I transferred to a new mortage in the same bank (恒恒) in April this year with loan size over 4M, i got rate as follows: h+1.28, topup P-2.85 (P=5), 25 years, rebate 1.62%. My family member has also got the totally same rates in the same bank in April also with loan size over 5M, but he could not start the mortage within agreemnent time limit due to some reasons, then he applied an extension of previous mortage agreemnent and got the totally same rates as previous in the last week (early August).