Remortgage Scheme
Clear debts through insolvency solicitor
Interest Rate (p.a.) HIBOR+1.30%
Interest Rate Cap: P-2.25% (P: 5.875%)=3.625%
Up to 3.05%
Repayment Penalty Period: 2 years
Loan-to-Value Ratio up to 80%
Offers
High LTV Ratio Property Mortgage Plan
Higher upper limit compared with MIP, maximum property value at HK$30 million
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-to-Value Ratio: up to 80% (value at or below $10M) & up to 70% (value at or below $30M)
Loan Tenor up to 25 years
Mainland China Property Refinancing
Free-hold properties cash-out through refinancing
Annualized interest rate as low as P-2.1% ( P: 6.125% ) = 4.025%
Loan amount up to 70% of the Property’s appraised value,
Repayment period of up to 20 years
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%
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%
Industrial Properties Mortgage Plan
Interest Rate (p.a.): Up to P-2.5%
Interest Rate Cap P-2.5% (P:6.125) =3.625%
Up to 1%
2 years Repayment Penalty Period
Loan-to-Value Ratio up to 60%
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-2.5% (P:6.125) =3.625%
Up tp 1%
Repayment Penalty Period: 2 years
Loan-to-Value Ratio: up to 60%
Loan Tenor: up to 25 years
Car Park Mortgage Plan
Interest Rate (p.a.) up to P-2.15% (P:5.375%)
Net Rate (p.a.) 3.225%
2-year Repayment Penalty Period
Loan-to-Value Ratio up to 50%
Loan Tenor up to 15 years
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
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
