參考個案
個案一
姓別：女(45歲) 職業：補習老師 月入：$30,000
| 債務機構 | 欠債 | 每月最低還款 | 每月利率 | 每月利息開支 | 舒緩後供款 | 期數 | 舒緩後每月利率 | 舒緩後每月利息 |
| 財務公司 A | $71,545 | $4,764 | 2.45% | $1,753 | $1,650 | 72 | 0.92% | $656 |
| 銀行 A | $253,839 | $10,101 | 0.65% | $1,650 | $3,000 | 96 | 0.14% | $356 |
| 財務公司 B | $40,391 | $2,020 | 3% | $1,212 | $713 | 96 | 0.72% | $292 |
| 財務公司 C | $299,433 | $10,116 | 1.32% | $3,953 | $6,300 | 72 | 0.72% | $2,141 |
| 總共 | $665,208 | $27,001 | $8,567 | $11,663 | $3,446 |
每月節省利息開支: 8567-3446 = $5121
每月供款由 $27001 減至 $11663
個案二
姓別：男(47歲) 職業：銀行高層 月入：$75,000
| 債務機構 | 欠債 | 每月最低還款 | 每月利率 | 每月利息開支 | 舒緩後供款 | 期數 | 舒緩後每月利率 | 舒緩後每月利息 |
| 銀行 A | $296,400 | $16,682 | 3.00% | $8,892 | $3,900 | 76 | 0% | $0 |
| 銀行 B | $276,881 | $13,844 | 3.00% | $8,306 | $5,200 | 72 | 0.49% | $1,354 |
| 銀行 C | $66,000 | $1,880 | 3.00% | $1,980 | $1,000 | 66 | 0% | $0 |
| 銀行 D | $118,410 | $5,921 | 1.05% | $3,552 | $3,000 | 40 | 0.03% | $40 |
| 銀行 E | $1,080,341 | $29,800 | $11,343.58 | $17,200 | 84 | 0.40% | $4,339 | |
| 總共 | $1,838,032 | $68,127 | $34,074 | $30,300 | $5,733 |
每月節省利息開支: 34074-5733 = $28341
每月供款由 $68127 減至 $30300
個案三
姓別：男(35歲) 職業：採購部經理 月入：$35,000
| 債務機構 | 欠債 | 每月最低還款 | 每月利率 | 每月利息開支 | 舒緩後供款 | 期數 | 舒緩後每月利率 | 舒緩後每月利息 |
| 財務公司 A | $8,736 | $437 | 3% | $262 | $209 | 72 | 1.00% | $87 |
| 財務公司 B | $19,592 | $980 | 4% | $784 | $468 | 72 | 1.00% | $196 |
| 財務公司 C | $230,000 | $7,498 | 1.18% | $2,707 | $5,494 | 72 | 1.00% | $2,300 |
| 財務公司 D | $70,892 | $3,545 | 3% | $2,127 | $1,694 | 72 | 1.00% | $709 |
| 銀行 A | $520,000 | $13,980 | 0.66% | $3,448 | $7,750 | 96 | 0.45% | $2,333 |
| 銀行 B | $55,539 | $2,285 | 0.39% | $218 | $579 | 96 | 0.45% | $0 |
| 銀行 C | $44,732 | $2,237 | 2.50% | $1,118 | $466 | 96 | 0.00% | $0 |
| 銀行 D | $48,148 | $2,407 | 2.50% | $1,204 | $502 | 96 | 0.00% | $0 |
| 總數： | $997,639 | $33,368 | $17,161 | $5,625.53 |
每月節省利息開支: 17161-5625 = $11536
每月供款由 $33368 減至 $17161
個案四
姓別：女(28歲) 職業：註冊護士 月入：$30,000
| 債務機構 | 欠債 | 每月最低還款 | 每月利率 | 每月利息開支 | 舒緩後供款 | 期數 | 舒緩後每月利率 | 舒緩後每月利息 |
| 銀行 A | $480,688 | $10,682 | 0.56% | $2,706 | $8,118 | 72 | 0.30% | $1,442 |
| 銀行 B | $180,163 | $4,769 | 0.24% | $434 | $2,936 | 72 | 0.24% | $434 |
| 銀行 C | $333,882 | $8,333 | 0.19% | $618 | $5,255 | 72 | 0.19% | $618 |
| 銀行 D | $7,180 | $359 | 3.00% | $215 | $121 | 72 | 0.30% | $22 |
| 銀行 E | $7,535 | $377 | 3.00% | $226 | $105 | 72 | 0.00% | $0 |
