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Stress Test Exemption Scheme

Interest Rate (p.a.): P+1.0% (P:5.50%)

Net Rate (p.a.): 6.50%

Loan-to-Value Ratio: 60% or up to 70%

Loan Tenor up to 25 years

Remortgage Scheme

Interest Rate Cap: P-2.5% (P: 5.0%)=2.5%

Repayment Penalty Period: 2 years

Loan-to-Value Ratio up to 80%

First Mortgage High LTV Scheme

Net Rate (p.a.): 6.50%

Loan Tenor up to 25 years

Second Mortgage Scheme

Interest Rate (p.a.): P+9.75% (P:5.25%)

Net Rate (p.a.): 15.0%

Negotiable Repayment Penalty Period

Share Transfer Scheme

Interest Rate (p.a.) 12%

Repayment Penalty Period: 2 months

Bridging Loan Scheme

Loan-to-Value Ratio up to 80%


*LTV ratio can be up to 80% (for property value at or below HK$10 million); and for regular salaried first time homebuyers with a maximum debt-to-income ratio of 50%)
**with extra bonus rebate, please contact us


Hong Kong Interbank Offered Rate (HIBOR), as of 2020-10-30: 0.40268

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