Residential Property Offers

Village House Mortgage Plan

Interest Rate (p.a.):﹕ Up to HIBOR+1.35%
Net Rate (p.a.): 1.90%
Interest Rate Cap:

2.50% 

Cash Rebate:  up to 1.0% 
Features:  Enjoy preferential savings interest rate at 1.90%
Repayment Penalty Period:  2 years
Loan-to-Value Ratio:  up to 80%*
Loan Tenor:  up to 30 years
Remarks: 

For reference: 1 month HIBOR: 0.550% on 15/06/2020

*According to Mortgage Insurance Programme (MIP), LTV ratio can be up to 80% (for property value at or below HK$9 million); or up to 90% (i. for property value at or below HK$9 million subject to loan cap of HK$7.2 million; and for ii. regular salaried first time homebuyers with a maximum debt-to-income ratio of 45%)

HKMA Measures

Home Ownership Scheme (HOS)

Interest Rate (p.a.):﹕ P-2.5% (P:5.0%)
Net Rate (p.a.): 2.50%
Cash Rebate:  up to 1.0% 
Repayment Penalty Period:  2 years
Loan-to-Value Ratio:  up to 95%
Loan Tenor:  up to 25 years
HKMA Measures

Chinese Tenement Mortgage Plan

Interest Rate (p.a.): Up to HIBOR+1.40%
Net Rate (p.a.): 1.95%
Interest Rate Cap 2.50%
Cash Rebate: up to 0.5%
 Features: Enjoy preferential savings interest rate at 1.95%
Repayment Penalty Period:  2 years
 Loan-to-Value Ratio: up to 60%
HKMA Measures

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 0.50%
Features:

Higher upper limit compared with MIP, maximum property value at $30M

Loan-to-Value Ratio:

up to 80% (value at or below $10M)

up to 70% (value at or below $30M)

Repayment Penalty Period: 2 year
Loan Tenor: up to 25 years
Remarks:

*1st mortgage LTV ratio according to HKMA mortgage measures, 2ndmortgage LTV ratio up to 20%

HKMA Measures