Hot Offers

Low Interest Rate Mortgage Plan

Interest Rate (p.a.):﹕ Up to HIBOR+1.26%
Net Rate (p.a.): 1.99%
Interest Rate Cap:

P-3.1% 

(P:5.25%)

Cash Rebate:  up to 1.8% 
Repayment Penalty Period:  2 years
Loan-to-Value Ratio:  80% or up to 90%*
Loan Tenor:  up to 30 years
Remarks: 

For reference: 1 month HIBOR: 0.73% on 15/2/2018

*According to Mortgage Insurance Programme (MIP), LTV ratio can be up to 80% (for property value at or below HK$6 million); or up to 90% (i. for property value at or below HK$4.5 million subject to loan cap of HK$3.6 million; and for ii. regular salaried first time homebuyers with a maximum debt-to-income ratio of 45%)

HKMA Measures

Deposit-linked Mortgage Plan

Features:  Enjoy preferential savings interest rate at 1.99%
Interest Rate (p.a.):﹕ Up to HIBOR+1.26%
Net Rate (p.a.): 1.99%
Interest Rate Cap:

P-3.1% 

(P:5.25%)

Cash Rebate:  up to 1.8% 
Repayment Penalty Period:  2 years
Loan-to-Value Ratio:  80% or up to 90%*
Loan Tenor:  up to 30 years
Remarks: 

For reference: 1 month HIBOR: 0.73% on 15/2/2018

*According to Mortgage Insurance Programme (MIP), LTV ratio can be up to 80% (for property value at or below HK$6 million); or up to 90% (i. for property value at or below HK$4.5 million subject to loan cap of HK$3.6 million; and for ii. regular salaried first time homebuyers with a maximum debt-to-income ratio of 45%)

HKMA Measures

Fixed Rate Mortgage Plan

Interest Rate (p.a.):﹕

Fixed rate at 1.68% for the 1st year
Fixed rate at 2.15% for the 2nd year

Thereafter Interest Rate:﹕ HIBOR+1.3%
Net Rate (p.a.): 2.03%
Interest Rate Cap:

P-3.1% 

(P:5.25%)

Cash Rebate:  up to 1.7% 
Repayment Penalty Period:  3 years
Loan-to-Value Ratio:  80% or up to 90%*
Loan Tenor:  up to 30 years
Remarks: 

For reference: 1 month HIBOR: 0.73% on 15/2/2018

*According to Mortgage Insurance Programme (MIP), LTV ratio can be up to 80% (for property value at or below HK$6 million); or up to 90% (i. for property value at or below HK$4.5 million subject to loan cap of HK$3.6 million; and for ii. regular salaried first time homebuyers with a maximum debt-to-income ratio of 45%)

HKMA Measures

Penalty-free Repayment Plan

Repayment Penalty Period:   2 years (Penalty-free if no cash rebate)
Interest Rate (p.a.):﹕ Up to HIBOR+1.26%
Net Rate (p.a.): 1.99%
Interest Rate Cap:

P-3.1% 

(P:5.25%)

Cash Rebate:  up to 1.8% 
Loan-to-Value Ratio:  80% or up to 90%*
Loan Tenor:  up to 30 years
Remarks: 

For reference: 1 month HIBOR: 0.73% on 15/2/2018

*According to Mortgage Insurance Programme (MIP), LTV ratio can be up to 80% (for property value at or below HK$6 million); or up to 90% (i. for property value at or below HK$4.5 million subject to loan cap of HK$3.6 million; and for ii. regular salaried first time homebuyers with a maximum debt-to-income ratio of 45%)

HKMA Measures