Real-Time Bank Information

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Source:Hong Kong Monetary Authority

The following mortgage information for reference only.

Bank Plan Offer Rebate
BOCHK Prime-based Mortgage Plan Residential Properties
as low as P-2.5%
(P is the Bank's HKD Best Lending Rate, which is 5%p.a. currently)
Up to 0.5% cash reward for residential properties
HIBOR Mortgage Plan Residential Properties
as low as HIBOR+1.45%, cap at P-2.5%
(P is the Bank's HKD Best Lending Rate, which is 5%p.a. currently)
Up to 0.5% cash reward for residential properties
Mortgage Insurance Programme Residential Properties
HIBOR Mortgage Plan:
as low as HIBOR+1.45%, cap at P-2.5%
Prime-based Mortgage Plan:
as low as P-2.5%
(P is the Bank's HKD Best Lending Rate, which is 5%p.a. currently)
Up to 0.5% cash reward for residential properties
Government Housing Scheme Mortgage Plan as low as P-2.5%
(P is the Bank's HKD Best Lending Rate, which is 5%p.a. currently)
Up to 0.5% cash reward for residential properties
'Smart' Mortgage Scheme Residential Properties
HIBOR Mortgage Plan:
as low as HIBOR+1.45%, cap at P-2.5%
Prime-based Mortgage Plan:
as low as P-2.5%
(P is the Bank's HKD Best Lending Rate, which is 5%p.a. currently)
Up to 0.5% cash reward for residential properties
'All-You-Want' Mortgage Scheme Residential Properties
HIBOR Mortgage Plan:
as low as HIBOR+1.45%, cap at P-2.5%
Prime-based Mortgage Plan:
as low as P-2.5%
(P is the Bank's HKD Best Lending Rate, which is 5%p.a. currently)
Up to 0.5% cash reward for residential properties
Bridging Loan P% to P-1.75%
(P is the Bank's HKD Best Lending Rate, which is 5%p.a. currently)
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Mortgage Refinancing/ Mortgage Refinancing with Top-up/Mortgage Top-up Services Residential Properties
HIBOR Mortgage Plan:
as low as HIBOR+1.45%, cap at P-2.5%
Prime-based Mortgage Plan:
as low as P-2.5%
(P is the Bank's HKD Best Lending Rate, which is 5%p.a. currently)
Up to 0.5% cash reward for residential properties
Reverse Mortgage Programme P-2.5%
(P is the Hong Kong Prime Rate quoted by The Hong Kong Mortgage Corporation Limited (HKMC), which is 5.25%p.a. currently)
Up to 0.45% cash reward during the promotion period
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HSBC Home Mortgage Loan Interest Rate: For HIBOR Plan: as low as H+1.45%, cap at P-2.5%. For Best Lending Rate Plan: as low as P-2.5%. (H and P refer to HIBOR and Best Lending Rate quoted by HSBC respectively.) --
HighAdvance Mortgage Interest Rate: For HIBOR Plan: as low as H+1.45%, cap at P-2.5%. For Best Lending Rate Plan: as low as P-2.5%. (H and P refer to HIBOR and Best Lending Rate quoted by HSBC respectively.) --
Government Housing Schemes Interest Rate: For Best Lending Rate Plan: as low as P-2.5%. (P refers to Best Lending Rate quoted by HSBC.) --
HangSeng Conventional Mortgage Plan In general, HIBOR Mortgage: H+1.35% (Cap at P-2.5%) Case by case
Mortgage-Link Loan Scheme In general, Prime-based mortgage: P-2.5% / HIBOR Mortgage: H+1.35% (Cap at P-2.5%) Case by case
Property Refinancing In general, Prime-based mortgage: P-2.5% / HIBOR Mortgage: H+1.35% (Cap at P-2.5%) Case by case
Property Secured Overdraft Facility First 6 months: P-1%, Starting from 7th month: P+1% --
Mortgage Loans for Government Housing Scheme In general, Prime-based mortgage: P-2.5% Case by case
Hang Seng "Mortgage Insurance Programme" In general, Prime-based mortgage: P-2.5% / HIBOR Mortgage: H+1.35% (Cap at P-2.5%) Case by case
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Fubon Bank Residential Mortgage Plan _Individual It is only applicable to loan amount which is HK$500,000 or above; mortgage loan amount equal to or below 60% of the purchase price or the appraised value of the property (whichever is lower); Prime - 2.65% --
Fubon HIBOR Mortgage Plan _Individual It is only applicable to loan amount which is HK$1,000,000 or above; mortgage loan amount equal or below 60% of the purchase price or the appraised value of the property (whichever is lower); Bank 1, 3 or 6 month HIBOR interest rate +1.3% or Prime rate - 2.65%; whichever is lower (for Residential Property) --
Fubon 90% Mortgage Plan It is only applicable to loan amount which is HK$500,000 or above; mortgage loan amount above 60% of the purchase price or the appraised value of the property (whichever is lower); Plan 1: Prime - 2.65%; Plan 2 : Bank 1, 3 or 6 month HIBOR interest rate +1.3% or Prime rate - 2.65%; whichever is lower --
Fubon Mortgage Plan for Government Home Ownership Scheme Fubon Mortgage Plan for Government Home Ownership Scheme (the “Plan”) is only applicable to loan amount which is HK$500,000 or above (For loan amount below HK$500,000, Fubon Bank (the “Bank”) will consider the application on a case-by-case basis); Prime - 2.65% --
Fubon Reverse Mortgage Plan for homeowners aged 55 or above to use his/her/their residential property (or more than one property) in Hong Kong as security for taking out a mortgage loan. You will remain as the owner of your property and can continue to stay at your property for the rest of your life; Prime - 2.5% --
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Public Bank(HK) Residential Property Mortgage Loan As low as HKD Prime Rate - 2.75%p.a. --
Wing Lung Mortgage Insurance Programme MIP providing mortgage insurance to banks, banks can provide mortgage loans with higher LTV ratio without incurring additional credit risk. As long as an application meets the relevant eligibility criteria (e.g. the maximum property value and the maximum loan amount, etc.), the bank can provide a mortgage loan of up to 80% LTV ratio under the MIP. --
Property Mortgage Service We also offer tailored mortgage plans for properties for investment purposes, aged buildings, village houses/ units, tenement buildings and non-residential properties at preferential interest rate. --
Reverse Mortgage Reverse mortgage is a loan arrangement. It enables a borrower to use his residential property (or more than one property) in Hong Kong as security to borrow from a lender. Although the borrower mortgages his property in favour of the lender, he remains as the owner of the property and can continue to stay in the property for the rest of his life. --
China Citic Bank Mortgage Plus With "Mortgage Plus", your designated HKD Current Account is linked to your mortgage loan account, helping you save interest expenses and shorten the repayment tenor. Interest rate as low as Prime-2.75% OR Hibor+1.5%, cap at Prime-2.75%. Up to 0.5% cash rebate
90% Mortgage Plan Mortgage Insurance Program with Interest rate as low as Prime-2.75% OR Hibor+1.5%, cap at Prime-2.75%. Up to 0.5% cash rebate
Hibor Rate-Based Mortgage Plan Mortgage Plan based on Hong Kong Interbank Offered Rate (HIBOR). Interest rate as low as Hibor+1.5%, cap at Prime-2.75%. Up to 0.5% cash rebate
Prime Rate-Based Mortgage Plan Mortgage Plan based on Prime rate. Interest rate as low as Prime-2.75%. Up to 0.5% cash rebate
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