Residential Property Offers

Village House Mortgage Plan

Interest Rate (p.a.):﹕ Up to HIBOR+1.24%
Net Rate (p.a.): 2.375%
Interest Rate Cap:

P-3.0% 

(P:5.375%)

Cash Rebate:  up to 1.95% 
Features:  Enjoy preferential savings interest rate at 2.375%
Repayment Penalty Period:  2 years
Loan-to-Value Ratio:  up to 80%*
Loan Tenor:  up to 30 years
Remarks: 

For reference: 1 month HIBOR: 1.09% on 13/11/2018

*According to Mortgage Insurance Programme (MIP), LTV ratio can be up to 80% (for property value at or below HK$6 million)

HKMA Measures

Home Ownership Scheme (HOS)

Interest Rate (p.a.):﹕ P-2.75% (P:5.125%)
Net Rate (p.a.): 2.375%
Cash Rebate:  up to 1.0% 
Repayment Penalty Period:  2 years
Loan-to-Value Ratio:  up to 95%
Loan Tenor:  up to 25 years
HKMA Measures

Chinese Tenement Mortgage Plan

Interest Rate (p.a.): Up to HIBOR+1.24%
Net Rate (p.a.): 2.375%
Interest Rate Cap P-3.0% (P:5.375%)
Cash Rebate: up to 1.95%
 Features: Enjoy preferential savings interest rate at 2.375%
Repayment Penalty Period:  2 years
 Loan-to-Value Ratio: up to 60%
HKMA Measures

First Hand Property Mortgage Plan

Interest Rate (p.a.): 

P-2.9% (P:5.25%)

Net Rate (p.a.): 2.35%
Cash Rebate: up to 1%
Features:

Higher upper limit compared with MIP, maximum property value at $40M

Loan-to-Value Ratio:

up to 80% (value at or below $10M)

up to 65% (value at or below $20M)

up to 60% (value at or below $40M)

Repayment Penalty Period: 1 year
Loan Tenor: up to 25 years
Remarks:

For first hand property only

*1st mortgage LTV ratio according to HKMA mortgage measures, 2ndmortgage LTV ratio up to 15%
HKMA Measures