{"id":675,"date":"2026-07-13T10:00:03","date_gmt":"2026-07-13T02:00:03","guid":{"rendered":"https:\/\/hk.propmark.com\/hong-kong-real-estate-blog\/?p=675"},"modified":"2026-07-13T10:00:03","modified_gmt":"2026-07-13T02:00:03","slug":"expat-buying-property-hong-kong-guide","status":"publish","type":"post","link":"https:\/\/hk.propmark.com\/hong-kong-real-estate-blog\/zh-hk\/expat-buying-property-hong-kong-guide\/","title":{"rendered":"\u5916\u7c4d\u4eba\u58eb\u5728\u9999\u6e2f\u7f6e\u696d\u6307\u5357\uff1a\u4e00\u6b65\u4e00\u6b65\u6559\u4f60\u8cb7\u6a13\u6d41\u7a0b"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u9999\u6e2f\u64c1\u6709\u4e9e\u6d32\u6700\u958b\u653e\u7684\u4f4f\u5b85\u7269\u696d\u5e02\u5834\u4e4b\u4e00\u3002\u8207\u65b0\u52a0\u5761\u3001\u4e2d\u570b\u5167\u5730\u53ca\u4e0d\u5c11\u5176\u4ed6\u53f8\u6cd5\u7ba1\u8f44\u5340\u4e0d\u540c\uff0c\u9999\u6e2f\u4e26\u6c92\u6709\u7981\u6b62\u5916\u570b\u4eba\u58eb\u8cfc\u8cb7\u4f4f\u5b85\u7269\u696d\u3002\u6301\u6709\u6548\u5de5\u4f5c\u7c3d\u8b49\u7684\u5916\u7c4d\u4eba\u58eb\uff0c\u53ef\u4ee5\u50cf\u9999\u6e2f\u6c38\u4e45\u6027\u5c45\u6c11\u4e00\u6a23\u8cfc\u8cb7\u534a\u5c71\u5340\u4f4f\u5b85\u3001\u897f\u8ca2\u6751\u5c4b\uff0c\u751a\u81f3\u5c71\u9802\u8c6a\u5b85\uff0c\u53ea\u9700\u9075\u5faa\u76f8\u540c\u7684\u6cd5\u5f8b\u7a0b\u5e8f\u53ca\u7269\u696d\u8cb7\u8ce3\u898f\u5b9a\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6b64\u5916\uff0c\u5916\u7c4d\u8cb7\u5bb6\u7684\u7f6e\u696d\u74b0\u5883\u8fd1\u5e74\u4ea6\u8b8a\u5f97\u66f4\u7c21\u55ae\u3002\u81ea2024\u5e742\u6708\u653f\u5e9c\u63a8\u51fa\u91cd\u5927\u6a13\u5e02\u653f\u7b56\u8abf\u6574\u5f8c\uff0c\u975e\u6c38\u4e45\u6027\u5c45\u6c11\u8207\u6c38\u4e45\u6027\u5c45\u6c11\u6240\u9700\u7e73\u4ed8\u7684\u5370\u82b1\u7a05\u5df2\u5168\u9762\u7d71\u4e00\uff0c\u800c\u6309\u63ed\u8cb8\u6b3e\u6210\u6578\uff08Loan-to-Value Ratio, LTV\uff09\u4ea6\u4e0d\u518d\u56e0\u5c45\u7559\u8eab\u4efd\u800c\u6709\u6240\u5340\u5225\u3002\u73fe\u6642\u5916\u7c4d\u4eba\u58eb\u8cb7\u6a13\u4e3b\u8981\u9700\u8981\u7559\u610f\u7684\u662f\u6536\u5165\u8b49\u660e\u6587\u4ef6\uff0c\u4ee5\u53ca\u5982\u6536\u5165\u4e26\u975e\u4ee5\u6e2f\u5143\u652f\u4ed8\uff0c\u9280\u884c\u53ef\u80fd\u5c0d\u6536\u5165\u8a08\u7b97\u63a1\u53d6\u4e00\u5b9a\u6298\u6263\uff08haircut\uff09\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u672c\u6587\u5c07\u5168\u9762\u4ecb\u7d39\u5916\u7c4d\u4eba\u58eb\u5728\u9999\u6e2f\u8cb7\u6a13\u9808\u77e5\uff0c\u5305\u62ec\u5370\u82b1\u7a05\u3001\u6309\u63ed\u5b89\u6392\uff0c\u4ee5\u53ca\u5f9e\u51fa\u50f9\u81f3\u6210\u4ea4\u7684\u5b8c\u6574\u6d41\u7a0b\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u5916\u7c4d\u4eba\u58eb\u53ef\u4ee5\u5728\u9999\u6e2f\u8cb7\u6a13\u55ce\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ef\u4ee5\uff0c\u800c\u4e14\u9650\u5236\u6975\u5c11\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7121\u8ad6\u570b\u7c4d\u6216\u79fb\u6c11\u8eab\u4efd\uff0c\u4efb\u4f55\u4eba\u58eb\u5747\u53ef\u5408\u6cd5\u8cfc\u8cb7\u9999\u6e2f\u4f4f\u5b85\u7269\u696d\u3002\u9999\u6e2f\u6c92\u6709\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5916\u570b\u8cb7\u5bb6\u8cfc\u623f\u9650\u5236<\/li>\n\n\n\n<li>\u6301\u6709\u7269\u696d\u6578\u91cf\u9650\u5236<\/li>\n\n\n\n<li>\u6c38\u4e45\u5c45\u6c11\u8eab\u4efd\u8981\u6c42<\/li>\n\n\n\n<li>\u6700\u77ed\u5c45\u7559\u671f\u9650\u8981\u6c42<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u9999\u6e2f\u4ea6\u6c92\u6709\u985e\u4f3c\u65b0\u52a0\u5761\u984d\u5916\u8cb7\u5bb6\u5370\u82b1\u7a05\uff08ABSD\uff09\u6216\u65b0\u897f\u862d\u6d77\u5916\u8cb7\u5bb6\u7981\u4ee4\u7b49\u63aa\u65bd\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2024\u5e74\u8ca1\u653f\u9810\u7b97\u6848\u53d6\u6d88\u4e86\u6700\u5f8c\u4e00