Flexible Offers

Remortgage Scheme

Interest Rate (p.a.): P-3% (P:5.375%) 
Features: Direct count by solicitors
Loan Tenor: 2 years 
Loan-to-Value Ratio: 80%
Remarks: *According to Mortgage Insurance Programme (MIP), LTV ratio can be up to 80% (for property value at or below HK$6 million)
HKMA Measures

Exemption for stressed cap Scheme

Interest Rate (p.a.): P+0.50% (P:5.375%)
Net Rate (p.a.): 5.875%
Features: exemption for stressed cap
Loan-to-Value Ratio: up to 60-70%
Loan Tenor: up to 25years
HKMA Measures

First Mortgage High LTV Scheme

Interest Rate (p.a.): P+3% (P:5.375%)
Net Rate (p.a.): 8.375%
Handling Fee: 1.20%
Loan-to-Value Ratio: up to 80%
Loan Tenor: up to 20 years
HKMA Measures

Second Mortgage Scheme

Interest Rate (p.a.): P+6.25% (P:5.25%) 
Net Rate (p.a.): 11.50%
Features:

No limitation on property value

Exemption for stressed cap

Loan-to-Value Ratio: up to 80%
Repayment Penalty Period: Negotiable
HKMA Measures

Bridging Loan Scheme

Interest Rate (p.a.):

1%

Features: To help for those who have insufficient down payment
Loan-to-Value Ratio: up to 80%
Loan Tenor: 3 to 18 months


HKMA Measures

Share Transfer Scheme

Interest Rate (p.a.): 16%
Features: Contribution for net interest only
 Loan-to-Value Ratio: 75%
Loan Tenor: 3 months
HKMA Measures