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Basic Mortgage
Property details
Mortgage Process![](images/common/graphic_steps-01.svg)
Verbal valuation and pre-approval
To avoid the problem of undervaluation, you should do a verbal valuation and pre-approval by mReferral or bank before signing the contract.
Mortgage Process![](images/common/graphic_steps-02.svg)
Sign the Provisional Agreement for Sale and Purchase
To avoid the problem of undervaluation, you should do a verbal valuation and pre-approval by mReferral or bank before signing the contract.
Mortgage Process![](images/common/graphic_steps-03.svg)
Seek advice from mReferral
Apply for a mortgage loan from at least three banks. If you want to apply in one go, mReferral would definitely help.
Mortgage Process![](images/common/graphic_steps-04.svg)
Submit documents
Provisional Agreement for Sale and Purchase, copy of ID card of borrower and guarantor (if any), income proof, e.g. employment contract/latest salary slip, bank book/statements showing salary income or latest tax demand note
Mortgage Process![](images/common/graphic_steps-05.svg)
Bank approves mortgage application
It usually takes a week to a month for the bank to approve a mortgage. Compare and choose the bank with the most suitable terms, and sign the letter of loan offer with bank. The bank will send a letter to your law firm to inform the lawyer to prepare the mortgage deed.
Mortgage Process![](images/common/graphic_steps-06.svg)
Sign documents at law firm
Before the transaction day, the buyer and the guarantor (if any) go to the law firm to sign the mortgage deed and other documents required by the bank.
Mortgage Process![](images/common/graphic_steps-07.svg)
Complete transaction
The law firm informs the bank that the bank will deliver the loan to the law firm to arrange delivery to the seller, and the transaction is completed. After the transaction is completed, the bank will issue a cash rebate for the mortgage within one month. In addition, a repayment process table will be sent to inform customers of the detailed information of the principal, interest and balance of the monthly payment.
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Mortgage Comparison
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Mortgage type 0 results
Mortgage options
- Prime plan
- Hibor plan
- Mortgage link
- Cash rebate
- High LTV
Sort
- Interest rate
- Monthly repayment
- Cash rebate
- Max. LTV ratio
Compare
p
7.750%
Interest rate
$
Monthly repayment
%
Cash rebate
$
Rebate amount
80%
Max. LTV ratio
- As low as P+1.75% to 2%
- 2 years penalty period
- P=6%
- Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
p
4.125%
Interest rate
$
Monthly repayment
%
Cash rebate
$
Rebate amount
65%
Max. LTV ratio
- Property Location: Zhuhai, Guangzhou
- Applicable to first-hand and second-hand residential properties
- 甲、乙、丙地段的公寓及別墅
- Borrow and repay in Hong Kong dollar
- Loan amount: HK$1m-15m, LTV up to 65% (Depends on property type and location)
- Tenor: 5-30 years
- 5-day express approval service
- Free preliminary assessment service
- Eligible for Hong Kong residents with Hong Kong Identity Card and Mainland Travel Permit Holders only
- P=6%
- All terms and conditions are subject to the final approval of the bank
h
4.125%
Interest rate
$
Monthly repayment
%
Cash rebate
$
Rebate amount
90%
Max. LTV ratio
- As low as H+1.3%
- Cap P-2.5
- Up to 2.8% cash rebate (Loan amount: $8M or above)
- 2 years penalty period
- H=6%
- Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank
p
4.125%
Interest rate
$
Monthly repayment
%
Cash rebate
$
Rebate amount
95%
Max. LTV ratio
- As low as P-2.25%
- Up to 1.9% cash rebate
- Mortgage period up to 25 years
- 2 years penalty period
- P=5.75%
- Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
p
4.125%
Interest rate
$
Monthly repayment
%
Cash rebate
$
Rebate amount
60%
Max. LTV ratio
- Property Location (First-hand Purchase): Guangzhau, Zhuhai and Zhongshan
- Property Location (Existing Suite): Guangzhau, Zhuhai, Zhongshan and Shenzhen
- Applicable to first-hand residential properties (off-the-plan and existing)
- Borrow in HKD and repay in HKD
- Loan Amount: Up to 60% of the purchase price or appraised value of the property (capped at HKD 15 million)
- Bank charges: 0.5% of loan amount (Min amount; $5,000)
- Only applicable to Hong Kong residents holding a Hong Kong identity card
- Maximum term: 30 years
- Cash out by own property
- P=6%
- All terms and conditions are subject to the final approval of the bank
p
4.125%
Interest rate
$
Monthly repayment
%
Cash rebate
$
Rebate amount
70%
Max. LTV ratio
- Property Location: Shenzhen, Guangzhou, Zhuhai, Zhongshan, Dongguan, Foshan, Huizhou, Zhaoqing and Jiangmen
- 適用於指定一手現房/期房及一手/二手現契房
- Borrow in HKD and repay in HKD
- Loan Amount: Up to HKD 30 million
- Mortgage ratio: up to 70% for first hand and up to 60% for second hand property (calculated based on real estate transaction price or appraised price, whichever is lower)
- Bank charges: 0.5% of loan amount
