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Residential Property Offers
Low Interest Rate Mortgage Plan
Interest Rate (p.a.): HIBOR+1.3%
Interest Rate Cap P-2.75% (P: 5.25%) =2.50%
Cash Rebate up to 1.4% **
Repayment Penalty Period 2 years
Loan-to-Value Ratio 80% or up to 90%*
Loan Tenor up to 30 years
Stress Test Exemption Scheme
exemption to the stress test
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
Home Ownership Scheme (HOS)
Interest Rate (p.a.): P-2.50% (P:5.0%)
Net Rate (p.a.): 2.50%
Cash Rebate up to 0.5%
Repayment Penalty Period 2 years
Loan-to-Value Ratio: up to 95%
Loan Tenor up to 25 years
First Hand High Ratio Property Mortgage Plan
Higher upper limit compared with MIP, maximum property value at HK$30 million
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-to-Value Ratio: up to 80% (value at or below $10M) & up to 70% (value at or below $30M)
Loan Tenor up to 25 years
Second Mortgage Scheme
No limitation on property value Exemption for stressed cap
Net Rate (p.a.): 12% - 15.0%
Negotiable Repayment Penalty Period
Loan-to-Value Ratio up to 80%
Chinese Tenement Mortgage Plan
Interest Rate (p.a.): HIBOR+1.4%
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%
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
Repayment Penalty Period: 1 year
Loan-to-Value Ratio: 80% or up to 90%*
Loan Tenor up to 30 years
Deposit-linked Mortgage Plan
Enjoy Higher interest on savings & Reduced interest on mortgage loan
Interest Rate (p.a.): HIBOR+1.30%
Interest Rate Cap P-2.75% (P:5.25%) =2.50%
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
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 2021-04-30: 0.09018
