This will protect the banks from the market risk arising from interest rate changes between the origination of the mortgages and offloading of these mortgages to the HKMC. Loan servicing.

• 因此,银行不会因为在借出这些定息按揭贷款及向按揭证券公司出售这些贷款期间的利率变化而要承受市场风险。