{"id":7911,"date":"2026-01-28T23:03:10","date_gmt":"2026-01-28T15:03:10","guid":{"rendered":"https:\/\/www.syfe.com\/hk\/magazine\/?p=7911"},"modified":"2026-01-12T17:52:55","modified_gmt":"2026-01-12T09:52:55","slug":"%e6%9c%80-%e5%84%aa%e6%83%a0-%e5%88%a9%e7%8e%87","status":"publish","type":"post","link":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e6%9c%80-%e5%84%aa%e6%83%a0-%e5%88%a9%e7%8e%87\/","title":{"rendered":"\u8cb7\u6a13\u9808\u77e5\uff5c\u62c6\u89e3\u6700\u512a\u60e0\u5229\u7387\u6a5f\u5236\uff1a\u7531\u5168\u6e2f\u9280\u884c\u7d71\u4e00\u8b8a\u6210\u6709\u5927P\u3001\u7d30P"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/\u6700-\u512a\u60e0-\u5229\u7387-1024x576.png\" alt=\"\" class=\"wp-image-7912\" srcset=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/\u6700-\u512a\u60e0-\u5229\u7387-1024x576.png 1024w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/\u6700-\u512a\u60e0-\u5229\u7387-300x169.png 300w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/\u6700-\u512a\u60e0-\u5229\u7387-768x432.png 768w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/\u6700-\u512a\u60e0-\u5229\u7387-1536x864.png 1536w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/\u6700-\u512a\u60e0-\u5229\u7387-747x420.png 747w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/\u6700-\u512a\u60e0-\u5229\u7387-696x392.png 696w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/\u6700-\u512a\u60e0-\u5229\u7387-1068x601.png 1068w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/\u6700-\u512a\u60e0-\u5229\u7387.png 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u9999\u6e2f\u7684\u6700\u512a\u60e0\u5229\u7387\uff08\u82f1\u6587\uff1aPrime Rate\uff09\u5e38\u88ab\u574a\u9593\u7c21\u7a31\u70ba\u300cP\u300d\uff0c\u5f71\u97ff\u6578\u4ee5\u5341\u842c\u8a08\u696d\u4e3b\u4f9b\u6a13\u58d3\u529b\u53ca\u4f01\u696d\u878d\u8cc7\u6210\u672c\u3002\u65e9\u5e74\u7684\u300c\u5229\u7387\u5354\u8b70\u300d\u4e0b\uff0c\u9999\u6e2f\u6700\u512a\u60e0\u5229\u7387\u6709\u6bb5\u9577\u6642\u9593\u5168\u6e2f\u7d71\u4e00\uff0c\u5f8c\u4f86\u6e2f\u5e9c\u9010\u6b65\u653e\u5bec\u7ba1\u5236\uff0c\u6e2f\u5143\u6700\u512a\u60e0\u5229\u7387\u65bc\u662f\u884d\u751f\u51fa\u300c\u5927P\u300d\u53ca\u300c\u7d30P\u300d\uff0c\u751a\u81f3\u300c\u4e2dP\u300d\uff0c\u672c\u6587\u8a73\u7d30\u62c6\u89e3\u6574\u500b\u9999\u6e2f\u6700\u512a\u60e0\u5229\u7387\u6a5f\u5236\u3002<\/p>\n\n\n\t\t\t\t<div class=\"wp-block-uagb-table-of-contents uagb-toc__align-left uagb-toc__columns-1  uagb-block-e9e84829      \"\n\t\t\t\t\tdata-scroll= \"1\"\n\t\t\t\t\tdata-offset= \"30\"\n\t\t\t\t\tstyle=\"\"\n\t\t\t\t>\n\t\t\t\t<div class=\"uagb-toc__wrap\">\n\t\t\t\t\t\t<div class=\"uagb-toc__title\">\n\t\t\t\t\t\t\t\u9999\u6e2f\u6700\u512a\u60e0\u5229\u7387\u5168\u63a5\u89f8\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uagb-toc__list-wrap \">\n\t\t\t\t\t\t<ol class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u6700\u512a\u60e0\u5229\u7387\u662f\u4ec0\u9ebc\u610f\u601d\" class=\"uagb-toc-link__trigger\">\u6700\u512a\u60e0\u5229\u7387\u662f\u4ec0\u9ebc\u610f\u601d\uff1f<\/a><ul class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u70ba\u4ec0\u9ebc\u7f8e\u570b\u52a0\u606f\u6e1b\u606f\u6703\u5f71\u97ff\u9999\u6e2f\u7684\u6700\u512a\u60e0\u5229\u7387\" class=\"uagb-toc-link__trigger\">\u70ba\u4ec0\u9ebc\u7f8e\u570b\u52a0\u606f\uff0f\u6e1b\u606f\u6703\u5f71\u97ff\u9999\u6e2f\u7684\u6700\u512a\u60e0\u5229\u7387\uff1f<\/a><\/li><\/ul><\/li><li class=\"uagb-toc__list\"><a href=\"#\u6e2f\u5143\u6700\u512a\u60e0\u5229\u7387\u7684\u6b77\u53f2\u6f14\u8b8a\u53ca\u8d70\u52e2\" class=\"uagb-toc-link__trigger\">\u6e2f\u5143\u6700\u512a\u60e0\u5229\u7387\u7684\u6b77\u53f2\u6f14\u8b8a\u53ca\u8d70\u52e2<\/a><li