%A8%E6%84%8F%E4%BA%8B%E9%A0%85\"><span style=\"color:#ff8700\" class=\"has-inline-color\">\u4e01\u5c4b\u8cb7\u8ce3<\/span><\/a><\/strong><\/p>\n\n\n\n<p><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e9%a6%99%e6%b8%af%e7%89%a9%e6%a5%ad%e5%8d%b0%e8%8a%b1%e7%a8%85%e6%9c%80%e6%96%b0%e6%9c%80%e5%bc%b7%e6%87%b6%e4%ba%ba%e5%8c%85-b2b\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>\u5370\u82b1\u7a05\u8a08\u7b97<\/strong><\/a><\/span>\uff5c<span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e5%be%9e%e5%83%b9%e5%8d%b0%e8%8a%b1%e7%a8%85-avd-%e9%81%a9%e7%94%a8%e5%b0%8d%e8%b1%a1-%e7%a8%85%e7%8e%87\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u9996\u7f6e\/\u975e\u9996\u7f6e\u5370\u82b1\u7a05<\/a><\/strong><\/span>\uff5c<span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e8%b2%b7%e5%ae%b6%e5%8d%b0%e8%8a%b1%e7%a8%85-bsd-%e9%81%a9%e7%94%a8%e5%b0%8d%e8%b1%a1-%e7%a8%85%e7%8e%87\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u8cb7\u5bb6\u5370\u82b1\u7a05<\/a><\/strong><\/span>\uff5c<span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e9%a1%8d%e5%a4%96%e5%8d%b0%e8%8a%b1%e7%a8%85-ssd-%e9%81%a9%e7%94%a8%e5%b0%8d%e8%b1%a1-%e7%a8%85%e7%8e%87\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u984d\u5916\u5370\u82b1\u7a05<\/a><\/strong><\/span><\/p>\n\n\n\n<p><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e8%b2%b7%e6%a8%93%e5%be%8b%e5%b8%ab%e8%b2%bb-%e8%b2%b7%e6%a8%93%e9%96%8b%e6%94%af\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>\u8cb7\u6a13\u5f8b\u5e2b\u8cbb\uff06\u5176\u4ed6\u958b\u652f<\/strong><\/a><\/span>\uff5c<span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e7%ae%a1%e7%90%86%e8%b2%bb\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u7ba1\u7406\u8cbb\u9808\u77e5<\/a><\/strong><\/span><\/p>\n\n\n\n<p><a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e5%85%a5%e4%bc%99%e7%b4%99vs%e6%bb%bf%e6%84%8f%e7%b4%99-%e9%97%9c%e9%8d%b5%e6%97%a5%e6%9c%9fvs%e5%85%a5%e4%bc%99%e6%97%a5%e6%9c%9f\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #ff8700;\"><strong>\u6a13\u82b1\u5165\u4f19\u7d19VS\u6eff\u610f\u7d19<\/strong><\/span><\/a>\uff5c<span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e6%92%bb%e8%a8%82%e5%8e%9f%e5%9b%a0-%e9%81%bf%e5%85%8d%e6%96%b9%e6%b3%95\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u5e38\u898b\u64bb\u8a02\u539f\u56e0<\/a><\/strong><\/span>\uff5c<span style=\"color: #ff8700;\"><strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e8%b8%a2%e5%a5%91%e5%8e%9f%e5%9b%a0-%e5%b1%8b%e4%bb%94-%e6%8e%9b%e8%87%98%e9%b4%a8-%e9%ba%b5%e7%b2%89%e5%83%b9%e6%84%8f%e6%80%9d\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u4f55\u8b02\u300c\u8e22\u5951\u300d<\/a><\/span><\/strong><\/span><\/p>\n\n\n\n<p><a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e8%81%af%e5%90%8d%e7%89%a9%e6%a5%ad%e5%a6%82%e4%bd%95%e5%bd%b1%e9%9f%bf%e5%8d%b0%e8%8a%b1%e7%a8%85%e5%92%8c%e6%8c%89%e6%8f%ad\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #ff8700;\"><strong>\u806f\u540d\u7269\u696d\u597d\u5b9a\u58de<\/strong><\/span><\/a>\uff5c<a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e8%bf%91%e8%a6%aa%e8%bd%89%e8%ae%93%e6%85%b3%e7%a8%85%e5%8a%a0%e6%8c%89%e5%a5%97%e7%8f%be\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #ff8700;\"><strong>\u8fd1\u89aa\u8f49\u8b93\u5982\u4f55\u6173\u7a05<\/strong><\/span><\/a><\/p>\n\n\n\n<p><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e9%87%98%e5%a5%91%e6%a8%93-%e8%87%aa%e4%bf%9d%e6%96%b9%e6%b3%95\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>\u91d8\u5951\u6a13<\/strong><\/a><\/span>\uff5c<span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e7%84%a1%e5%a5%91%e6%a8%93%e5%a6%82%e4%bd%95%e5%bd%b1%e9%9f%bf%e6%8c%89%e6%8