Ricacorp Mortgage Agency provides a one-stop second-hand mortgage referral service. Whether you are a first-time homebuyer, moving up and getting a second mortgage, or investing in real estate, we offer a variety of mortgage plans with cash rebate. With a team of mortgage experts with working experience in banks or financial institutions, we pride ourselves on providing professional mortgage analysis and evaluation services, and tailor-made second-hand mortgage plans for the Hong Kong market for you. Buy a home with us at ease!

Hong Kong Second-hand Mortgage Plans

Features of Low-Interest Rate Mortgage Plan for Second-hand Mortgage

Full period as low as HIBOR+1.3%
Lock-in upper limit P-2.25% (P: 5.875%) =3.625%
Up to 2%* cash rebate
2-year penalty period
Up to 80% to 90% Mortgage
Up to 30 years repayment period

First-hand and second-hand Real Estate High-cost Mortgage Plan

Higher than the upper limit of mortgage plans. The maximum property price is as high as 50 million
Full period rate as low as P-1.7% (P:6.125%)
Great interest rates as low as 4.425%
Cash rebate up to 2%*
2-year penalty period
Mortgage up to 90% (Property price of 15 million or below);
Up to 70% (Property price of 36 million or below)
Repayment period up to 25 years

Free Mortgage Pre-assessment

If you have any questions about the mortgage plans for buying a second-hand property, and want to know more about the valuation and assess your personal repayment ability, you are welcome to conduct a free property appraisal with Ricacorp Hong Kong’s Second-hand Property Mortgage Agent. Our valuation service is more professional than online banking, keeping close eyes on market conditions. You can calculate your monthly payment and interest expenses more accurately, allowing you to make the decision that best suits your needs.

Contact us

If you are interested in our second-hand mortgage referral service, or want to know more about our various mortgage plans, welcome to WhatsApp us at 5662 2730, or email us at mortgage@ricacorp.com, our experienced mortgage experts are happy to help by providing professional advice and individual analysis, so that you could easily achieve your real estate goals in Hong Kong. All consulting services are at absolutely $0 cost.

*with extra bonus rebate, please contact us