Second Mortgage Scheme
No limitation on property value Exemption for stressed cap
Net Rate (p.a.): 12% - 15.0%
Negotiable Repayment Penalty Period
Loan-to-Value Ratio up to 80%
Residential Property Offers
Chinese Tenement Mortgage Plan
Interest Rate (p.a.): HIBOR+1.3%
Interest Rate Cap P-2.25% (P:5.875%) =3.625%
Cash Rebate up to 2.70%
Repayment Penalty Period 2 years
Loan-to-Value Ratio up to 60%
Shorter Penalty Repayment Plan
Interest Rate (p.a.): HIBOR+1.40%
Interest Rate Cap P-2.25% (P:5.375%) =3.125%
Cash Rebate up to 1%
contact us for more information about Penalty Period
Loan-to-Value Ratio: 80% or up to 90%*
Loan Tenor up to 30 years
Deposit-linked Mortgage Plan
Enjoy Higher interest on savings & Reduced interest on mortgage loan
Interest Rate (p.a.): HIBOR+1.30%
Interest Rate Cap P-2.5% (P:6.00%) =3.50%
Cash Rebate up to 2.80% **
Repayment Penalty Period 2 years
Loan-to-Value Ratio 80% or up to 90%*
Loan Tenor up to 30 years
Village House Mortgage Plan
Interest Rate (p.a.): HIBOR+1.30%
Interest Rate Cap. P-2.25% (P:5.375%) = 3.125%
Cash Rebate 0.2%-1.0%
2-year Repayment Penalty Period
Loan-to-Value Ratio up to 85%*
Loan Tenor up to 30 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 2024-03-28: 4.80143