\u9805\u4e3b\u8981\u5dee\u7570\u2014\u2014\u8cb7\u5bb6\u5370\u82b1\u7a05\uff08BSD\uff09\u3002BSD\u904e\u53bb\u53ea\u5411\u975e\u6c38\u4e45\u5c45\u6c11\u5fb5\u6536\uff0c\u4f46\u73fe\u5df2\u5168\u9762\u53d6\u6d88\u3002\u540c\u6642\u91d1\u7ba1\u5c40\u4ea6\u653e\u5bec\u6309\u63ed\u898f\u5247\u3002\u56e0\u6b64\uff0c2026\u5e74\u7684\u5916\u7c4d\u8cb7\u5bb6\u5728\u76e3\u7ba1\u53ca\u653f\u7b56\u5c64\u9762\u4e0a\u5df2\u8207\u672c\u5730\u8cb7\u5bb6\u4eab\u6709\u76f8\u540c\u5f85\u9047\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u5370\u82b1\u7a05\uff1a\u6240\u6709\u8cb7\u5bb6\u7d71\u4e00\u8a08\u7b97<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u9999\u6e2f\u5370\u82b1\u7a05\u5236\u5ea6\u65bc2024\u5e742\u670828\u65e5\u9032\u884c\u91cd\u5927\u6539\u9769\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u653f\u5e9c\u5df2\u5168\u9762\u53d6\u6d88\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8cb7\u5bb6\u5370\u82b1\u7a05\uff08BSD\uff09<\/li>\n\n\n\n<li>\u984d\u5916\u5370\u82b1\u7a05\uff08SSD\uff09<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u73fe\u6642\u4e0d\u8ad6\u672c\u5730\u5c45\u6c11\u3001\u975e\u6c38\u4e45\u5c45\u6c11\u6216\u6d77\u5916\u8cb7\u5bb6\uff0c\u5747\u53ea\u9700\u7e73\u4ed8\u76f8\u540c\u7684\u5f9e\u50f9\u5370\u82b1\u7a05\uff08AVD\uff09\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5370\u82b1\u7a05\u793a\u4f8b<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th class=\"has-text-align-center\" data-align=\"center\">\u6a13\u50f9<\/th><th class=\"has-text-align-center\" data-align=\"center\">AVD\u7a05\u7387<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u5370\u82b1\u7a05\u91d1\u984d<\/th><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">HK$8,000,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.0%<\/td><td class=\"has-text-align-center\" data-align=\"center\">HK$240,000<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">HK$15,000,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.75%<\/td><td class=\"has-text-align-center\" data-align=\"center\">HK$562,500<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">HK$25,000,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">4.25%<\/td><td class=\"has-text-align-center\" data-align=\"center\">HK$1,062,500<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">\u6ce8\u610f\u4e8b\u9805<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5370\u82b1\u7a05\u9808\u65bc\u6b63\u5f0f\u8cb7\u8ce3\u5408\u7d04\uff08SPA\uff09\u7c3d\u7f72\u5f8c30\u5929\u5167\u7e73\u4ed8\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6b64\u5916\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5370\u82b1\u7a05\u4e0d\u80fd\u7d0d\u5165\u6309\u63ed\u8cb8\u6b3e<\/li>\n\n\n\n<li>\u5fc5\u9808\u4ee5\u81ea\u6709\u8cc7\u91d1\u652f\u4ed8<\/li>\n\n\n\n<li>\u61c9\u65bc\u5236\u5b9a\u8cb7\u6a13\u9810\u7b97\u6642\u4e00\u4f75\u8003\u616e<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\u8cfc\u5165\u4e00\u500b\u50f9\u503c1,500\u842c\u6e2f\u5143\u7684\u4f4f\u5b85\u55ae\u4f4d\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6c38\u4e45\u5c45\u6c11\u5370\u82b1\u7a05\uff1aHK$562,500<\/li>\n\n\n\n<li>\u975e\u6c38\u4e45\u5c45\u6c11\u5370\u82b1\u7a05\uff1aHK$562,500<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5169\u8005\u5b8c\u5168\u76f8\u540c\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u76f8\u6bd42024\u5e74\u6539\u9769\u524d\uff0c\u5916\u7c4d\u8cb7\u5bb6\u9700\u627f\u64d4\u903e11%\u7684\u7d9c\u5408\u5370\u82b1\u7a05\u8ca0\u64d4\uff0c\u73fe\u6642\u6210\u672c\u5df2\u5927\u5e45\u4e0b\u964d\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u5916\u7c4d\u4eba\u58eb\u5982\u4f55\u7533\u8acb\u6309\u63ed\uff1f<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">\u6309\u63ed\u6210\u6578