H+1.35%

HIBOR Plan Rate

P(5.0%)-2.5%

Interest Rate Cap

^HK$40,000

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

  • Can opt for loan of insurance premium on top of mortgage sum

  • Up to 1.50% cash rebate available

Handling Fees

Application Fee	HK$1,000 - HK$2,000
Cancellation Fee	0.5% of the loan amount
Min. Cancellation Fee	HK$5,000
Change of Mortgage Plan	HK$1,500
Per Account
Change of Repayment Plan	HK$1,000
Per Account
Per Request for extra document copies	From HK$100
Per Lease Consent Letter on Charged Property	HK$1,000
Custody of non-discharged deeds after full loan repayment	HK$3,000
Per Year

Late Payment Fees and Charges

Per Failure to make full payment	HK$400
Except customers under Home Ownership Scheme and Tenant Purchases Scheme

Early Settlement Fee

Full Prepayment Charge	% of Loan Amount
Within 1 Year of drawdown	1% or HK$10,000
Partial Prepayment Charge
Within 3 Years of drawdown	0.5% of prepaid amount or HK$800
After 3 Years of drawdown	HK$800
Except customers under Home Ownership Scheme and Tenant Purchases Scheme (for both)

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