class=\"uagb-toc__list\"><a href=\"#\u6700\u512a\u60e0\u5229\u7387\u5206\u5316\u5927p\u7d30p\u53ca\u5176\u4ed6p\" class=\"uagb-toc-link__trigger\">\u6700\u512a\u60e0\u5229\u7387\u5206\u5316\uff1a\u300c\u5927P\u300d\u3001\u300c\u7d30P\u300d\u53ca\u5176\u4ed6P<\/a><ul class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u7d30p-\u6ed9\u8c50\u6052\u751f\u4e2d\u9280\u9999\u6e2f\u6700\u512a\u60e0\u5229\u7387\" class=\"uagb-toc-link__trigger\">\u7d30P &#8211; \u6ed9\u8c50\u3001\u6052\u751f\u3001\u4e2d\u9280\u9999\u6e2f\u6700\u512a\u60e0\u5229\u7387<\/a><li class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u5927p-\u4e3b\u6d41\u9999\u6e2f\u9280\u884c\u7684\u6700\u512a\u60e0\u5229\u7387\" class=\"uagb-toc-link__trigger\">\u5927P &#8211; \u4e3b\u6d41\u9999\u6e2f\u9280\u884c\u7684\u6700\u512a\u60e0\u5229\u7387<\/a><li class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u5176\u4ed6\u975e\u4e3b\u6d41\u7684\u6700\u512a\u60e0\u5229\u7387-\u5bcc\u90a6\u5efa\u9280\u4e9e\u6d32\u83ef\u50d1\u9280\u884c\" class=\"uagb-toc-link__trigger\">\u5176\u4ed6\u975e\u4e3b\u6d41\u7684\u6700\u512a\u60e0\u5229\u7387 &#8211; \u5bcc\u90a6\u3001\u5efa\u9280\u4e9e\u6d32\u3001\u83ef\u50d1\u9280\u884c<\/a><\/li><\/ul><\/li><\/ul><\/li><li class=\"uagb-toc__list\"><a href=\"#2026\u5e74\u6700\u65b019\u9593\u9999\u6e2f\u9280\u884c\u6700\u512a\u60e0\u5229\u7387\u5217\u8868\" class=\"uagb-toc-link__trigger\">2026\u5e74\u6700\u65b0\uff5c19\u9593\u9999\u6e2f\u9280\u884c\u6700\u512a\u60e0\u5229\u7387\u5217\u8868<\/a><ul class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#2026\u5e74\u6e2f\u5143\u6700\u512a\u60e0\u5229\u7387\u5c55\u671b\" class=\"uagb-toc-link__trigger\">2026\u5e74\u6e2f\u5143\u6700\u512a\u60e0\u5229\u7387\u5c55\u671b<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/li><li class=\"uagb-toc__list\"><a href=\"#\u900f\u904e\u65b0\u6642\u4ee3fintech\u5132\u9322\" class=\"uagb-toc-link__trigger\">\u900f\u904e\u65b0\u6642\u4ee3Fintech\u5132\u9322<\/a><\/ul><\/ul><\/ul><\/ol>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\n\n\n<h2 class=\"wp-block-heading\">\u6700\u512a\u60e0\u5229\u7387\u662f\u4ec0\u9ebc\u610f\u601d\uff1f<\/h2>\n\n\n\n<p>\u5728\u5b9a\u7fa9\u4e0a\uff0c\u9999\u6e2f\u7684\u6700\u512a\u60e0\u5229\u7387\u662f\u6307\u9280\u884c\u5411\u4fe1\u7528\u8a55\u7d1a\u6700\u9ad8\u5ba2\u6236\u63d0\u4f9b\u7684\u57fa\u6e96\u8cb8\u6b3e\u5229\u7387\u3002\u6709\u5225\u65bc\u9280\u884c\u540c\u696d\u62c6\u606f\uff08<a href=\"https:\/\/www.hkab.org.hk\/en\/rates\/hibor\">HIBOR<\/a>\uff09\u6bcf\u65e5\u6d6e\u52d5\uff0c\u6e2f\u5143\u6700\u512a\u60e0\u5229\u7387\u662f\u7a2e\u300c\u7ba1\u7406\u5229\u7387\u300d\uff08\u82f1\u6587\uff1aAdministered Rate\uff09\uff0c\u7531\u5404\u9593\u9280\u884c\u81ea\u884c\u6c7a\u5b9a\uff0c\u4e0d\u6703\u8ddf\u96a8\u5e02\u5834\u5fae\u5c0f\u7684\u6ce2\u52d5\u800c\u6539\u8b8a\uff0c\u53ea\u6709\u5728\u9280\u884c\u8a8d\u70ba\u8cc7\u91d1\u6210\u672c\u767c\u751f\u7d50\u69cb\u6027\u6216\u6301\u4e45\u6027\u8b8a\u5316\u6642\u624d\u6703\u4f5c\u51fa\u8abf\u6574\uff0c\u901a\u5e38\u8abf\u6574\u7684\u6642\u9593\u5728\u7f8e\u570b\u806f\u5132\u5c40\u8b70\u606f\u6703\u8b70\u5f8c\u3002<\/p>\n\n\n\n<p>\u9999\u6e2f\u7684\u6700\u512a\u60e0\u5229\u7387\u5f80\u5f80\u662f\u9280\u884c\u6c7a\u5b9a\u5176\u4ed6\u8cb8\u6b3e\u7522\u54c1\u5229\u7387\u7684\u57fa\u790e\uff0c\u5305\u62ec\u6309\u63ed\u3001\u4fe1\u7528\u8cb8\u6b3e\u548c\u5546\u696d\u8cb8\u6b3e\u7b49\u3002\u9019\u7a2e\u505a\u6cd5\u8207\u5317\u7f8e\u9280\u884c\u696d\u76f8\u4f3c\uff0c\u4f8b\u5982\u7f8e\u570b\u5546\u696d\u9280\u884c\u540c\u6a23\u8a2d\u6709\u300cPrime