\uff08LTV\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u81ea2024\u5e74\u8d77\uff0c\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\u5df2\u53d6\u6d88\u6309\u5c45\u7559\u8eab\u4efd\u5340\u5206\u6309\u63ed\u6210\u6578\u7684\u5b89\u6392\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u73fe\u6642\u6309\u63ed\u6210\u6578\u4e3b\u8981\u6839\u64da\u7269\u696d\u50f9\u503c\u6c7a\u5b9a\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u6a13\u50f91,500\u842c\u6e2f\u5143\u6216\u4ee5\u4e0b<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u6700\u9ad8\u53ef\u501f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>80%\u6309\u63ed<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5373\u6700\u5c11\u9996\u671f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>20%<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u6a13\u50f91,500\u842c\u81f31,715\u842c\u6e2f\u5143<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u6700\u9ad8\u8cb8\u6b3e\u984d\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1,200\u842c\u6e2f\u5143<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u9996\u6b21\u7f6e\u696d\u4eba\u58eb<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b26\u5408\u4ee5\u4e0b\u689d\u4ef6\u4eba\u58eb\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u53d7\u85aa\u50f1\u54e1<\/li>\n\n\n\n<li>\u672a\u6301\u6709\u5176\u4ed6\u9999\u6e2f\u4f4f\u5b85\u7269\u696d<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ef\u900f\u904e\u9999\u6e2f\u6309\u63ed\u8b49\u5238\u6709\u9650\u516c\u53f8\uff08HKMC\uff09\u6309\u63ed\u4fdd\u96aa\u8a08\u5283\uff08MIP\uff09\u7533\u8acb\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u6700\u9ad890%\u6309\u63ed<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9069\u7528\u65bc\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u6a13\u50f91,000\u842c\u6e2f\u5143\u6216\u4ee5\u4e0b\u4f4f\u5b85<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5be6\u969b\u5be9\u6279\u4ecd\u9808\u7b26\u5408\u4fdd\u96aa\u516c\u53f8\u8cc7\u683c\u8981\u6c42\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u6536\u5165\u8b49\u660e\u8981\u6c42<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u9999\u6e2f\u9280\u884c\u4e00\u822c\u8981\u6c42\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6700\u8fd13\u81f36\u500b\u6708\u7ce7\u55ae<\/li>\n\n\n\n<li>\u50f1\u50ad\u5408\u7d04<\/li>\n\n\n\n<li>\u9280\u884c\u5165\u606f\u7d00\u9304<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u65b0\u5230\u6e2f\u7684\u5916\u7c4d\u4eba\u58eb\u82e5\u672a\u7d2f\u7a4d\u672c\u5730\u6536\u5165\u7d00\u9304\uff0c\u90e8\u5206\u9280\u884c\u4ecd\u53ef\u80fd\u63a5\u53d7\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u50f1\u4e3b\u8058\u7528\u8b49\u660e\u4fe1<\/li>\n\n\n\n<li>\u6d77\u5916\u5de5\u4f5c\u6536\u5165\u8b49\u660e<\/li>\n\n\n\n<li>\u524d\u5de5\u4f5c\u5730\u5340\u7ce7\u55ae<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u540c\u9280\u884c\u5be9\u6279\u6a19\u6e96\u6709\u6240\u4e0d\u540c\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u8a08\u5283\u4f86\u6e2f\u5f8c\u77ed\u671f\u5167\u7f6e\u696d\uff0c\u5efa\u8b70\u53ca\u65e9\u8aee\u8a62\u6309\u63ed\u7d93\u7d00\u6216\u9280\u884c\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u4f9b\u6b3e\u8207\u5165\u606f\u6bd4\u7387\uff08DSR\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u9999\u6e2f\u91d1\u7ba1\u5c40\u5df2\u65bc2024\u5e74\u53d6\u6d88\u6309\u63ed\u58d3\u529b\u6e2c\u8a66\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u73fe\u6642\u4e3b\u8981\u63a1\u7528\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u50b5\u52d9\u4f9b\u6b3e\u6bd4\u7387\uff08Debt Servicing