- Only applicable to Hong Kong residents holding a Hong Kong identity card
- Maximum term: 25 years
- One day approval service
- Cash out by own property
- P=6%
- All terms and conditions are subject to the final approval of the bank
p
4.125%
Interest rate
$
Monthly repayment
%
Cash rebate
$
Rebate amount
60%
Max. LTV ratio
- Property Location: Shenzhen, Guangzhou, Foshan, Zhuhai, Dongguan, Zhongshan, Jiangmen, Huizhou, Zhaoqing, Beijing and Shanghai
- Applicable to Private Residential Properties (First-hand: Applicable to designated properties; Second-hand: Applicable to further charge of mortgage)
- Borrow in HKD and repay in HKD
- Loan Amount: Up to 60% of the purchase price or appraised value of the property (capped at HKD 10 million)
- Bank charges: 0.5% of loan amount
- Only applicable to Hong Kong residents holding a Hong Kong identity card
- Mortgage documents handled by the Bank’s designated Hong Kong and Mainland law firms
- Maximum term: 20 years
- Property insurance free for first-year (underwritten by Asia-Pacific Property & Casualty Insurance Co., Ltd)
- P=6%
- All terms and conditions are subject to the final approval of the bank
p
4.125%
Interest rate
$
Monthly repayment
%
Cash rebate
$
Rebate amount
60%
Max. LTV ratio
- Property Location: Shenzhen, Zhongshan, Zhuhai, Guangzhou, Foshan, Dongguan, Huizhou, Zhaoqing and Jiangmen
- 適用指定一手住房或現契住房
- Borrow in HKD and repay in HKD
- Loan Amount: Property price below HKD10 million, up to 60% (up to HKD 5 million); HKD10 million or above, up to 50%
- Only applicable to Hong Kong residents holding a Hong Kong identity card
- Maximum term: 30 years
- No bank handling and valuation charges
- P=6%
- All terms and conditions are subject to the final approval of the bank
p
12.000%
Interest rate
$
Monthly repayment
%
Cash rebate
$
Rebate amount
80%
Max. LTV ratio
- Listed company member
- Only interest payment is required during the period, no principal payment is required
- No hidden fees for early repayment or renewal
- No stress test
- Undertake various types of property mortgages (including residential, industrial and commercial shops, parking spaces, etc.)
- No restriction on loan amount
- All terms and conditions are subject to the final approval of Legend Credit Limited
- To borrow or not to borrow? Borrow only if you can repay !
h
4.125%
Interest rate
$
Monthly repayment
%
Cash rebate
$
Rebate amount
90%
Max. LTV ratio
- As low as P-2.25%
- High mortgage-linked interest
- Up to 1.9% cash rebate
- 2 years penalty period
- P=5.75%
- Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
p
Bank offer
- Covers the most cities in the Greater Bay Area
- Covering more cities outside the Greater Bay Area
- Applicable to residential, office and shop
p
4.750%
Interest rate
$
Monthly repayment
%
Cash rebate
$
Rebate amount
60%
Max. LTV ratio
- Property Location: Beijing, Shanghai, Guangzhou, Shenzhen, Zhongshan, Shunde, Shantou, Fuzhou, Quanzhou, Tianjin, Dongguan, Zhuhai and Foshan
- Suitable for residences, apartments, office buildings, shops
- Borrow in HKD and repay in HKD
- Loan Amount: Up to 60% of the purchase price or appraised value of the property
- Bank charges: 0.5% of loan amount
- Only applicable to Hong Kong residents holding a Hong Kong identity card
- Maximum term: 20 years
- Cash out by own property
- P=5.75%
- All terms and conditions are subject to the final approval of the bank
p
4.125%
Interest rate
$
Monthly repayment
%
Cash rebate
$
Rebate amount
85%
Max. LTV ratio
- As low as P-2.25%
- High mortgage-linked interest
- Up to 1.9% cash rebate
- 2 years penalty period
- P=5.75%
- Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
h
4.125%
Interest rate
$
Monthly repayment
%
Cash rebate
$
Rebate amount
70%
Max. LTV ratio
- As low as H+1.3%
- Capped at P-2.5%
- Cash rebate up to 2.2% (Loan amount: $2M or above)
- With deposit link account
- 2 years penalty period
- Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
p
Financial company offer
- Easy approval
- Low 1st installment
- High LTV Plan
- 2 years penalty period
p
9.125%
Interest rate
$
Monthly repayment
%
Cash rebate
$
Rebate amount
80%
Max. LTV ratio
- As low as P+2.25%
- Low down payment
- 2 years penalty period
- P=6%
- Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
h
Bank offer
- Low interest H-Plan
- High mortgage-link interest
- 2 years penalty period
h
4.125%
Interest rate
$
Monthly repayment
%
Cash rebate
$
Rebate amount
70%
Max. LTV ratio
- As low as H+1.35%
- Up to 2.9% cash rebate Loan amount: $10M or above
- 2 years penalty period
- With deposit-link account
h
4.125%
Interest rate
$
Monthly repayment
%
Cash rebate
$
Rebate amount
90%
Max. LTV ratio
- As low as H+1.3%
- Up to 2.9% cash rebate
- 2 years penalty period
- P=6%
- Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
p
7.250%
Interest rate
$
Monthly repayment
%
Cash rebate
$
Rebate amount
70%
Max. LTV ratio
- As low as P+1%
- 2 years penalty period
- P=6.25%
- Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank. For details, please call mReferral hotline 319-66666.