Rate\u300d\uff0c\u4ea6\u662f\u63d0\u4f9b\u4e88\u4fe1\u7528\u6700\u512a\u8cea\u5927\u578b\u4f01\u696d\u5ba2\u6236\u7684\u57fa\u6e96\u8cb8\u6b3e\u5229\u7387\uff0c\u4e00\u822c\u7531\u5927\u578b\u9280\u884c\u81ea\u884c\u6309\u806f\u90a6\u57fa\u91d1\u5229\u7387\u52a0\u4e00\u5b9a\u5229\u5dee\u3002<\/p>\n\n\n\n<p><strong>\u66f4\u591a\u91d1\u878d\u884c\u696d\u5c08\u9580\u540d\u8a5e\u89e3\u91cb\uff1a<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e6%bb%af%e8%84%b9-stagflation-%e6%8a%95%e8%b3%87-%e7%ad%96%e7%95%a5\/\"><strong>\u6eef\u8139<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e7%a9%a9%e5%ae%9a-%e5%b9%a3\/\"><strong>\u7a69\u5b9a\u5e63<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e9%a6%99%e6%b8%af-%e8%97%8d%e7%b1%8c%e8%82%a1-%e5%90%8d%e5%96%ae\/\"><strong>\u85cd\u7c4c\u80a1<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%E6%B0%B8%E7%BA%8C-%E5%82%B5%E5%88%B8-perpetual-bond\/\"><strong>\u6c38\u7e8c\u50b5\u5238<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%b7%a8%e7%81%bd%e5%82%b5%e5%88%b8-%e6%98%af%e4%bb%80%e9%ba%bc-%e9%a6%99%e6%b8%af-%e5%9f%ba%e9%87%91-%e5%8e%9f%e7%90%86-%e4%bf%9d%e9%9a%aa%e7%9b%b8%e9%80%a3-%e8%8b%b1%e6%96%87\/\"><strong>\u5de8\u707d\u50b5\u5238<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%a6%82%e4%bd%95%e9%80%8f%e9%81%8e%e6%88%90%e6%9c%ac%e5%b9%b3%e5%9d%87%e6%b3%95%e7%a9%8d%e7%b4%af%e9%95%b7%e6%9c%9f%e8%b2%a1%e5%af%8c\/\"><strong>\u5e73\u5747\u6210\u672c\u6cd5<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e9%87%91%e8%9e%8d%e5%85%a5%e9%96%80%ef%bd%9c%e7%a7%81%e5%8b%9f%e5%9f%ba%e9%87%91%e8%88%87%e7%a7%81%e5%8b%9f%e8%82%a1%e6%ac%8a%e5%9f%ba%e9%87%91%e6%9c%89%e4%bd%95%e5%88%a5%ef%bc%9f\/\"><strong>\u79c1\u52df\u57fa\u91d1<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e8%b2%a8%e5%b9%a3-%e5%b8%82%e5%a0%b4-%e5%9f%ba%e9%87%91-%e9%a2%a8%e9%9a%aa-%e6%8e%a8%e8%96%a6-money-market-fund-%e4%b8%ad%e6%96%87\/\"><strong>\u8ca8\u5e63\u57fa\u91d1<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e9%a6%99%e6%b8%af-%e9%80%80%e4%bc%91-%e9%95%b7%e5%a3%bd-%e9%a2%a8%e9%9a%aa-%e9%a6%99%e6%b8%af-%e8%8b%b1%e6%96%87-longevity-risk\/\"><strong>\u9577\u58fd\u98a8\u96aa<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/?p=7052\"><strong>\u99ac\u592a\u6548\u61c9<\/strong><\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u70ba\u4ec0\u9ebc\u7f8e\u570b\u52a0\u606f\uff0f\u6e1b\u606f\u6703\u5f71\u97ff\u9999\u6e2f\u7684\u6700\u512a\u60e0\u5229\u7387\uff1f<\/h3>\n\n\n\n<p>\u5728<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e6%b8%af%e5%85%83-%e7%be%8e%e5%85%83-%e8%84%ab-%e5%8b%be-%e5%be%8c%e6%9e%9c\/\">\u806f\u7e6b\u532f\u7387<\/a>\u5236\u5ea6\u4e0b\uff0c\u9999\u6e2f\u6c92\u6709\u7368\u7acb\u7684\u4e2d\u592e\u9280\u884c\u4f86\u96a8\u610f\u8a2d\u5b9a\u5229\u7387\u3002\u5229\u7387\u8abf\u6574\u4e3b\u8981\u901a\u904e\u300c\u5229\u7387\u5957\u6225\u300d\uff08Interest Rate Arbitrage\uff09\u6a5f\u5236\u81ea\u52d5\u767c\u751f\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u8cc7\u91d1\u6d41\u5411\uff1a\u7576\u7f8e\u806f\u5132\u52a0\u606f\uff0c\u82e5\u6e2f\u5143\u5229\u7387\u4e0d\u8ddf\u96a8\uff0c\u8cc7\u91d1\u4fbf\u6703\u6d41\u51fa\u6e2f\u5143\u8f49\u6295\u7f8e\u5143\uff0c\u5c0e\u81f4\u6e2f\u5143\u532f\u7387\u8f49\u5f31\u3002<\/li>\n\n\n\n<li>\u64cd\u4f5c\u76ee\u6a19\uff1a\u7576\u6e2f\u5143\u89f8\u53ca\u5f31\u65b9\u514c\u63db\u4fdd\u8b49\uff087.85\uff09\uff0c\u91d1\u7ba1\u5c40\u6703\u8cb7\u5165\u6e2f\u5143\u3001\u8ce3\u51fa\u7f8e\u5143\uff0c\u5c0e\u81f4\u9280\u884c\u9ad4\u7cfb\u7e3d\u7d50\u9918\uff08Aggregate