The precise terms of these loans vary between ais , with some subject to an interest rate cap with reference to their own prime rates , while others may switch to another reference rate at some point during the life of the loan 不同的认可机构对这类贷款的确切条款会有所不同，其中部分贷款订有参考认可机构本身的最优惠利率设定的利率上限，部分则会在贷款期内的某个时间转用另一个参考利率。
In fact , the reference to prime unnecessarily links the pricing of mortgage lending to the pricing of other prime based lending , depriving banks of the flexibility of making independent adjustments to the mortgage rate or the lending rates for other loans 事实上，以最优惠利率为参考利率，不必要地将按揭贷款的定价与其他根据最优惠利率定价的贷款挂，令银行无法灵活地独立调整按揭贷款利率以至其他类型的贷款利率。
