{"id":9516,"date":"2018-02-02T00:37:08","date_gmt":"2018-02-01T16:37:08","guid":{"rendered":"https:\/\/tokuhon.blog\/?p=9516"},"modified":"2018-04-21T10:22:13","modified_gmt":"2018-04-21T02:22:13","slug":"%e8%b2%a1%e6%8a%8016%ef%bc%9a%e5%a6%82%e4%bd%95%e6%af%94%e8%bc%83%e6%8c%89%e6%8f%ad%e6%a2%9d%e6%ac%be%e2%94%82%e6%a2%81%e9%9a%bc","status":"publish","type":"post","link":"https:\/\/tokuhon.blog\/?p=9516","title":{"rendered":"\u7f6e\u696d\u8ca1\u6280(16)\uff1a\u5982\u4f55\u6bd4\u8f03\u6309\u63ed\u689d\u6b3e\u2502\u6881\u96bc"},"content":{"rendered":"

\"\u62bd\u8c61\u6d3e\u827a\u672f503.jpg\"<\/p>\n

 <\/p>\n

\u554f\uff1a \u6211\u5011\u525b\u525b\u8cb7\u5165\u7269\u696d\uff0c\u7d93\u7d00\u4ecb\u7d39\u4e86\u4e00\u9593\u6309\u63ed\u8f49\u4ecb\u516c\u53f8\uff0c\u5f88\u5feb\u5c31\u6709\u5e7e\u9593\u9280\u884c\u5831\u50f9\u2026\u2026\u554f\u984c\u662f\uff0d\u4e0d\u77e5\u600e\u6a23\u9078\u64c7\uff1f\u6709\u4e9b\u662fH\u6309\uff0c\u6709\u4e9b\u662fP\u6309\uff0c\u9084\u6709\u5b9a\u606f\u6309\u63ed\uff01\u4e00\u6642\u4e09\u523b\u771f\u7684\u7121\u6240\u9069\u5f9e\uff0c\u4e0d\u77e5\u5f9e\u4f55\u5165\u624b\uff01<\/strong><\/p><\/blockquote>\n

\u7b54\uff1a<\/p>\n

\u4e16\u4e0a\u6c92\u6709\u6700\u4f73\u7684\u9078\u64c7\uff0c\u53ea\u6709\u8f03\u9069\u5408\u7684\u9078\u64c7\uff0c\u4e0d\u904e\u5927\u8a71\u6015\u8a08\u6578\u3002\u6700\u597d\u8a08\u4e00\u8a08\u5be6\u969b\u5229\u606f\u6709\u591a\u5c11\u3002<\/p>\n

\u5148\u8981\u8003\u616e\u7684\u662fH\u6309\u3001P\u6309\uff0c\u9084\u662f\u5b9a\u606f\u6309\u63ed\u3002\u4e00\u822c\u4f86\u8aaa\u5b9a\u606f\u6309\u63ed\u6703\u8f03\u6709\u9810\u7b97\uff0c\u7121\u61fc\u672a\u4f86\u606f\u53e3\u4e0a\u5347\uff0c\u597d\u50cf\u6709\u8457\u6578\uff0c\u554f\u984c\u662f\u9280\u884c\u4e00\u822c\u6703\u5831\u51fa\u8f03\u9ad8\u7684\u5229\u7387\uff0c\u4ee4\u4f60\u300c\u672a\u898b\u5b98\u5148\u6253\u516b\u5341\u300d\u3002\u81f3\u65bc\u9078\u64c7H\u5b9aP\uff0c\u9664\u4e86\u8981\u8a08\u7b97\u5be6\u969b\u5229\u7387\u5916\uff0c\u9084\u8981\u8003\u616e\u672a\u4f86\u606f\u53e3\u8d70\u52e2\u3002\u4ee5\u4e0b\u662f\u56db\u500b\u5178\u578b\u7684\u6309\u63ed\u8a08\u5283\uff1a<\/p>\n