Ratio\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u6bcf\u6708\u4f9b\u6b3e\u7e3d\u984d\u4e0d\u53ef\u8d85\u904e\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u501f\u6b3e\u4eba\u6bcf\u6708\u6838\u5be6\u6536\u5165\u768450%<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u82e5\u6536\u5165\u4e26\u975e\u6e2f\u5143\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u7f8e\u5143\uff08USD\uff09<\/li>\n\n\n\n<li>\u82f1\u938a\uff08GBP\uff09<\/li>\n\n\n\n<li>\u6b50\u5143\uff08EUR\uff09<\/li>\n\n\n\n<li>\u4eba\u6c11\u5e63\uff08RMB\uff09<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u9280\u884c\u901a\u5e38\u6703\u5c0d\u6536\u5165\u4f30\u503c\u4f5c\u4e00\u5b9a\u6298\u6263\uff08haircut\uff09\u5f8c\u518d\u8a08\u7b97DSR\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5be6\u969b\u6298\u6263\u6bd4\u4f8b\u56e0\u9280\u884c\u53ca\u8ca8\u5e63\u800c\u7570\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u9999\u6e2f\u8cb7\u6a13\u6d41\u7a0b\uff1a\u4e00\u6b65\u4e00\u6b65\u6307\u5357<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u822c\u4e8c\u624b\u4f4f\u5b85\u4ea4\u6613\u7531\u8b70\u50f9\u81f3\u6210\u4ea4\u7d04\u9700\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>6\u81f310\u661f\u671f<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th class=\"has-text-align-center\" data-align=\"center\">\u6b65\u9a5f<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u6642\u9593<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u4e3b\u8981\u5de5\u4f5c<\/th><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">1<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u7747\u6a13\u524d<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u8a08\u7b97\u7e3d\u9810\u7b97\uff08\u6a13\u50f9\u3001\u5370\u82b1\u7a05\u3001\u5f8b\u5e2b\u8cbb\u3001\u4ee3\u7406\u4f63\u91d1\uff09<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">2<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u7747\u6a13\u524d<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u9810\u5148\u7533\u8acb\u6309\u63ed\u6279\u6838<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">3<\/td><td class=\"has-text-align-center\" data-align=\"center\">2-8\u661f\u671f<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u7747\u6a13\u53ca\u7269\u8272\u5fc3\u6c34\u7269\u696d<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">4<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u51fa\u50f9\u7576\u65e5<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u7c3d\u8a02\u81e8\u6642\u8cb7\u8ce3\u5408\u7d04\uff08PSPA\uff09\u53ca\u652f\u4ed8\u7d045%\u8a02\u91d1<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">5<\/td><td class=\"has-text-align-center\" data-align=\"center\">14\u65e5\u5167<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u7c3d\u8a02\u6b63\u5f0f\u8cb7\u8ce3\u5408\u7d04\uff0c\u7e3d\u8a02\u91d1\u589e\u81f3\u7d0410%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">6<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u7b2c2-6\u9031<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u5f8b\u5e2b\u67e5\u518a\u53ca\u9280\u884c\u5b89\u6392\u6309\u63ed\u6587\u4ef6<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">7<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u7b2c4-8\u9031<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u5b8c\u6210\u4ea4\u6613\u3001\u652f\u4ed8\u9918\u6b3e\u53ca\u6536\u6a13<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u81e8\u6642\u8cb7\u8ce3\u5408\u7d04\uff08PSPA\uff09\u9700\u7279\u5225\u6ce8\u610f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u9999\u6e2f\u7684\u81e8\u6642\u8cb7\u8ce3\u5408\u7d04\u5177\u6709\u6cd5\u5f8b\u7d04\u675f\u529b\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8cb7\u65b9\u65bc\u7c3d\u7f72\u5f8c\u9000\u51fa\u4ea4\u6613\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u901a\u5e38\u6703\u6c92\u6536\u5168\u90e8\u8a02\u91