f%ad\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>\u7121\u5951\u6a13<\/strong><\/a><\/span>\uff5c<span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e9%8a%80%e4%b8%bb%e7%9b%a4-%e8%b3%bc%e8%b2%b7%e7%a8%8b%e5%ba%8f\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>\u9280\u4e3b\u76e4<\/strong><\/a><\/span>\uff5c<span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e8%88%8a%e6%a8%93%e6%94%b6%e8%b3%bc-%e6%8a%95%e8%b3%87%e8%88%8a%e6%a8%93%e5%a4%a7%e8%a6%81%e8%a8%a3\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u6536\u8cfc\u820a\u6a13\u6295\u8cc7\u56de\u5831<\/a><\/strong><\/span><\/p>\n\n\n\n<p><span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e9%a9%97%e6%a8%93%e6%94%bb%e7%95%a5-%e6%96%b0%e7%9b%a4%e8%88%8a%e6%a8%93%e9%a9%97%e6%a8%93%e7%a8%8b%e5%ba%8f\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u65b0\u76e4VS\u820a\u6a13\u9a57\u6a13\u7a0b\u5e8f<\/a><\/strong><\/span>\uff5c<a href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e9%a9%97%e6%a8%93%e6%94%bb%e7%95%a5-%e9%a9%97%e6%a8%93%e5%bf%85%e7%9d%87%e4%ba%94%e5%a4%a7%e7%91%95%e7%96%b5-%e5%90%ab%e8%a9%b3%e7%9b%a1%e9%a9%97%e6%a8%93%e6%b8%85%e5%96%ae\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #ff8700;\"><strong>\u4e0b\u8f09\u9a57\u6a13\u6e05\u55ae<\/strong><\/span><\/a>\uff5c<strong><span style=\"color: #ff8700;\"><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e9%a9%97%e6%a8%93%e6%94%bb%e7%95%a5-%e9%a9%97%e6%a8%93%e5%bf%85%e5%82%99%e5%85%ab%e7%a8%ae%e5%b7%a5%e5%85%b7\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u5fc5\u5099\u9a57\u6a13\u5de5\u5177<\/a><\/span><\/strong>\uff5c<span style=\"color: #ff8700;\"><strong><a style=\"color: #ff8700;\" href=\"https:\/\/www.spacious.hk\/zh-tw\/blog\/%e9%a9%97%e6%a8%93%e6%94%bb%e7%95%a5-%e5%9f%b7%e6%bc%8f%e8%aa%a4%e6%9c%9f%e5%a6%82%e4%bd%95%e7%b4%a2%e5%84%9f\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u57f7\u6f0f\u8aa4\u671f\u5982\u4f55\u7d22\u511f<\/a><\/strong><\/span><\/p>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u8cb7\u6a13\u7533\u8acb\u9280\u884c\u6309\u63ed\uff0c\u4e00\u822c\u53ef\u63c0\u7528\u5b9a\u606f\u6309\u63ed\uff0c\u6291\u6216\u662f\u6d6e\u606f\u6309\u63ed\u30022020\u5e74\u5ea6\u300a\u8ca1\u653f\u9810\u7b97\u6848\u300b\u63a8\u51fa\u4e86\u300c\u5b9a\u606f\u6309\u63ed\u8a66\u9a57\u8a08\u5283\u300d\uff0c\u9019\u500b\u8a66\u9a57\u8a08\u5283\u5230\u5e95\u5982\u4f55\u904b\u4f5c\uff1f\u5343\u5c45\u5e36\u4f60\u8a8d\u8b58\u5b9a\u606f\u6309\u63ed\uff0c\u5206\u6790\u8ca1\u723a\u65b0\u63a8\u8a08\u5283\u7684\u512a\u7f3a\u3002 \u7acb\u5373\u8df3\u5f80\uff1a\u5b9a\u606f\u6309\u63ed\u597d\u8655\uff5c\u5b9a\u606f\u6309\u63ed\u606f\u7387\uff5cHKMC \u5b9a\u606f\u6309\u63ed\u8a66\u9a57\u8a08\u5283\uff5c\u5e38\u898b\u554f\u984c \u5b9a\u606f\u6309\u63ed\u597d\u8655 \u9280\u884c\u6309\u63ed\u5927\u81f4\u52063\u7a2e\u8a08\u5283\uff0c\u7576\u4e2d\u7684\u6309\u63ed\u5229\u7387\u5404\u4e0d\u540c\uff1a \u6d6e\u606f\u6309\u63ed\u7684\u5229\u7387\u8ddf\u96a8\u9280\u884c\u540c\u696d\u62c6\u606f\u7387\uff08HIBOR\uff0c\u5373H\u6309\uff09\u6216\u6e2f\u5143\u6700\u512a\u60e0\u5229\u7387\uff08Prime Rate\uff0c\u5373P\u6309\uff09\u800c\u6ce2\u52d5\uff0c\u53ef\u5347\u53ef\u8dcc\uff0c\u6ce2\u5e45\u8f03\u5927\u3002 \u76f8\u53cd\uff0c\u5b9a\u606f\u6309\u63ed\u9396\u5b9a\u4f9b\u6b3e\u606f\u7387\uff0c\u5728\u6307\u5b9a\u671f\u9650\u5167\u606f\u53e3\u4fdd\u6301\u4e0d\u8b8a\uff0c\u6e1b\u4f4e\u9762\u5c0d\u5229\u7387\u6ce2\u52d5\u7684\u98a8\u96aa\uff0c\u8b93\u696d\u4e3b\u66f4\u5bb9\u6613\u898f\u5283\u958b\u652f\u3002\u671f\u6eff\u5f8c\uff0c\u696d\u4e3b\u53ef\u518d\u9078\u64c7\u7528H\u6309\u9084\u662fP\u6309\u3002 \u5b9a\u606f\u6309\u63ed\u606f\u7387 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