P(5.38%)-2.75%

P Plan Rate

5.375%

Best Lending Rate (=P)

^HK$20,000

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

  • Up to 1.50% cash rebate available

Handling Fees

Application Fee	NA
Cancellation Fee	0.5% of loan amount
Min. Cancellation Fee	Min HK$8,000
Change of Mortgage Plan	HK$2,000
Change of Repayment Plan	HK$1,000
Per Request
Change of Mortgagor/ Guarantor/Mortgage Deed	HK$2,000
Per Request
Change of Loan Terms	HK$1,000
Per Request
Per Request for extra document copies	From HK$100
Custody of non-discharged deeds after full loan repayment	HK$ 2,000
Per Year

Late Payment Fees and Charges

Per Failure to make full payment	NA

Early Settlement Fee

Full Prepayment Charge	% of Loan Amount
Within 1st Year of drawdown	3
Within 2nd Year of drawdown	2
Within 3rd Year of drawdown	1
Partial Prepayment Charge	% of Loan Amount
Within 1st Year of drawdown	3
Within 2nd Year of drawdown	2
Within 3rd Year of drawdown	1
(Min. HK$100, 000 to be prepaid)
Prepayment Fee	HK$500
Per Request

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