| 銀行 F | $20,157 | $1,008 | 3.00% | $605 | $340 | 72 | 0.30% | $60 |
| 銀行 G | $105,327 | $6,577 | 3.00% | $3,160 | $2,095 | 72 | 0.60% | $632 |
| 銀行 H | $34,911 | $1,746 | 3.00% | $1,047 | $485 | 72 | 0.00% | $0 |
| 總數： | $1,169,843 | $33,850 | $9,011 | $19,456 | $3,208 |
每月節省利息開支: 9011-3207 = $5804
每月供款由 $33850 減至 $19456
個案五
姓別：男(54歲) 職業：退休警務人員 月入：$26,000
| 債務機構 | 欠債 | 每月最低還款 | 每月利率 | 每月利息開支 | 舒緩後供款 | 期數 | 舒緩後每月利率 | 舒緩後每月利息 |
| 銀行 A | $276,562 | $10,637 | 0.63% | $1,752 | $4,122 | 84 | 0.30% | $830 |
| 銀行 B | $316,442 | $6,458 | 0.90% | $2,846 | $4,716 | 84 | 0.30% | $949 |
| 銀行 C | $70,871 | $3,544 | 1.00% | $709 | $844 | 84 | 0.00% | $0 |
| 財務公司 A | $72,978 | $3,649 | 2.50% | $1,824 | $1,743 | 72 | 1.00% | $730 |
| 財務公司 B | $600 | $30 | 4.00% | $24 | $14 | 72 | 1.00% | $6 |
| 銀行 D | $20,000 | $1,000 | 2.50% | $500 | $398 | 72 | 0.60% | $120 |
| 總數： | $757,453 | $25,317 | $7,655 | $11,838 | $2,635 |
每月節省利息開支: 7655-2634 = $5020
每月供款由 $33850 減至 $19456
個案六
姓別：男(40歲) 職業：建築工人 月入：$22,000
| 債務機構 | 欠債 | 每月最低還款 | 每月利率 | 每月利息開支 | 舒緩後供款 | 期數 | 舒緩後每月利率 | 舒緩後每月利息 |
| 銀行 A | $96,000 | $6,000 | 0.92% | $880 | $1,911 | 84 | 0.80% | $768 |
| 銀行 B | $43,000 | $2,150 | 3.00% | $1,290 | $1,672 | 72 | 2.50% | $1,075 |
| 銀行 C | $118,000 | $6,000 | 2.22% | $2,622 | $2,819 | 72 | 1.00% | $1,180 |
| 財務公司 A | $22,160 | $1,400 | 0.50% | $111 | $264 | 84 | 0.00% | $0 |
| 財務公司 B | $70,177 | $3,509 | 3.00% | $2,105 | $1,676 | 72 | 1.00% | $702 |
| 總數： | $349,337 | $19,059 | $7,008 | $8,342 | $3,725 |
每月節省利息開支: 7008-3725 = $5020
每月供款由 $19059 減至 $8342
個案七
姓別：女(30歲) 職業：美容顧問 月入：$22,000
| 債務機構 | 欠債 | 每月最低還款 | 每月利率 | 每月利息開支 | 舒緩後供款 | 期數 | 舒緩後每月利率 | 舒緩後每月利息 |
| 銀行 A | $21,090 | $1,055 | 3.00% | $633 | 84 | 0.35% | ||
| 銀行 B | $295,406 | $7,854 | 1.10% | $3,263 | $4,876 | 84 | 0.35% | $1,108 |
| 銀行 C | $23,618 | $1,181 | 3.00% | $709 | $375 | 72 | 0.20% | $47.24 |
| 財務公司 A | $462 | $23 | 3.00% | $14 | $12 | 72 | 1.30% | $6.01 |
| 銀行 D | $160,078 | $8,004 | 3.00% | $4,802 | $3,344 | 72 | 0.70% | $1,120.55 |
| 總數： | $500,654 | $18,116 | $9,420 | $8,608 | $2,282 |
每月節省利息開支: 9420-2282 = $7138
每月供款由 $18116 減至 $8608
個案八
姓別：女(46歲) 職業：傳播媒體 月入：$24,000
| 債務機構 | 欠債 | 每月最低還款 | 每月利率 | 每月利息開支 | 舒緩後供款 | 期數 | 舒緩後每月利率 | 舒緩後每月利息 |
| 財務公司 A | $68,508 | $3,400 | 1.24% | $853 | $1,637 | 72 | 1.00% | $685 |
| 財務公司 B | $139,269 | $10,700 | 0.57% | $788 | $2,723 | 72 | 0.57% | $788 |
