Mainland China Property Refinancing
Free-hold properties cash-out through refinancing
Annualized interest rate as low as P-2% ( P: 5.625% ) = 3.625%
Loan amount up to 70% of the Property’s appraised value,
Repayment period of up to 20 years
Offers
Second Mortgage Scheme
No limitation on property value Exemption for stressed cap
WhatsApp us now for the lowest rates
Negotiable Repayment Penalty Period
Loan-to-Value Ratio up to 80%
Chinese Tenement Mortgage Plan
Interest Rate (p.a.): HIBOR+1.3%
Interest Rate Cap P-2% (P:5.625%) =3.625%
Cash Rebate up to 0.1% - 0.3%
Repayment Penalty Period 2 years
Loan-to-Value Ratio up to 60%
Industrial Properties Mortgage Plan
Interest Rate (p.a.): Up to P-2%
Interest Rate Cap P-2% (P: 5.625%) =3.625%
WhatsApp us now for the lowest rates
2 years Repayment Penalty Period
Loan-to-Value Ratio up to 70%
Loan Tenor up to 20 years
Commercial, retail shop Property Mortgage Plan
Interest Rate (p.a.): Up to P-2.5%
Interest Rate Cap P-2% (P: 5.625%) =3.625%
WhatsApp us now for the cash rebate
Repayment Penalty Period: 2 years
Loan-to-Value Ratio: up to 70%
Loan Tenor: up to 20 years
Car Park Mortgage Plan
Interest Rate (p.a.) up to P-2% (P:5.625%)
Net Rate (p.a.) 3.625%
2-year Repayment Penalty Period
Loan-to-Value Ratio up to 70%
Loan Tenor up to 15 years
Shorter Penalty Repayment Plan
Interest Rate (p.a.): HIBOR+1.30%
Interest Rate Cap P-2% (P: 5.625%) =3.625%
WhatsApp us now for the cash rebate
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% (P: 5.625%) =3.625%
WhatsApp us now for the cash rebate
Repayment Penalty Period 2 years
Loan-to-Value Ratio 80% or up to 90%*
Loan Tenor up to 30 years
Share Transfer Scheme
Contribution for net interest only
Interest Rate (p.a.) 12%
Repayment Penalty Period: 2 months
Loan-to-Value Ratio up to 70%
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 2025-06-30: 0.72744