Balance\uff09\u6536\u7e2e\u3002<\/li>\n\n\n\n<li>\u5229\u7387\u4e0a\u5347\uff1a\u7e3d\u7d50\u9918\u6536\u7e2e\u6703\u62bd\u7dca\u9280\u884c\u9593\u7684\u6d41\u52d5\u6027\uff0c\u63a8\u9ad8HIBOR\u3002<\/li>\n\n\n\n<li>\u50b3\u5c0e\u81f3P\uff1a\u7576HIBOR\u6301\u7e8c\u9ad8\u4f01\uff0c\u9280\u884c\u7684\u8cc7\u91d1\u6210\u672c\u4e0a\u5347\uff0c\u58d3\u7e2e\u6de8\u606f\u5dee\uff08NIM\uff09\uff0c\u9280\u884c\u6700\u7d42\u4e0d\u5f97\u4e0d\u4e0a\u8abf\u6700\u512a\u60e0\u5229\u7387\uff08P\uff09\u4ee5\u8f49\u5ac1\u6210\u672c\u3002<\/li>\n<\/ol>\n\n\n\n<p>\u4ee5\u4e0a\u6a5f\u5236\u4ea6\u89e3\u91cb\u70ba\u4ec0\u9ebc\u9999\u6e2f\u7684\u52a0\u606f\u5468\u671f\u5f80\u5f80\u6eef\u5f8c\u65bc\u7f8e\u570b\u3002\u56e0\u70ba\u9280\u884c\u9ad4\u7cfb\u5167\u82e5\u5b58\u6709\u5145\u88d5\u7684\u6d41\u52d5\u6027\uff08\u9f90\u5927\u7684\u7e3d\u7d50\u9918\uff09\uff0cHIBOR\u53ef\u80fd\u4e0d\u6703\u7acb\u5373\u8ddf\u96a8\u7f8e\u606f\u4e0a\u5347\uff0c\u5f9e\u800c\u5ef6\u9072\u4e86\u6700\u512a\u60e0\u5229\u7387\u7684\u4e0a\u8abf\u6642\u9593\u3002\u53cd\u4e4b\u4ea6\u7136\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6e2f\u5143\u6700\u512a\u60e0\u5229\u7387\u7684\u6b77\u53f2\u6f14\u8b8a\u53ca\u8d70\u52e2<\/h2>\n\n\n\n<p>\u572820\u4e16\u7d00<a href=\"https:\/\/elischolar.library.yale.edu\/cgi\/viewcontent.cgi?article=14427&amp;context=ypfs-documents\">\u516d\u5341\u5e74\u4ee3<\/a>\uff0c\u9999\u6e2f\u5c0f\u578b\u9280\u884c\u70ba\u722d\u596a\u6709\u9650\u5b58\u6b3e\u8cc7\u91d1\u4ee5\u652f\u6490\u653e\u8cb8\u64f4\u5f35\uff0c\u5c55\u958b\u4e86\u6fc0\u70c8\u7684\u300c\u5229\u7387\u6230\u722d\u300d\uff1a\u4e0d\u65b7\u63d0\u9ad8\u5b9a\u671f\u5b58\u6b3e\u5229\u7387\uff0c\u4e26\u5c07\u8cc7\u91d1\u6295\u5411\u9ad8\u98a8\u96aa\u7684\u623f\u5730\u7522\u9805\u76ee\u6216\u80a1\u5e02\uff0c\u4ee5\u535a\u53d6\u66f4\u9ad8\u7684\u56de\u5831\u4f86\u652f\u4ed8\u5229\u606f\uff0c\u800c\u9019\u7a2e\u8106\u5f31\u7684\u5546\u696d\u6a21\u5f0f\u6700\u7d42\u5f15\u767c\u9280\u884c\u5371\u6a5f\u53ca\u63a5\u4e8c\u9023\u4e09\u7684\u64e0\u63d0\u4e8b\u4ef6\u3002<\/p>\n\n\n\n<p>\u64e0\u63d0\u904e\u5f8c\uff0c\u9999\u6e2f\u9280\u884c\u696d\u70ba\u4e86\u9632\u6b62\u60e1\u6027\u7af6\u722d\u91cd\u6f14\uff0c\u5236\u5b9a\u4e26\u5be6\u65bd\u300a\u5229\u7387\u898f\u5247\u300b\uff08Interest Rate Agreement, IRA\uff09\uff0c\u898f\u5b9a\u4e86\u5404\u985e\u9280\u884c\u5c0d\u4e0d\u540c\u5e74\u671f\u5b58\u6b3e\u6240\u80fd\u63d0\u4f9b\u7684\u6700\u9ad8\u5229\u7387\u4e0a\u9650\u3002\u7531\u65bc\u8cc7\u91d1\u6210\u672c\uff08\u5b58\u6b3e\u5229\u606f\uff09\u88ab\u9396\u5b9a\uff0c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e7%99%bc-%e9%88%94-%e9%8a%80%e8%a1%8c\/\">\u767c\u9214\u9280\u884c<\/a>\u4fbf\u80fd\u5236\u5b9a\u4e00\u500b\u7d71\u4e00\u7684\u300c\u6700\u4f73\u501f\u8cb8\u5229\u7387\u300d\uff0c\u800c\u5176\u4ed6\u9280\u884c\u70ba\u4fdd\u6301\u7af6\u722d\u529b\u53ca\u5229\u6f64\u7a7a\u9593\uff0c\u4ea6\u7d1b\u7d1b\u8ddf\u96a8\uff0c\u78ba\u7acb\u9999\u6e2f\u9280\u884c\u696d\u7d71\u4e00\u7684\u6700\u512a\u60e0\u5229\u7387\u3002<\/p>\n\n\n\n<p>\u57281981\u5e7410\u6708\uff0c\u53d7\u7f8e\u570b\u5c07\u806f\u90a6\u57fa\u91d1\u5229\u7387\u63a8\u9ad8\u81f320%\u53ca\u9999\u6e2f\u524d\u9014\u8ac7\u5224\u5f15\u767c\u7684\u8ca8\u5e63\u8cb6\u503c\u96d9\u91cd\u593e\u64ca\u4e0b\uff0c\u9999\u6e2f\u9280\u884c\u516c\u6703\u5c07\u6700\u512a\u60e0\u8cb8\u6b3e\u5229\u7387\u63d0\u9ad8\u81f320\u5398\uff0c\u5275\u51fa\u6b77\u53f2\u9ad8\u4f4d\u3002\u7531\u65bc\u7576\u6642\u6309\u63ed\u5229\u7387\u901a\u5e38\u70ba\u300cP + 1%\u300d\u6216\u66f4\u9ad8\uff0c\u4ee4\u696d\u4e3b\u9762\u81e8\u8d85\u904e21%\u7684\u5be6\u969b\u6309\u63ed\u5229\u7387\uff0c<a