| 銀行 A | $86,930 | $4,347 | 3.00% | $2,608 | $1,597 | 72 | 0.00% | $0 |
| 銀行 B | $183,447 | $9,172 | 3.00% | $5,503 | $2,548 | 72 | 0.00% | $0 |
| 財務公司 C | $102,054 | $5,103 | 3.00% | $3,062 | $2,438 | 72 | 1.00% | $1,021 |
| 財務公司 D | $29,155 | $1,458 | 4.00% | $1,166 | $696 | 72 | 1.00% | $292 |
| 總數： | $609,363 | $34,179 | $13,980 | $11,639 | $292 |
每月節省利息開支: 13980-2785 = $11195
每月供款由 $34179 減至 $11639
個案九
姓別：男(40歲) 職業：倉務員 月入：$19,000
| 債務機構 | 欠債 | 每月最低還款 | 每月利率 | 每月利息開支 | 舒緩後供款 | 期數 | 舒緩後每月利率 | 舒緩後每月利息 |
| 銀行 A | $383,985 | $9,500 | 0.986% | $3,944 | $5,536 | 96 | 0.40% | $1,536 |
| 銀行 B | $113,695 | $5,685 | 3.000% | $3,411 | $1,639 | 96 | 0.40% | $455 |
| 銀行 C | $18,010 | $901 | 3.000% | $500 | $260 | 96 | 0.40% | $72 |
| 銀行 D | $70,325 | $3,516 | 3.000% | $1,750 | $1,014 | 96 | 0.40% | $281 |
| 總數： | $586,015 | $19,602 | $9,605 | $8,448 | $2,344 |
每月節省利息開支: 9605-2344 = $7261
每月供款由 $19602 減至 $8448
個案十
姓別：男(45歲) 職業：董事 月入：$30,000
| 債務機構 | 欠債 | 每月最低還款 | 每月利率 | 每月利息開支 | 舒緩後供款 | 期數 | 舒緩後每月利率 | 舒緩後每月利息 |
| 銀行 A | $32,037 | $1,420 | 3.000% | $954 | $471 | 68 | 0.00% | $0 |
| 銀行 B | $23,007 | $921 | 3.000% | $700 | $338 | 68 | 0.00% | $0 |
| 銀行 C | $16,364 | $1,479 | 3.000% | $491 | $241 | 68 | 0.00% | $0 |
| 銀行 D | $22,882 | $669 | 3.000% | $443 | $474 | 68 | 0.60% | $137 |
| 銀行 E | $20,122 | $669 | 3.000% | $510 | $397 | 68 | 0.60% | $101 |
| 銀行 F | $102,708 | $3,984 | 3.000% | $2,680 | $1,510 | 68 | 0.00% | $0 |
| 財務公司 A | $91,075 | $3,634 | 3.000% | $2,271 | $2,250 | 68 | 1.00% | $911 |
| 銀行 G | $59,877 | $2,589 | 3.000% | $1,814 | $881 | 68 | 0.00% | $0 |
| 銀行 H | $14,489 | $510 | 3.000% | $369 | $286 | 68 | 0.50% | $72 |
| 銀行 I | $29,655 | $2,548 | 3.000% | $843 | $555 | 68 | 0.40% | $119 |
| 銀行 J | $29,697 | $1,171 | 3.000% | $822 | $437 | 68 | 0.00% | $0 |
| 銀行 K | $117,204 | $3,300 | 3.000% | $3,170 | $1,724 | 68 | 0.00% | $0 |
| 銀行 L | $69,949 | $3,391 | 3.000% | $2,377 | $1,448 | 68 | 0.60% | $420 |
| 銀行 M | $184,712 | $6,000 | 3.000% | $1,932 | $2,716 | 68 | 0.00% | $0 |
| 銀行 N | $110,046 | $6,018 | 3.000% | $2,899 | $1,618 | 68 | 0.00% | $0 |
| 總數： | $923,824 | $38,303 | $22,275 | $15,345 |
每月節省利息開支: 22275-1759 = $20516
每月供款由 $38303 減至 $15345
個案十一
姓別：女(26歲) 職業：保險從業員 月入：$16,000
| 債務機構 | 欠債 | 每月最低還款 | 每月利率 | 每月利息開支 | 舒緩後供款 | 期數 | 舒緩後每月利率 | 舒緩後每月利息 |
| 銀行 A | $18,945 | $758 | 3.00% | $568 | $316 | 60 | 0.00% | $0 |