Plan A<\/p>\n

\u6309\u63ed\u606f\u7387\uff1a\u5168\u671fP-3.0% \uff08P=5.25%\uff09
\n\u73fe\u91d1\u56de\u8d08\uff1a0.70%
\n\u7f70\u606f\u671f\uff1a1\u5e74
\n\u5be6\u969b\u5229\u606f\uff1a2.25%<\/p><\/blockquote>\n

Plan B<\/p>\n

\u6309\u63ed\u606f\u7387\uff1a\u5168\u671fP-2.8% \uff08P=5.00%\uff09
\n\u73fe\u91d1\u56de\u8d08\uff1a0.70%
\n\u7f70\u606f\u671f\uff1a1\u5e74
\n\u5be6\u969b\u5229\u606f\uff1a2.2%<\/p><\/blockquote>\n

Plan C<\/p>\n

\u6309\u63ed\u606f\u7387\uff1a\u5168\u671fH+1.9%\uff08\u63a1\u7528\u4e00\u500b\u6708H\uff09 \u5229\u7387\u4e0a\u9650P-3.0%\uff08P=5.25%\uff09
\n\u73fe\u91d1\u56de\u8d08\uff1a1.00%
\n\u7f70\u606f\u671f\uff1a2\u5e74
\n\u5be6\u969b\u5229\u606f\uff1a2.10%<\/p><\/blockquote>\n

Plan D<\/p>\n

\u6309\u63ed\u606f\u7387\uff1a\u5168\u671fH+1.8%\uff08\u63a1\u7528\u4e09\u500b\u6708H\uff09 \u5229\u7387\u4e0a\u9650P-3.0%\uff08P=5.00%\uff09
\n\u73fe\u91d1\u56de\u8d08\uff1a\u6c92\u6709
\n\u7f70\u606f\u671f\uff1a\u6c92\u6709
\n\u5be6\u969b\u5229\u606f\uff1a2.18%<\/p><\/blockquote>\n

Plan E<\/p>\n

\u6309\u63ed\u606f\u7387\uff1a\u9996\u4e09\u5e74\u5b9a\u606f2.3% \u5176\u5f8cP-2.9%\uff08P=5.25%\uff09
\n\u73fe\u91d1\u56de\u8d08\uff1a\u6c92\u6709
\n\u7f70\u606f\u671f\uff1a3\u5e74
\n\u5be6\u969b\u5229\u606f\uff1a2.30%<\/p><\/blockquote>\n

P\u6309<\/p>\n

\u6bd4\u8f03Plan A \u540cPlan B\uff0c\u5982\u679c\u53ea\u662f\u770bP-X%\uff0c\u8868\u9762\u4e0a\u597d\u50cfPlan A\u8f03\u8457\u6578\uff0c\u4e0d\u904e\u8981\u7559\u610f\uff0c\u7531\u65bc\u662f\u300c\u5927P\u300d\uff0c\u5c31\u6bd4Plan B\u7684\u300c\u7d30P\u300d\u9ad80.25%\u3002\u73fe\u6642\u532f\u8c50\u3001\u6046\u751f\u548c\u4e2d\u9280\u662f\u63a1\u7528\u7d30P\uff0c\u5176\u4ed6\u9280\u884c\u591a\u6578\u90fd\u662f\u5927P\uff0c\u6240\u4ee5\u4e00\u5b9a\u8981\u554f\u6e05\u695a\u7a76\u7adf\u662f\u7528\u90a3\u4e00\u500bP\u3002<\/p>\n

\u96d6\u7136P\u5df2\u7d93\u591a\u5e74\u6c92\u6709\u8abf\u6574\uff0c\u4e0d\u904e\u5f9e\u9577\u9060\u7684\u89d2\u5ea6\u770b\uff0c\u5176\u5be6\u90fd\u6709\u5f88\u5927\u7684\u8b8a\u52d5\uff0c\u4e0b\u5716\u662f\u591a\u5e74\u4f86\u7684\u8d70\u52e2\u5716\uff1a<\/p>\n

