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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.): 6.375%

Loan Tenor up to 25 years

Property Owner’s Loan

No limitations on property usage & types

APR: 6.18%

Low Interest Rate Mortgage Plan

Cash Rebate up to 1.65% **

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:5.50%)

Net Rate (p.a.): 6.50%

Loan-to-Value Ratio: 60% or up to 70%

Loan Tenor up to 25 years

Remortgage Scheme

Interest Rate Cap: P-2.5% (P: 5.0%)=2.5%

Repayment Penalty Period: 2 years

Loan-to-Value Ratio up to 80%

High LTV Ratio Property Mortgage Plan

Interest Rate (p.a.): P-2.75% (P:5.25%)

Net Rate (p.a.): 2.50%

Cash Rebate up to 0.5%

Repayment Penalty Period 2 years

Loan Tenor up to 25 years

Mainland China Property Refinancing

Loan amount up to 70% of the Property’s appraised value,

Repayment period of up to 20 years

Second Mortgage Scheme

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

Negotiable Repayment Penalty Period


*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


Hong Kong Interbank Offered Rate (HIBOR), as of 2022-05-31: 0.19542

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