| 銀行 B | $29,853 | $1,057 | 0.98% | $390 | $498 | 60 | 0.00% | $0 |
| 銀行 C | $80,000 | $3,200 | 3.00% | $2,400 | $1,333 | 60 | 0.00% | $0 |
| 銀行 D | $156,910 | $3,726 | 0.50% | $859 | $2,615 | 60 | 0.00% | $0 |
| 銀行 E | $54,389 | $3,684 | 0.38% | $684 | $1,601 | 39 | 0.38% | $207 |
| 財務公司 A | $12,778 | $511 | 3.00% | $383 | $1,257 | 12 | 1.50% | $192 |
| 總數： | $352,875 | $12,936 | $5,285 | $7,620 | $398 |
每月節省利息開支: 5285-398 = $4887
每月供款由 $12935 減至 $7620
個案十二
姓別：男(42歲) 職業：註册護士 月入：$49,000
| 債務機構 | 欠債 | 每月最低還款 | 每月利率 | 每月利息開支 | 舒緩後供款 | 期數 | 舒緩後每月利率 | 舒緩後每月利息 |
| 銀行 A | $722,633 | $17,784 | 1.07% | $8,341 | $11,947 | 96 | 0.35% | $4,419 |
| 銀行 B | $546,594 | $15,617 | 0.74% | $5,740 | $8,942 | 96 | 0.40% | $3,248 |
| 銀行 C | $173,184 | $560 | 2.50% | $4,330 | $1,804 | 96 | 0.00% | $0 |
| 銀行 D | $94,900 | $5,925 | 1.00% | $949 | $989 | 96 | 0.00% | $0 |
| 銀行 E | $96,490 | $2,431 | 2.50% | $2,412 | $1,005 | 96 | 0.00% | $0 |
| 銀行 F | $64,564 | $79 | 2.50% | $1,614 | $688 | 96 | 0.60% | $16 |
| 銀行 G | $21,620 | $390 | 1.00% | $216 | $135 | 96 | 0.00% | $0 |
| 總數： | $1,719,985 | $42,787 | $23,602 | $25,510 | $7,684 |
每月節省利息開支: 23602-7684 = $15919
每月供款由 $42787 減至 $25510
個案十三
姓別：女(34歲) 職業：文員 月入：$15,000
| 債務機構 | 欠債 | 每月最低還款 | 每月利率 | 每月利息開支 | 舒緩後供款 | 期數 | 舒緩後每月利率 | 舒緩後每月利息 |
| 銀行 A | $240,000 | $4,650 | 0.549% | $1,317 | $5,080 | 60 | 0.45% | $1,080 |
| 銀行 B | $59,000 | $3,500 | 1.510% | $891 | $1,278.3 | 60 | 0.50% | $295 |
| 銀行 C | $62,000 | $2,500 | 3.000% | $1,860 | $1,033.3 | 60 | 0.00% | $0 |
| 銀行 D | $50,000 | $500 | 3.000% | $2,199 | $833.3 | 60 | 0.00% | $0 |
| 銀行 E | $22,000 | $800 | 3.000% | $660 | $366.7 | 60 | 0.00% | $0 |
| 銀行 F | $20,000 | $800 | 3.000% | $600 | $333.3 | 60 | 0.00% | $0 |
| 總數： | $453,000 | $12,750 | $7,527 | $8,925 | $1,375 |
每月節省利息開支: 7527-1375 = $6152
每月供款由 $12750 減至 $8975
個案十四
姓別：女(34歲) 職業：文員 月入：$15,000
| 債務機構 | 欠債 | 每月最低還款 | 每月利率 | 每月利息開支 | 舒緩後供款 | 期數 | 舒緩後每月利率 | 舒緩後每月利息 |
| 財務公司 A | $414,400 | $15,417 | 1.587% | $6,667 | $9,077.33 | 84 | 1.00% | $4,144 |
| 財務公司 B | $175,200 | $7,917 | 1.500% | $3,750 | $3,487.31 | 84 | 0.80% | $1,402 |
| 財務公司 C | $64,831 | $3,000 | 3.000% | $1,800 | $1,420.11 | 84 | 1.00% | $648 |
| 財務公司 D | $15,000 | $750 | 3.000% | $450 | $313.57 | 84 | 0.90% | $135 |
| 總數： | $669,431 | $27,084 | $12,667 | $14,298.33 | $6,329 |
每月節省利息開支: 12667-6329 = $6338
每月供款由 $27084 減至 $14298