Skip to Content

Home Ownership Scheme (HOS)

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

Net Rate (p.a.): 2.50%

Repayment Penalty Period 2 years

Loan Tenor up to 25 years

High LTV Scheme

Net Rate (p.a.): 6.375%

Loan Tenor up to 25 years

Property Owner’s Loan

No limitations on property usage & types

APR: 6.18%

Low Interest Rate Mortgage Plan

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

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%

High LTV Ratio Property Mortgage Plan

Interest Rate (p.a.): P-2.75% (P:5.25%)

Net Rate (p.a.): 2.50%

Cash Rebate up to 0.5%

Repayment Penalty Period 2 years

Loan Tenor up to 25 years

Mainland China Property Refinancing

Loan amount up to 70% of the Property’s appraised value,

Repayment period of up to 20 years

Second Mortgage Scheme

Net Rate (p.a.): 12% - 15.0%

Negotiable Repayment Penalty Period


*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 2021-12-31: 0.15911

You may also interested products