H+1.35%

HIBOR Plan Rate

P(5.25%)-2.75%

Interest Rate Cap

^HK$32,000

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, calculate your loan amount and interest rate now

  • Accumulate up to 200,000 Asia Miles with drawdown of mortgage

  • Up to 1.50% cash rebate available

Handling Fees

Application Fee	NA
Cancellation Fee	0.15% of the loan amount
Min. Cancellation Fee	HK$5,000
Max. Cancellation Fee	HK$15,000
Change of Mortgage Plan	HK$2,000
Per Request
Change of Mortgagor/ Guarantor/Mortgage Deed	HK$1,000
Per request
Change of Loan Terms	HK$500
Change of Repayment Terms & Tenor	HK$1,000
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$4,000
Per year

Late Payment Fees and Charges

Per Failure to make full payment	1% of principal amount and interest outstanding
Additional administrative fee	HK$380

Early Settlement Fee

Full Prepayment Charge	1–3% of original loan amount
Within 3 Year of drawdown
Partial Prepayment Charge	1–3% of original loan amount
Within 3 Year 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