href=\"https:\/\/www.hkma.gov.hk\/media\/eng\/publication-and-research\/quarterly-bulletin\/qb200208\/fa1.pdf\">\u5c0e\u81f4<\/a>\u5927\u91cf\u696d\u4e3b\u65b7\u4f9b\u7269\u696d\u3001\u6a13\u50f9\u66b4\u8dcc\uff0c\u4e26<a href=\"https:\/\/www.bis.org\/publ\/plcy06d.pdf\">\u627c\u6bba<\/a>\u5546\u696d\u6295\u8cc7\u610f\u6b32\uff0c\u9999\u6e2f\u7d93\u6fdf\u9677\u5165\u589e\u9577\u505c\u6eef\uff0c\u76f4\u81f31983\u5e7410\u670817\u65e5\u9999\u6e2f\u653f\u5e9c\u5ba3\u5e03\u653e\u68c4\u6d6e\u52d5\u532f\u7387\u3001\u5be6\u65bd\u806f\u7e6b\u532f\u7387\u5236\u5ea6\u5f8c\u60c5\u6cc1\u624d\u6709\u6240\u597d\u8f49\u3002<\/p>\n\n\n\n<p>1994\u5e74<a href=\"https:\/\/www.consumer.org.hk\/\">\u6d88\u8cbb\u8005\u59d4\u54e1\u6703<\/a>\u767c\u8868\u5831\u544a\u6279\u8a55<a href=\"https:\/\/www.hkab.org.hk\/tc\/home\">\u9280\u884c\u516c\u6703<\/a>\u7684\u5229\u7387\u5354\u8b70\u525d\u524a\u5b58\u6236\u5229\u76ca\uff0c\u5c0e\u81f4\u9999\u6e2f\u5b58\u8cb8\u606f\u5dee\u904e\u95ca\uff0c\u4e26\u5efa\u8b70\u9010\u6b65\u64a4\u92b7\u5229\u7387\u7ba1\u5236\uff0c\u800c<a href=\"https:\/\/www.hkma.gov.hk\/chi\/\">\u91d1\u7ba1\u5c40<\/a><a href=\"https:\/\/www.hkma.gov.hk\/chi\/news-and-media\/insight\/2000\/07\/20000713\/\">\u63a5\u7d0d<\/a>\u76f8\u95dc\u63d0\u8b70\uff0c\u4e26\u5f9e1995\u5e74\u958b\u59cb\uff0c\u63a1\u53d6\u5faa\u5e8f\u6f38\u9032\u7684\u5be9\u614e\u65b9\u5f0f\uff0c\u9010\u6b65\u64a4\u92b7\u6709\u95dc\u7ba1\u5236\uff0c\u800c\u9999\u6e2f\u9280\u884c\u4ea6\u5f9e\u6b64\u958b\u59cb\u9762\u5c0d\u771f\u5be6\u7684\u8cc7\u91d1\u6210\u672c\u7af6\u722d\uff0c\u70ba\u65e5\u5f8c\u6700\u512a\u60e0\u5229\u7387\u7684\u5206\u5316\u57cb\u4e0b\u4e86\u4f0f\u7b46\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6700\u512a\u60e0\u5229\u7387\u5206\u5316\uff1a\u300c\u5927P\u300d\u3001\u300c\u7d30P\u300d\u53ca\u5176\u4ed6P<\/h2>\n\n\n\n<p>\u7531\u65bc\u8cc7\u91d1\u6210\u672c\u4e0d\u540c\uff0c\u9280\u884c\u4e0d\u518d\u7d71\u4e00\u4f7f\u7528\u540c\u4e00\u500b\u6700\u512a\u60e0\u5229\u7387\uff0c\u5728\u5343\u79a7\u5e74\u4ee3\u5206\u88c2\u70ba\u300c\u5927P\u300d\u3001\u300c\u7d30P\u300d\u5169\u500b\u9663\u71df\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u7d30P &#8211; \u6ed9\u8c50\u3001\u6052\u751f\u3001\u4e2d\u9280\u9999\u6e2f\u6700\u512a\u60e0\u5229\u7387<\/h3>\n\n\n\n<p>\u672c\u6e2f\u9f8d\u982d\u9280\u884c\u7684<a href=\"https:\/\/www.hsbc.com.hk\/zh-hk\/\">\u6ed9\u8c50<\/a>(<a href=\"https:\/\/www.hsbc.com\">HSBC<\/a>)\u3001<a href=\"https:\/\/www.bochk.com\/tc\/home.html\">\u4e2d\u9280\u9999\u6e2f<\/a>\u548c<a href=\"https:\/\/www.hangseng.com\/zh-hk\/home\/\">\u6052\u751f\u9280\u884c<\/a>\u4e00\u76f4\u5728\u5e02\u5834\u4e0a\u63d0\u4f9b\u6700\u5177\u7af6\u722d\u529b\u7684\u6700\u512a\u60e0\u5229\u7387\u3002\u7531\u65bc\u5229\u7387\u8f03\u4f4e\uff0c\u6240\u4ee5\u53c8\u7a31\u70ba\u300c\u7d30P\u300d\uff0c\u76ee\u524d\u70ba5\u5398\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5927P &#8211; \u4e3b\u6d41\u9999\u6e2f\u9280\u884c\u7684\u6700\u512a\u60e0\u5229\u7387<\/h3>\n\n\n\n<p>\u5728\u6ed9\u8c50\u3001\u6052\u751f\u3001\u4e2d\u9280\u9999\u6e2f\u4ee5\u5916\u7684\u9999\u6e2f\u4e3b\u6d41\u9280\u884c\u7684\u6700\u512a\u60e0\u5229\u7387\u5247\u666e\u904d\u5229\u7387\u7565\u9ad825\u9ede\u5b50\uff0c\u6545\u7a31\u70ba\u300c\u5927P\u300d\uff0c\u76ee\u524d\u70ba5.25\u5398\uff0c\u4f8b\u5982<a href=\"https:\/\/www.sc.com\/hk\/zh\/\">\u6e23\u6253\u9280\u884c<\/a>\u3001<a href=\"https:\/\/www.hkbea.com\/hk\/index_tc.htm\">\u6771\u4e9e\u9280\u884c<\/a>\u3001<a href=\"https:\/\/www.icbcasia.com\/\">\u5de5\u9280\u4e9e\u6d32<\/a>\u3001<a href=\"https:\/\/www.publicbank.com.hk\/tc\/\">\u5927\u773e\u9280\u884c<\/a>\u7b49\u76ee\u524d\u90fd\u5728\u6b64\u6c34\u5e73\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5176\u4ed6\u975e\u4e3b\u6d41\u7684\u6700\u512a\u60e0\u5229\u7387 &#8211; \u5bcc\u90a6\u3001\u5efa\u9280\u4e9e\u6d32\u3001\u83ef\u50d1\u9280\u884c<\/h3>\n\n\n\n<p>\u81ea<a href=\"https:\/\/www.hk01.com\/article\/240709?utm_source=01articlecopy&amp;utm_medium=referral\">2018<\/a>\u5e74\u7f8e\u570b\u52a0\u606f\u958b\u59cb\uff0c\u9999\u6e2f\u9280\u884c\u7684\u6700\u512a\u60e0\u5229\u7387\u518d\u9032\u4e00\u6b65\u5206\u5316\uff0c\u500b\u5225\u9280\u884c\u5728\u300c\u5927P\u300d\u53ca\u300c\u7d30P\u300d\u4ee5\u5916\u884d\u751f\u51fa\u5176\u4ed6\u6700\u512a\u60e0\u5229\u7387\u3002\u76ee\u524d<a href=\"https:\/\/www.fubonbank.com.hk\/\">\u5bcc\u90a6\u9999\u6e2f<\/a>\u53ca<a href=\"https:\/\/cccf3.asia.ccb.com\/tran\/WCCMainPlatV5?CCB_IBSVersion=V5&amp;SERVLET_NAME=WCCMainPlatV5&amp;TXCODE=HWLL01&amp;PT_LANGUAGE=B5\">\u5efa\u9280\u4e9e\u6d32<\/a>\u7684\u6e2f\u5143\u6700\u512a\u60e0\u5229\u73875.375\u5398\uff0c\u800c<a href=\"https:\/\/www.ocbc.com.hk\/whb\/action\/rate\/whbRate.do?id=prime_lending_rate&amp;locale=zh-hk\">\u83ef\u50d1\u9280\u884c\u6700\u512a\u60e0\u5229\u7387<\/a>\u5247\u70ba5.5\u5398\uff0c\u5206\u5225\u8f03\u300c\u7d30P\u300d\u9ad8\u51fa37.5\u9ede\u5b50\u81f350\u9ede\u5b50\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2026\u5e74\u6700\u65b0\uff5c19\u9593\u9999\u6e2f\u9280\u884c\u6700\u512a\u60e0\u5229\u7387\u5217\u8868<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>\u5229\u7387\u985e\u5225<\/td><td>\u76ee\u524d\u6e2f\u5143\u6700\u512a\u60e0\u5229\u7387(Prime Rate)<\/td><td>\u9280\u884c\u540d\u7a31<\/td><\/tr><tr><td>\u7d30P<\/td><td>5.00%<\/td><td>\u6ed9\u8c50\u9280\u884c (HSBC)<br>\u4e2d\u9280\u9999\u6e2f (BOCHK)<br>\u6052\u751f\u9280\u884c (Hang Seng Bank)<\/td><\/tr><tr><td>\u5927P<\/td><td>5.25\uff05<\/td><td>\u6e23\u6253\u9280\u884c (Standard Chartered)<br>\u6771\u4e9e\u9280\u884c (BEA)<br>\u5de5\u9280\u4e9e\u6d32 (ICBC Asia)<br>\u4ea4\u901a\u9280\u884c (Bank of Communications)<br>\u5927\u65b0\u9280\u884c (Dah Sing Bank)<br>\u5357\u6d0b\u5546\u696d\u9280\u884c (NCB)<br>\u62db\u5546\u6c38\u9686\u9280\u884c (CMB Wing Lung Bank)<br><a href=\"https:\/\/www.cncbinternational.com\/rate-table\/init_rate_tc.html\">\u4fe1\u9280\u570b\u969b (CNCBI)<\/a><br>\u5275\u8208\u9280\u884c (Chong Hing Bank)<br>\u96c6\u53cb\u9280\u884c (Chiyu Banking Corp)<br>\u5927\u773e\u9280\u884c (Public Bank)<br><a href=\"https:\/\/www1.citibank.com.hk\/chinese\/loans\/mortgages\/mortgage-plan\/prime-based-mortgage\">\u82b1\u65d7\u9280\u884c (Citibank)<\/a><br><a href=\"https:\/\/www.shacombank.com.hk\/tch\/rate\/loans-overdraft-rate.jsp\">\u4e0a\u6d77\u5546\u696d\u9280\u884c (Shanghai Commercial Bank)<\/a><\/td><\/tr><tr><td>\u5176\u4ed6P<\/td><td>5.375\uff05<\/td><td>\u5efa\u884c\u4e9e\u6d32 (CCB Asia)<br>\u5bcc\u90a6\u9280\u884c (Fubon Bank)<\/td><\/tr><tr><td>\u5176\u4ed6P<\/td><td>5.5\uff05<\/td><td>\u83ef\u50d1\u9280\u884c (OCBC Hong Kong)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u5982\u4eca\u5e02\u5834\u4e0a\u540c\u6642\u5b58\u5728\u300c\u5927P\u300d\u3001\u300c\u7d30P\u300d\u53ca\u5176\u4ed6P\u7b49\u591a\u500b\u6e2f\u5143\u6700\u512a\u60e0\u5229\u7387\u662f\u88ab\u9999\u6e2f\u91d1\u7ba1\u5c40\u5bb9\u8a31\u3002\u6642\u4efb\u91d1\u7ba1\u5c40\u884c\u653f\u7e3d\u88c1\u4efb\u5fd7\u525b\u66fe\u7d93\u57282005\u5e74\u5e95\u64b0\u6587<a