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Mainland China Property Refinancing

Loan amount up to 60% of the Property’s appraised value,

Repayment period of up to 20 years

Property with Tenancy Mortgage Plan

Interest Rate (p.a.) Up to HIBOR+1.35%

Interest Rate Cap P-2.75% (P:5.25%) =2.50%

Cash Rebate 1.00%

2 years Repayment Penalty Period

Loan Tenor up to 30 years

Industrial Premises Mortgage Plan

Interest Rate Cap P-2.50% (P:5.0) =2.50%

2 years Repayment Penalty Period

Loan-to-Value Ratio up to 50%

Loan Tenor up to 20 years

Shop/Commercial Property Mortgage Plan

Interest Rate (p.a.): Up to HIBOR+1.70%

Interest Rate Cap P-2.65% (P:5.25) =2.60%

Repayment Penalty Period: 2 years

Loan Tenor: up to 20 years

Car Park Mortgage Plan

Net Rate (p.a.) 2.50%

2-year Repayment Penalty Period

Loan-to-Value Ratio up to 50%

Remarks

*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

Reference

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

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