Remortgage & Second Mortgage Referral Service
Interest Rate (p.a.): H+1.3%
Interest Rate Cap P-2.25%
Up to 3.05%** cash rebate
Up to 30 years repayment period
Residential Property Offers
White Form Secondary Market Scheme (WSM) Mortgage
P-1.75% for the whole period (P: 5.875%)
Great interest rates as low as 4.125%
Up to 2% cash rebate
2-year penalty period
Up to 90% mortgage
Up to 25 years repayment period
Home Ownership Scheme (HOS) Mortgage
As low as P-1.75% for the whole period (P: 5.875%)
Great interest rates as low as 4.125%
Up to 2% cash rebate
2-year penalty period
Up to 95% mortgage
Up to 25 years repayment period
First Hand Property Mortgage
Full period as low as HIBOR+1.3%
Lock-in upper limit P-2.25% （P: 5.875%）=3.625%
Up to 2.90%** cash rebate
2-year penalty period
Up to 80% to 90%* Mortgage
Up to 30 years repayment period
Second-hand Mortgage Hong Kong
Full period as low as HIBOR+1.3%
Lock-in upper limit P-2.25% (P: 5.875%) =3.625%
Up to 2.90%* cash rebate
2-year penalty period
Up to 80% to 90% Mortgage
Up to 30 years repayment period
High LTV Scheme
Low Interest Rate Mortgage Plan
Interest Rate (p.a.): HIBOR+1.30%
Interest Rate Cap P-2.25% (P: 5.875%) =3.625%
Cash Rebate up to 3.15% **
Repayment Penalty Period 2 years
Loan-to-Value Ratio 80% or up to 90%*
Loan Tenor up to 30 years
Stress Test Exemption Scheme
exemption to the stress test
Interest Rate (p.a.): P+1.0% (P:5.875%)
Net Rate (p.a.): 6.875%
Loan-to-Value Ratio: 60% or up to 70%
Loan Tenor up to 25 years
High LTV Ratio Property Mortgage Plan
Higher upper limit compared with MIP, maximum property value at HK$30 million
Interest Rate (p.a.): P-2.5% (P:5.625%)
Net Rate (p.a.): 3.125%
Cash Rebate up to 1%
Repayment Penalty Period 2 years
Loan-to-Value Ratio: up to 80% (value at or below $10M) & up to 70% (value at or below $30M)
Loan Tenor up to 25 years
Remarks
*Property value up to HK$10m，maximum loan-to-value (LTV) ratio up to 90%. Property value above HK$10m and below HK$11.25m, maximum LTV ratio 80% - 90% (subject to a loan cap of HK$9m). Property value HK$11.25m and up to HK$15m, maximum LTV ratio up to 80%. Property value above HK$15m and up to HK$17.15m, maximum LTV ratio 70% - 80% (subject to a loan cap of HK$12m). Property value HK$17.15m and up to HK$30m, maximum LTV ratio up to 70%. For further information please contact us. WHATSAPP: 56622730
**To get extra bonus rebate, please contact us.
Reference
Hong Kong Interbank Offered Rate (HIBOR), as of 2023-11-30: 5.51673