\"\u5716\u7247<\/p>\n

H\u6309<\/p>\n

\u6bd4\u8f03Plan C\u540cPlan D\uff0c\u724c\u9762\u4e0aPlan C\u597d\u50cf\u9ad80.1%\uff0c\u4e0d\u904e\u8981\u7559\u610f\u9280\u884c\u7a76\u7adf\u662f\u4ee5\u90a3\u4e00\u500b\u300cH\u300d\u4f5c\u57fa\u6e96\u3002\u9996\u5148\u6211\u5011\u5230\u9280\u884c\u516c\u6703\u67e5\u8a62\u6700\u65b0\u7684HIBOR\uff08\u5373\u6e2f\u5143\u5229\u606f\u7d50\u7b97\u5229\u7387\uff09\uff1a<\/p>\n

https:\/\/www.hkab.org.hk\/hibor\/listRates.do\uff1flang=b5&Submit=Detail<\/a><\/p>\n

\"\u5716\u7247<\/p>\n

Plan C\u662f\u4ee51\u500b\u6708\u8a08\uff0c\u6240\u4ee5H+1.9%=2.1%\uff1b\u800cPlan D\u662f\u4ee53\u500b\u6708\u8a08\uff0c\u6240\u4ee5H+1.8%=2.18%\uff0c\u5f97\u51fa\u5b8c\u5168\u76f8\u53cd\u7684\u7d50\u8ad6\u3002\u8981\u7559\u610fHIBOR\u662f\u96a8\u6642\u8b8a\u52d5\u7684\uff0c\u4e0d\u904e\u5927\u9ad4\u4e0a1\u500b\u6708\u662f\u4f4e\u65bc3\u500b\u6708\u7684\uff0c\u6240\u4ee5\u7406\u8ad6\u4e0a\u82e5\u679c\u606f\u7387\u76f8\u540c\uff0c\u524d\u8005\u5c31\u6bd4\u5f8c\u8005\u8457\u6578\u3002<\/p>\n

\u53e6\u5916\uff0cH\u6309\u6bd4P\u6309\u6709\u4e00\u500b\u512a\u52e2\uff0c\u5c31\u662fH\u53ef\u4ee5\u8981\u6c42\u9280\u884c\u8f49\u70baP\uff0c\u800c\u4e14H\u6309\u662f\u6709\u5c01\u9802\u5229\u7387\u7684\uff0c\u4e00\u822c\u662f\u4ee5P-X%\u53bb\u8a08\u7b97\uff0c\u90a3\u5c31\u8981\u8003\u616e\u7a76\u7adf\u662f\u5927P\u9084\u662f\u7d30P\u3002<\/p>\n

\"\u5716\u7247<\/p>\n

\u5b9a\u606f\u6309\u63ed<\/p>\n

\u5982\u679c\u4f30\u8a08\u672a\u4f86\u5229\u7387\u6703\u4e0a\u5347\uff0c\u90a3\u5c31\u53ef\u4ee5\u8003\u616e\u4f7f\u7528\u5b9a\u606f\u6309\u63ed\uff0c\u4e0d\u904e\u9280\u884c\u70ba\u4e86\u4fdd\u969c\u81ea\u5df1\u7684\u5229\u76ca\uff0c\u4e00\u822c\u6703\u5831\u51fa\u8f03\u9ad8\u7684\u5229\u7387\uff0c\u800c\u4e14\u5f80\u5f80\u8a2d\u5b9a\u5b9a\u606f\u7684\u5e74\u671f\uff0c\u4e4b\u5f8c\u6703\u7528\u67d0\u500b\u5229\u7387\u6c34\u5e73\u3002<\/p>\n

