按揭慳勁多，別錯過減息週期，按揭轉浮息的好時機！甚麼是「P按」、「H按」？ 【我要做屋主 | 樓市】

[@卡門-d1f]

師父，2023香港樓市點睇，如自住2023可買嗎🙏🏻🙏🏻

[@annawong1565]

多謝分享 ！💪💪💪💪

[@anniesit2774]

分享會點參加？

[@chankenny3963]

I just bought house in Toronto with fixed rate 5 years by sept, can I change the rate within this 5 years if the interest rate drop?

[@jackyfung3756]

Yes , there is a penalty tho , how much would depend on ur mortgage amount and how much time left