href=\"https:\/\/www.hkma.gov.hk\/chi\/news-and-media\/insight\/2005\/12\/20051208\/\">\u6307<\/a>\u64a4\u92b7\u5229\u7387\u7ba1\u5236\u5c0d\u4f7f\u5b58\u6236\u53ca\u501f\u6b3e\u4eba\u90fd\u6709\u91cd\u5927\u5f97\u76ca\uff0c\u4f8b\u5982\u6309\u63ed\u8cb8\u6b3e\u5229\u7387\u5f9e\u6700\u512a\u60e0\u5229\u7387\u52a01.5\u5398\uff08P+1.5%\uff09\u4e0b\u8dcc\u81f3\u6700\u512a\u60e0\u5229\u7387\u6e1b2.5\u5398\uff08P-2.5%\uff09\uff0c\u8dcc\u5e45\u90544\u500b\u767e\u5206\u9ede\uff0c\u610f\u5473\u5728\u5343\u79a7\u5e74\u501f\u6b3e\u4eba\u5be6\u969b\u652f\u4ed8\u7684\u5229\u7387\u9060\u4f4e\u65bc\u9280\u884c\u6a19\u699c\u7684\u300c\u6700\u512a\u60e0\u300d\u5229\u7387\u3002<\/p>\n\n\n\n<p><strong>\u9999\u6e2f\u5b9a\u671f\u5b58\u6b3e\u5229\u7387\u8cc7\u8a0a\uff1a<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e9%a6%99%e6%b8%af-%e9%8a%80%e8%a1%8c-%e9%ab%98%e6%81%af-%e6%b8%af%e5%85%83-%e6%b4%bb%e6%9c%9f-%e5%84%b2%e8%93%84-%e5%ad%98%e6%ac%be-%e5%88%a9%e6%81%af-%e6%af%94%e8%bc%83\/\"><strong>\u9999\u6e2f\u9ad8\u606f\u5132\u755c\u6236\u53e3\u6bd4\u8f03<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%E5%AE%9A%E6%9C%9F-%E5%AD%98%E6%AC%BE-%E6%96%B0%E8%B3%87%E9%87%91-%E5%93%AA-%E9%96%93-%E9%8A%80%E8%A1%8C-%E5%AE%9A-%E5%AD%98-%E5%88%A9%E6%81%AF-%E9%AB%98-%E6%BB%99%E8%B1%90-%E4%B8%AD%E9%8A%80\/\"><strong>\u6e2f\u5143\u65b0\u8cc7\u91d1\u5b9a\u5b58\u5229\u606f\u6bd4\u8f03<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/usd-time-deposit\/\"><strong>\u9999\u6e2f\u7f8e\u5143\u5b9a\u5b58\u6bd4\u8f03<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/2025%e5%b9%b46%e6%9c%88%ef%bc%9a%e9%a6%99%e6%b8%af%e4%ba%ba%e6%b0%91%e5%b9%a3%e5%ae%9a%e6%9c%9f%e5%ad%98%e6%ac%be%e6%9c%80%e9%ab%98%e5%88%a9%e7%8e%87%e4%b8%80%e8%a6%bd-%e6%b8%af%e5%85%83%e5%ae%9a\/\"><strong>\u9999\u6e2f\u4eba\u6c11\u5e63\u5b9a\u671f\u5b58\u6b3e<\/strong><\/a><strong>\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/best-usd-time-deposit-rate-hong-kong\/\"><strong>USD Fixed Deposit Rates<\/strong><\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2026\u5e74\u6e2f\u5143\u6700\u512a\u60e0\u5229\u7387\u5c55\u671b<\/h3>\n\n\n\n<p>\u76ee\u524d\u672c\u5730\u5c08\u5bb6\u666e\u904d\u9810\u671f2026\u5e74\u6e2f\u5143\u6700\u512a\u60e0\u5229\u7387\u5927\u81f4\u7dad\u6301\u5728\u76ee\u524d\u7d045\u5398\u6c34\u5e73\uff0c\u4e0a\u843d\u7a7a\u9593\u4e0d\u5927\uff0c<a href=\"https:\/\/hk.finance.yahoo.com\/news\/%E6%B8%AF%E6%A8%93-%E4%B8%AD%E5%8E%9F%E6%8C%89%E6%8F%AD%E7%8E%8B%E7%BE%8E%E9%B3%B3%E6%96%99%E6%98%8E%E5%B9%B4%E4%B8%8A%E5%8D%8A%E5%B9%B4%E6%8C%89%E6%81%AF%E8%99%95%E5%B0%81%E9%A0%82%E7%B6%AD%E6%8C%813-25-%E4%B8%AD%E6%80%A7%E5%81%8F%E4%BD%8E%E6%B0%B4%E5%B9%B3-043543748.html\">\u56e0\u70ba<\/a>\u904e\u53bb\u4e00\u5e74\u9999\u6e2f\u4e3b\u8981\u9280\u884c\u7d2f\u8a08\u5c07\u6700\u512a\u60e0\u5229\u7387\u4e0b\u8abf\u7d040.875\u5398\uff0c\u5df2\u5927\u81f4\u62b5\u6d88\u4e0a\u4e00\u8f2a\u52a0\u606f\u5468\u671f\u7684\u52a0\u5e45\uff0cP\u606f\u6c34\u5e73\u56de\u5230\u52a0\u606f\u524d\u7d045\u5398\u7684\u300c\u76f8\u5c0d\u4f4e\u4f4d\u300d\u3002<\/p>\n\n\n\n<p>\u540c\u6642\u73fe\u6642\u7684\u9280\u884c\u6d3b\u671f\u5b58\u6b3e\u5229\u7387\u5df2\u63a5\u8fd1\u96f6\uff0c\u5373\u4f7f\u7f8e\u570b\u57282026\u5e74\u6709\u9032\u4e00\u6b65\u6e1b\u606f\uff0c\u9280\u884c\u518d\u4e0b\u8abf\u6e2f\u5143\u6700\u512a\u60e0\u5229\u7387\u7684\u5546\u696d\u8a98\u56e0\u6709\u9650\u3002<\/p>\n\n\n\n<p><strong>\u66f4\u591a\u7f6e\u696d\u76f8\u95dc\u8cc7\u8a0a\uff5c<\/strong><a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%E9%A6%99%E6%B8%AF-%E9%8A%80%E8%A1%8C-%E9%AB%98%E6%81%AF-%E6%B8%AF%E5%85%83-%E6%B4%BB%E6%9C%9F-%E5%84%B2%E8%93%84-%E5%AD%98%E6%AC%BE-%E5%88%A9%E6%81%AF-%E6%AF%94%E8%BC%83\/\"><strong>\u9280\u884c\u9ad8\u606f\u6236\u53e3-Mortgage Link<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u900f\u904e\u65b0\u6642\u4ee3Fintech\u5132\u9322<\/h2>\n\n\n\n<p>\u8fd1\u5e74\u667a\u80fd\u6295\u8cc7\u5e73\u53f0\u8208\u8d77\uff0c\u900f\u904e\u6578\u4f4d\u670d\u52d9\u985b\u8986\u91d1\u878d\u754c\u3002<a