\u73fe\u91d1\u56de\u8d08\u548c\u7f70\u606f\u671f<\/p>\n

\u9280\u884c\u70ba\u5438\u5f15\u5ba2\u6236\uff0c\u4e5f\u6703\u63d0\u4f9b\u4e00\u4e9b\u512a\u60e0\uff0c\u4f8b\u5982\u9001\u5f8b\u5e2b\u8cbb\u3001\u9001\u6309\u63ed\u5951\uff0c\u751a\u81f3\u6703\u51fa\u52d5\u73fe\u91d1\u56de\u8d08\u3002\u6bd4\u5982\u4e0a\u9762\u7684\u4f8b\u5b50\uff0c\u73fe\u91d1\u56de\u8d08\u75310.7-1.0%\u4e0d\u7b49\uff0c\u4ee5\u6309\u63ed\u984d250\u842c\u8a08\u7b97\uff0c0.7%\u5c31\u662f17,500\u5143\uff0c1.0%\u5c31\u662f25,000\u5143\uff0c\u90fd\u53ef\u4ee5\u5e6b\u88dc\u4e00\u4e0b\u3002<\/p>\n

\u8981\u7559\u610f\u9280\u884c\u6703\u5217\u51fa\u7f70\u606f\u671f\uff0c\u5982\u679c\u5728\u671f\u9650\u4e4b\u5167\u9084\u6b3e\u6216\u8f49\u6309\uff0c\u9280\u884c\u5c31\u6703\u7f70\u606f\u3002\u4e00\u822c\u9664\u4e86\u5217\u51fa\u7f70\u606f\u7684\u5e74\u671f\u5916\uff0c\u4e5f\u6703\u5217\u660e\u4e0d\u540c\u6642\u6bb5\u7684\u7f70\u6b3e\uff0c\u4f8b\u5982\u7d813\u5e74\uff0c\u9996\u5e74\u8d16\u6309\u7f700.5%\uff0c\u7b2c\u4e8c\u5e74\u7f700.3%\uff0c\u7b2c\u4e09\u5e74\u7f700.15%\u4e4b\u985e\u3002\u4e0d\u904e\u73fe\u6642\u6709\u7279\u5225\u5370\u82b1\u7a05(SSD)\uff0c\u8cb7\u6a13\u4e00\u822c\u90fd\u8981\u7d81\u4e09\u5e74\uff0c\u800c\u7531\u65bc\u9280\u884c\u8fd1\u5e74\u7684\u6309\u606f\u90fd\u6c92\u6709\u4e0b\u964d\u7684\u8da8\u52e2\uff0c\u9664\u975e\u518d\u51fa\u73feH+0.X%\u7684\u5831\u50f9\uff0c\u4e0d\u7136\u76f8\u4fe1\u88ab\u7f70\u7684\u6a5f\u6703\u90fd\u4e0d\u5927\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

  \u554f\uff1a \u6211\u5011\u525b\u525b\u8cb7\u5165\u7269\u696d\uff0c\u7d93\u7d00\u4ecb\u7d39\u4e86\u4e00\u9593\u6309\u63ed\u8f49\u4ecb\u516c\u53f8\uff0c\u5f88\u5feb\u5c31\u6709\u5e7e\u9593\u9280\u884c\u5831\u50f9\u2026\u2026\u554f\u984c\u662f\uff0d\u4e0d\u77e5\u600e\u6a23\u9078\u64c7 […]<\/p>\n","protected":false},"author":3,"featured_media":9522,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[603639152,603689565],"tags":[602196676,408807718],"class_list":["post-9516","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-leungchun","category-column","tag-602196676","tag-408807718"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/tokuhon.blog\/wp-content\/uploads\/2018\/02\/503-1.jpg?fit=1000%2C750&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p9lhKB-2tu","jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/tokuhon.blog\/index.php?rest_route=\/wp\/v2\/posts\/9516","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tokuhon.blog\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tokuhon.blog\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tokuhon.blog\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/tokuhon.blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=9516"}],"version-history":[{"count":2,"href":"https:\/\/tokuhon.blog\/index.php?rest_route=\/wp\/v2\/posts\/9516\/revisions"}],"predecessor-version":[{"id":9870,"href":"https:\/\/tokuhon.blog\/index.php?rest_route=\/wp\/v2\/posts\/9516\/revisions\/9870"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tokuhon.blog\/index.php?rest_route=\/wp\/v2\/media\/9522"}],"wp:attachment":[{"href":"https:\/\/tokuhon.blog\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=9516"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tokuhon.blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=9516"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tokuhon.blog\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=9516"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}