H+1.3%

HIBOR Plan Rate

P(5.25%)-2.75%

Interest Rate Cap

^HK$48,000

Max Cash Rebate

All Details

• Key Features

  • Property valuation fee waiver

  • Up to 30 years repayment tenor

  • Borrow up to 90% of the property purchase price

  • Complementary fire insurance for one year

  • Up to 1.60% cash rebate available

Handling Fees

Application Fee	NA
Cancellation Fee	0.25% of loan amount
Min. Cancellation Fee	Min HK$5,000
Change of Mortgage Plan	HK$ 1,000
Per Term
Change of Repayment Plan	HK$ 1,000
Per request
Change of Mortgagor/ Guarantor/Mortgage Deed	HK$ 1,000
Per request
Change of Loan Terms	HK$ 1,000
Per Request for extra document copies	From HK$100
Per Lease Consent Letter on Charged Property	HK$ 1,000

Late Payment Fees and Charges

Per Failure to make full payment	NA

Early Settlement Fee

Full Prepayment Charge	Up to 3 % of the prepaid amount
Within 3 years of drawdown
Partial Prepayment Charge	Up to 3 % of the prepaid amount
Within 3 years of drawdown

Required Documents

Hong Kong ID Cards or passports
3 Months Bank Statements
Proof of Employment
Agreement for Newly Purchased Properties
Existing Refinance Documents (if applicable)
Latest Tax Demand Note
Residential Proof

Policy Material

Key Facts Statement	Read More