Hot Offers

Low Interest Rate 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% 
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: 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); 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 2.35%
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% 
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: 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); 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 (Refund cash rebate only)
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% 
Loan-to-Value Ratio:  80% or up to 90%*
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); 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