Skip to Content

High LTV Ratio Property Mortgage Plan

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 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

Chinese Tenement Mortgage Plan

Interest Rate Cap P-2.25% (P:5.375%) =3.125%

Cash Rebate up to 1.0%

Repayment Penalty Period 2 years

Loan-to-Value Ratio up to 60%

Industrial Properties Mortgage Plan

Interest Rate Cap P-2.15% (P:5.375) =3.225%

2 years Repayment Penalty Period

Loan-to-Value Ratio up to 50%

Loan Tenor up to 20 years

Commercial, retail shop Property Mortgage Plan

Interest Rate (p.a.): Up to HIBOR+1.70%

Interest Rate Cap P-2.15% (P:5.375) =3.225%

Repayment Penalty Period: 2 years

Loan Tenor: up to 25 years

Car Park Mortgage Plan

Net Rate (p.a.) 3.225%

2-year Repayment Penalty Period

Loan-to-Value Ratio up to 50%

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%

Loan-to-Value Ratio: 80% or up to 90%*

Loan Tenor up to 30 years

Deposit-linked Mortgage Plan

Interest Rate (p.a.): HIBOR+1.30%

Interest Rate Cap P-2.5% (P:5.625%) =3.125%

Repayment Penalty Period 2 years

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$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

Reference

Hong Kong Interbank Offered Rate (HIBOR), as of 2022-12-30: 4.34643

You may also interested products