href=\"https:\/\/www.syfe.com\/hk\">Syfe<\/a>\u63a8\u51fa\u7684<a href=\"https:\/\/www.syfe.com\/hk\/cash-plus-fixed\">\u5b9a\u606f\u5bf6<\/a>\uff0c\u4ee5\u6e2f\u5143\u7d50\u7b97\uff0c\u6240\u6295\u8cc7\u7684\u76f8\u95dc\u8cc7\u7522\u70ba\u5b9a\u671f\u5b58\u6b3e\uff0c\u606f\u7387\u8207\u5b9a\u5b58\u4e00\u6a23\u5c6c\u56fa\u5b9a\u6027\u8cea\uff0c\u4e26\u4e14\u6c92\u6709\u7ba1\u7406\u8cbb\uff0c\u8a2d\u67091\u500b\u6708\u30013\u500b\u6708\u30016\u500b\u6708\u671f\u53ca12\u500b\u6708\u671f\u9078\u64c7\uff0c\u5206\u5225\u70ba2.8\u5398\u30012.8\u5398\u30012.9\u5398\u53ca2.85\u5398<a href=\"https:\/\/www.syfe.com\/hk\/cash-plus-fixed\">\u56fa\u5b9a\u6536\u76ca\u7387<\/a>\uff0c\u8f03\u4e00\u822c\u5b9a\u5b58\u70ba\u9ad8\uff1b\u66f4\u91cd\u8981\u7684\u662f\uff0c\u5b9a\u606f\u5bf6\u4e0d\u8a2d\u6700\u4f4e\u6295\u8cc7\u984d\uff0c\u9664\u4e86\u9069\u5408\u8f03\u5c0f\u984d\u6295\u8cc7\u8005\u5916\uff0c\u4ea6\u9069\u5408\u6240\u6709\u4eba\u58eb\u914d\u7f6e\u9591\u7f6e\u8cc7\u91d1\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/image.png\" alt=\"\" class=\"wp-image-7903\" srcset=\"https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/image.png 1024w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/image-300x169.png 300w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/image-768x432.png 768w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/image-747x420.png 747w, https:\/\/www.syfe.com\/hk\/magazine\/wp-content\/uploads\/2026\/01\/image-696x392.png 696w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.syfe.com\/hk\/create-account\">\u7acb\u5373\u514c\u63db<\/a><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4f7f\u7528\u6307\u5b9a\u514c\u63db\u78bc\u958b\u6236\u3002<\/li>\n\n\n\n<li>\u5982\u6295\u5165\u9996\u7b46\u6b3e\u9805 HK$10,000 \u65bc\u4efb\u4f55\u6295\u8cc7\u7d44\u5408\uff0cHK$200 \u734e\u52f5\u5c07\u6703\u5b58\u5165\u4f60\u7684\u76f8\u95dc\u7d44\u5408\u3002\u9808\u7dad\u6301 90 \u65e5 HK$10,000 \u6216\u4ee5\u4e0a\u7684\u73fe\u91d1\u6d41\u65bc\u4f60\u7684\u76f8\u95dc\u7d44\u5408\u3002<\/li>\n\n\n\n<li>\u5982\u6295\u5165\u9996\u7b46\u6b3e\u9805 HK$50,000\uff0cHK$500 \u734e\u52f5\u5c07\u6703\u5b58\u5165\u4f60\u7684\u76f8\u95dc\u7d44\u5408\u3002\u9808\u7dad\u6301 90 \u65e5 HK$50,000 \u6216\u4ee5\u4e0a\u7684\u73fe\u91d1\u6d41\u65bc\u4f60\u7684\u76f8\u95dc\u7d44\u5408\u3002<\/li>\n\n\n\n<li>\u5982\u6295\u5165\u9996\u7b46\u6b3e\u9805 HK$100,000\uff0cHK$1,000 \u734e\u52f5\u5c07\u6703\u5b58\u5165\u4f60\u7684\u76f8\u95dc\u7d44\u5408\u3002\u9808\u7dad\u6301 90 \u65e5 HK$100,000 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href=\"https:\/\/help.hk.syfe.com\/hc\/zh-hk\/categories\/29611242043673-Syfe-%E5%AE%9A%E6%81%AF%E5%AF%B6-%E6%B8%AF%E5%85%83\">\u4f60\u53ef\u4ee5\u6309\u6b64\u4e86\u89e3\u66f4\u591a\u5b9a\u606f\u5bf6\u5e38\u898b\u554f\u984c\u3002<\/a><\/p>\n\n\n\n<p>*\u8a08\u7b97\u6a5f\u8aaa\u660e\u5982\u679c\u5b9a\u606f\u5bf6\u5728\u5de5\u4f5c\u65e5\u5230\u671f\uff0c\u4f60\u5c07\u6309\u73fe\u884c\u6536\u76ca\u7387\u7372\u5f97\u7684\u56fa\u5b9a\u6536\u76ca\u3002\u5982\u679c\u4e0d\u662f\u9019\u6a23\uff0c\u5b9a\u606f\u5bf6\u6295\u8cc7\u5c07\u5728\u4e0b\u4e00\u500b\u5de5\u4f5c\u65e5\u7d50\u675f\uff0c\u800c\u4f60\u5c07\u6309\u6bd4\u4f8b\u7372\u5f97\u984d\u5916\u65e5\u6578\u7684\u6536\u76ca\u3002<\/p>\n\n\n\n<p><sub>\u5728\u6295\u8cc7\u958b\u59cb\u4e4b\u524d\uff0c\u6536\u76ca\u7387\u53ef\u80fd\u6703\u767c\u751f\u8b8a\u5316\u3002\u5b9a\u606f\u5bf6\u6536\u76ca\u662f\u56fa\u5b9a\u7684\uff0c\u4f46\u6703\u53d7\u5230\u6f5b\u5728\u9280\u884c\u98a8\u96aa\u7684\u5f71\u97ff\u3002 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