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Home Ownership Scheme (HOS) Mortgage

As low as P-2.50% for the whole period (P: 5.375%)

Great interest rates as low as 2.875%

2-year penalty period

Up to 25 years repayment period

First Hand Property Mortgage

Full period as low as HIBOR+1.3%

Lock-in upper limit P-2.5% (P: 5.375%) =2.875%

2-year penalty period

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: 5.375%) =3.125%

2-year penalty period

Up to 30 years repayment period

Home Ownership Scheme (HOS)

Interest Rate (p.a.): P-2.50% (P:5.0%)

Net Rate (p.a.): 2.50%

Repayment Penalty Period 2 years

Loan Tenor up to 25 years

High LTV Scheme

Net Rate (p.a.): 7.5

Loan Tenor up to 25 years

Low Interest Rate Mortgage Plan

Cash Rebate up to 2% **

Repayment Penalty Period 2 years

Loan-to-Value Ratio 80% or up to 90%*

Loan Tenor up to 30 years

Stress Test Exemption Scheme

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

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 Tenor up to 25 years

Second Mortgage Scheme

Net Rate (p.a.): 12% - 15.0%

Negotiable Repayment Penalty Period

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$12m, maximum LTV ratio up to 80%. Property value above HK$12m and up to HK$19.2m, maximum LTV ratio 50% - 80% (subject to a loan cap of HK$9.6m). For further information please contact us. WHATSAPP: 56622730
**with extra bonus rebate, please contact us

Reference

Hong Kong Interbank Offered Rate (HIBOR), as of 2022-12-30: 4.34643

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