d1<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8207\u90e8\u5206\u6d77\u5916\u5e02\u5834\u4e0d\u540c\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9999\u6e2f\u7684PSPA\u4e26\u975e\u610f\u5411\u66f8\uff0c\u800c\u662f\u771f\u6b63\u5177\u6cd5\u5f8b\u6548\u529b\u7684\u8cb7\u8ce3\u5354\u8b70\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u6b64\u5728\u7c3d\u7f72\u524d\uff0c\u5efa\u8b70\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5df2\u53d6\u5f97\u6309\u63ed\u9810\u5148\u6279\u6838<\/li>\n\n\n\n<li>\u5df2\u8aee\u8a62\u5f8b\u5e2b\u610f\u898b<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u4ea4\u6613\u6210\u672c\u6982\u89bd<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u5f8b\u5e2b\u8cbb<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u822c\u4e8c\u624b\u4f4f\u5b85\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7d04HK$30,000\u81f3HK$80,000<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8996\u4e4e\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6a13\u5951\u8907\u96dc\u7a0b\u5ea6<\/li>\n\n\n\n<li>\u5f8b\u5e2b\u6a13\u6536\u8cbb<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u5730\u7522\u4ee3\u7406\u4f63\u91d1<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8cb7\u65b9\u901a\u5e38\u652f\u4ed8\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7d04\u6a13\u50f91%<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5370\u82b1\u7a05<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u6b63\u5f0f\u8cb7\u8ce3\u5408\u7d04\u7c3d\u7f72\u5f8c\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">30\u5929\u5167\u7e73\u4ed8<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u5916\u7c4d\u4eba\u58eb\u71b1\u9580\u7f6e\u696d\u5730\u5340<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">\u534a\u5c71\u5340\uff08Mid-Levels\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u9999\u6e2f\u6700\u6210\u719f\u53ca\u6700\u53d7\u6b61\u8fce\u7684\u5916\u7c4d\u4eba\u58eb\u793e\u5340\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u512a\u52e2\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u9130\u8fd1\u4e2d\u74b0\u5546\u696d\u5340<\/li>\n\n\n\n<li>\u5fb7\u745e\u570b\u969b\u5b78\u6821\uff08GSIS\uff09<\/li>\n\n\n\n<li>\u6cd5\u570b\u570b\u969b\u5b78\u6821\uff08FIS\uff09<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u6a13\u50f9\u4ea6\u5c6c\u6e2f\u5cf6\u9ad8\u7aef\u6c34\u5e73\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u897f\u8ca2\uff08Sai Kung\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u9069\u5408\u8ffd\u6c42\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u66f4\u5927\u5c45\u4f4f\u7a7a\u9593<\/li>\n\n\n\n<li>\u6236\u5916\u751f\u6d3b<\/li>\n\n\n\n<li>\u793e\u5340\u6c1b\u570d<\/li>\n<\/ul>\n\n\n\n<p 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class=\"wp-block-paragraph\">\u9069\u5408\u9ad8\u8cc7\u7522\u4eba\u58eb\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7279\u8272\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u79c1\u96b1\u5ea6\u9ad8<\/li>\n\n\n\n<li>\u8c6a\u5b85\u96c6\u4e2d<\/li>\n\n\n\n<li>\u9999\u6e2f\u6700\u5177\u4ee3\u8868\u6027\u7684\u4f4f\u5b85\u5730\u6bb5<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u50f9\u683c\u660e\u986f\u9ad8\u65bc\u4e00\u822c\u4f4f\u5b85\u5e02\u5834\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u61c9\u5c0b\u627e\u54ea\u4e9b\u5c08\u696d\u4eba\u58eb\u5354\u52a9\uff1f<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">\u5730\u7522\u4ee3\u7406<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u61c9\u78ba\u4fdd\u6301\u6709\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u5730\u7522\u4ee3\u7406\u76e3\u7ba1\u5c40\uff08EAA\uff09\u724c\u7167<\/strong><\/p>\n\n\n\n<p 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