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Remortgage & Second Mortgage Referral Service

Interest Rate (p.a.): H+1.3%

Interest Rate Cap P-2.25%

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%

2-year penalty period

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%

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-2.25% (P: 5.875%)=3.625%

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: 5.875%) =3.625%

2-year penalty period

Up to 30 years repayment period

High LTV Scheme

Net Rate (p.a.): 7.5

Loan Tenor up to 25 years

UA Finance — Property Owner’s Loan

No limitations on property usage & types

APR: 6.18%

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

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 2024-01-31: 4.58964

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