HSBC 现在package是 1Y: SIBOR +0.75% 2Y: SIBOR +0.75% 3Y: SIBOR +0.7% Thereafter: SIBOR +0.7% Refinance package是 1Y: SIBOR +0.85% 2Y: SIBOR +0.75% 3Y: SIBOR +0.7% Thereafter: SIBOR +0.7% 外加 cash rebate about %2K 但是 HDB不可以 fixed rate 1Y: 1.2% 2Y: 1.6% 3Y: 1.9%