p
4.225%
Interest rate
$
Monthly repayment
%
Cash rebate
$
Rebate amount
70%
Max. LTV ratio
- First hand: As low as P-2.15%
- 2 years penalty period
- P=5.75%
- Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank. For details, please call mReferral hotline 319-66666.
p
8.000%
Interest rate
$
Monthly repayment
%
Cash rebate
$
Rebate amount
60%
Max. LTV ratio
- P+1.5%-3% for the whole period
- LTV up to 60%
- 2 years penalty period
- Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank. For details, please call mReferral hotline 319-66666.
p
4.225%
Interest rate
$
Monthly repayment
%
Cash rebate
$
Rebate amount
70%
Max. LTV ratio
- As low as P-2.15%
- 2 years penalty period
- P=5.75%
- Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
h
4.125%
Interest rate
$
Monthly repayment
%
Cash rebate
$
Rebate amount
85%
Max. LTV ratio
- As low as H+1.3% (Applicable to loan amount of $5 million or above)
- High mortgage-linked interest
- Up to 2.3% cash rebate
- 2 years penalty period
- P=6%
- Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
h
4.125%
Interest rate
$
Monthly repayment
%
Cash rebate
$
Rebate amount
95%
Max. LTV ratio
- As low as H+1.3%
- Up to 2.3% cash rebate
- Mortgage period up to 25 years
- 2 years penalty period
- P=5.75%
- Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
p
Financial company offer
- Easy approval
- Low 1st installment
- High LTV Plan
- 2 years penalty period
p
7.250%
Interest rate
$
Monthly repayment
%
Cash rebate
$
Rebate amount
70%
Max. LTV ratio
- LTV up to 70% or amount up to $35 million (whichever is lower)
- 2 years penalty period
- No cash rebate
- Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
p
Financial company offer
- Easy approval
- Low interest rate
- High LTV Plan
- 2 years penalty period
p
4.125%
Interest rate
$
Monthly repayment
%
Cash rebate
$
Rebate amount
90%
Max. LTV ratio
- Property price $8.33M or below: LTV 80%
- Property price $8.33M to $10M: $5M + LTV 20%
- Property price $50M or below: LTV 70%
- Applicable to 1st hand property, with handling charge
- 2 years Penalty
- Cash rebate up to 1%
- P=6%
h
Bank offer
- Low interest H-Plan
- Green Mortgage
- Green Mortgage Rebate up to $6,888-$12,000
h
4.125%
Interest rate
$
Monthly repayment
%
Cash rebate
$
Rebate amount
90%
Max. LTV ratio
- As low as H+1.3%
- Loan amount: $5M or above
- Capped P-2.5
- Up to 2.5% cash rebate+Green mortgage rebate up to $6,888-$12,000; High mortgage-linked interest
- 2 years penalty period
- This mortgage plan is applicable to first-hand, second-hand and government subsidised flats of residential property with a valid Gold or Platinum rating which recognised and certified by the Hong Kong Green Building Council (HKGBC).
- For Green Mortgage related eligible project details, please contact mReferral Customer Services Manager
- On a first come first served basis
- P=6%
- Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
p
4.125%
Interest rate
$
Monthly repayment
%
Cash rebate
$
Rebate amount
90%
Max. LTV ratio
- Applicable to loan amount of $4 million or above
- Up to 2% cash rebate
- P=5.75%
- 2 years penalty period
- With deposit-link account
p
Bank offer
- Easy approval
- Low 1st installment
- High LTV Plan
- 2 years penalty period
p
5.625%
Interest rate
$
Monthly repayment
%
Cash rebate
$
Rebate amount
70%
Max. LTV ratio
- Low down payment
- 2 years penalty period
- Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
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