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Home Ownership Scheme (HOS)

Interest Rate (p.a.): P-2.50% (P:5.0%)

Net Rate (p.a.): 2.50%

Cash Rebate up to 1.0%

Repayment Penalty Period 2 years

Loan Tenor up to 25 years

First Hand High Ratio Property Mortgage Plan

Interest Rate (p.a.): P-2.65% (P:5.25%)

Net Rate (p.a.): 2.60%

Cash Rebate up to 0.5%

Repayment Penalty Period 2 years

Loan Tenor up to 25 years

Chinese Tenement Mortgage Plan

Interest Rate Cap P-2.75% (P:5.25%) =2.5%

Cash Rebate up to 1.0%

Repayment Penalty Period 2 years

Loan-to-Value Ratio up to 60%

Low Interest Rate Mortgage Plan

Cash Rebate up to 1.0% **

Repayment Penalty Period 2 years

Loan-to-Value Ratio 80% or up to 90%*

Loan Tenor up to 30 years

Shorter Penalty Repayment Plan

Interest Rate (p.a.): HIBOR+1.40%

Interest Rate Cap P-2.7% (P:5.5%) =2.8%

No Cash Rebate

Loan-to-Value Ratio: 80% or up to 90%*

Loan Tenor up to 30 years

Deposit-linked Mortgage Plan

Interest Rate (p.a.): HIBOR+1.35%

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

Repayment Penalty Period 2 years

Loan-to-Value Ratio 80% or up to 90%*

Loan Tenor up to 30 years

Village House Mortgage Plan

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

Cash Rebate 0.2%-1.0%

2-year Repayment Penalty Period

Loan-to-Value Ratio up to 85%*

Loan Tenor up to 30 years

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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