SCB
repay H only, but if u sell the flat, u have to pay back 0.65%. e.g. if u repay in 1 year's time, have to repay the 0.65%, if 3 yrs' time 0.65% x3.
after the first 3 years must have to repay 0.65%x3.
the beauty of this plan is u can repay a smaller amt in the first 3 years, as u just need to pay H.
cap is 2.5%
today's 1 mth H is 0.09%.
i will use H in the 1st year, but may choose P if H rate rises a lot.
if u buy a flat now, must use H as it's much much lower than P. HSBC gives me 2.05% + 1% rebate. SCB it's 0.09+0.65% (for this mth), but if H doesn't move a lot, shd be below 1%/mth, much favorable than 2.05%.
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