1
專人跟進
Mortgage Calculator
Mortgage
Personal Loan
Credit Card
Products
$
%
years
More options

Property type

Mortgage options

Mortgage options

Products
$

Loan type

$

Providers

Products
$

Card type

Providers

Products

Minimum Monthly Salary

Minimum Relationship Balance

Providers

Basic Mortgage
Mortgage Calculator
Property price
$
Loan-to-value ratio (LTV)
%
Or
%
years

Tax

Property details
Valuation
Property type
If this website fails to provide the property valuation you need, please select "Other" to manually enter the property address.
Mortgage Process
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
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
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
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
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
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
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.
Property valuation
HTTP/1.1 200 OK Date: Tue, 09 Aug 2022 00:55:46 GMT Content-Type: text/html; charset="UTF-8" Transfer-Encoding: chunked Connection: keep-alive X-Frame-Options: SAMEORIGIN, ALLOW-FROM http://18.162.212.46, ALLOW-FROM https://18.162.212.46, ALLOW-FROM http://18.162.108.25, ALLOW-FROM https://18.162.108.25, ALLOW-FROM https://ultd.mreferral.com, ALLOW-FROM http://ultd.mreferral.com, ALLOW-FROM https://www.mreferral.com, ALLOW-FROM http://www.mreferral.com, ALLOW-FROM https://www1.mreferral.com, ALLOW-FROM http://www1.mreferral.com, ALLOW-FROM https://prepro.mreferral.com, ALLOW-FROM http://prepro.mreferral.com Content-Security-Policy: frame-ancestors https://prepro.mreferral.com http://prepro.mreferral.com http://18.162.108.25 https://18.162.108.25 https://www.mreferral.com https://www1.mreferral.com http://www.mreferral.com http://18.162.212.46 https://18.162.212.46 https://ultd.mreferral.com http://ultd.mreferral.com; Vary: Accept-Encoding,Cookie,User-Agent Link: ; rel=shortlink X-XSS-Protection: 1; mode=block X-Content-Type-Options: nosniff CF-Cache-Status: DYNAMIC Expect-CT: max-age=604800, report-uri="https://report-uri.cloudflare.com/cdn-cgi/beacon/expect-ct" Report-To: {"endpoints":[{"url":"https:\/\/a.nel.cloudflare.com\/report\/v3?s=SXZTaoUQbmb24OIdQiqrg5BOiD4wA3tOupIj1MIYZWEPc2hXnnvafPpYn%2FX41eebABLq63S166D8KkSApk%2FaYkMgbejKu6zkOI117CG7ryzc%2FaWdGatePrI%2Fj4fg1fu052mDuw%3D%3D"}],"group":"cf-nel","max_age":604800} NEL: {"success_fraction":0,"report_to":"cf-nel","max_age":604800} Strict-Transport-Security: max-age=15552000; includeSubDomains; preload Server: cloudflare CF-RAY: 737c87312cd83d00-HKG 繁简 繁简 SearchMortgage New property Private estate HOS Village house Industrial & commercial Carpark Mainland China Mortgage Real time bank APIBanking Accounts Banking Accounts Comparison Credit Card P Loan All Personal Loan Lending Companies Loans Tax Season Loan Balance Transfer Revolving LoanTools Mortgage Calculator Refinance calculator Pressure Calculator Tenor Mobile appApply & Enquiry Apply now Personal Loan Property valuation Check your offer Download formRewards $6000 coupon Referral programme Souvenir Customer sharingInfo News Media Interview Mortgage Tips New mortgage infoAbout us About us FAQ Join Us Contact usTestimonial %Today's rate :  2  .  5 0 0 Apply now 繁简MortgageBanking AccountsCredit CardP LoanToolsApply & EnquiryRewardsInfoAbout usTestimonial Plan comparison Search New property Private estate HOS Village house Industrial & commercial Carpark Mainland China Mortgage Real time bank API Banking Accounts Comparison All Personal Loan Lending Companies Loans Tax Season Loan Balance Transfer Revolving Loan Mortgage Calculator Refinance calculator Pressure Calculator Tenor Mobile app Apply now Personal Loan Property valuation Check your offer Download form $6000 coupon Referral programme Souvenir Customer sharing News Media Interview Mortgage Tips New mortgage info About us FAQ Join Us Contact us Real time bank APIGet the real-time API info from all banks in Hong Kong. Fast & convenience!Application programming interface (API) is a computer programming approach for facilitating exchange of information and executing instructions between different computer systems. Effective implementation of Open API will enable, for example, information of different banks’ products and services to be aggregated under the same website/app for comparison and financial planning by users with ease. New service providers may also make use of the open information to offer unique products and new customer experience. (Source: Hong Kong Monetary Authority)If you wish to apply the following mortgage plan, you may click “Enquiry to mReferral” to enter mReferral’s mortgage referral services application form. This application is made to mReferral ONLY. If you wish to apply mortgage service offered by a particular bank through mReferral, you can choose the corresponding option after you have made your application to mReferral’s mortgage referral service.Please note that, in collaboration with banks, mReferral offer mortgage referral service ONLY. Other mortgage-related services offered by mReferral are not in collaboration with banks. Mortgage offered by banks are not offered in collaboration with mReferral.The following real time information is provided by banks and is for reference only. If there are any questions, please feel free to contact us at 319-66688.BankPlanOfferCash rebate Enquiry to mReferral HighAdvance MortgageFor HIBOR Plan: as low as H+1.45%, cap at P-2.5%. For Best Lending Rate Plan: as low as P-2.5%. (H and P refer to HIBOR and Best Lending Rate quoted by HSBC respectively.)-Government Housing SchemesFor Best Lending Rate Plan: as low as P-2.5%. (P refers to Best Lending Rate quoted by HSBC.)-Home Mortgage LoanFor HIBOR Plan: as low as H+1.45%, cap at P-2.5%. For Best Lending Rate Plan: as low as P-2.5%. (H and P refer to HIBOR and Best Lending Rate quoted by HSBC respectively.)- Enquiry to mReferralPlease note that you are now entering the mortgage referral service application page of mReferral Mortgage (“mReferral”). If you intend to apply for mReferral’s mortgage referral services, you have to provide the required information and agree to the content of the relevant declaration on the application page. Please read carefully mReferral’s Personal Information Collection Statement, and terms and conditions on the use of your personal information. In addition, the collection of personal data on mReferral’s mortgage referral service application form is neither carried out by BOCHK nor directly related to BOCHK’s business. If you wish to apply for mortgage services offered by particular bank(s) through mReferral, you can choose the corresponding option(s) after applying for mReferral’s mortgage referral service. Please note that, in collaboration with BOCHK, mReferral offers mortgage referral service ONLY. Other services offered by mReferral are not provided in collaboration with BOCHK. Mortgage services offered by BOCHK are not provided in collaboration with mReferral.Prime-based Mortgage PlanResidential Properties as low as P-2.5% (P is the Bank's HKD Best Lending Rate, which is 5%p.a. currently)Up to 0.5% cash reward for residential propertiesHIBOR Mortgage PlanResidential Properties as low as HIBOR+1.45%, cap at P-2.5% (P is the Bank's HKD Best Lending Rate, which is 5%p.a. currently)Up to 0.5% cash reward for residential propertiesMortgage Insurance ProgrammeResidential Properties HIBOR Mortgage Plan: as low as HIBOR+1.45%, cap at P-2.5%Prime-based Mortgage Plan: as low as P-2.5%(P is the Bank's HKD Best Lending Rate, which is 5%p.a. currently)Up to 0.5% cash reward for residential propertiesGovernment Housing Scheme Mortgage Planas low as P-2.5% (P is the Bank's HKD Best Lending Rate, which is 5%p.a. currently)Up to 0.5% cash reward for residential properties'Smart' Mortgage SchemeResidential Properties HIBOR Mortgage Plan: as low as HIBOR+1.45%, cap at P-2.5%Prime-based Mortgage Plan: as low as P-2.5%(P is the Bank's HKD Best Lending Rate, which is 5%p.a. currently)Up to 0.5% cash reward for residential properties Enquiry to mReferralPlease note that you are now entering our, mReferral Corporation (HK) Limited (mReferral Mortgage Brokerage Services) (Hereafter called “mReferral”), mortgage referral service application page. This application was made to mReferral ONLY, please read carefully mReferral PICS, terms and conditions for mReferral use of your personal information in providing you mortgage referral service. </br>If you wish to apply for mortgage service offered by a particular bank through mReferral, you can choose the corresponding option after you had made your application to mReferral mortgage referral service. </br>Please note that, in collaboration with banks, mReferral offer mortgage referral service ONLY. Other services offered by mReferral are not in collaboration with banks. Mortgage offered by banks are not offered in collaboration with mReferral.Conventional Mortgage PlanIn general, HIBOR Mortgage: H+1.35% (Cap at P-2.5%)Case by caseMortgage-Link Loan SchemeIn general, Prime-based mortgage: P-2.5% / HIBOR Mortgage: H+1.35% (Cap at P-2.5%)Case by caseProperty RefinancingIn general, Prime-based mortgage: P-2.5% / HIBOR Mortgage: H+1.35% (Cap at P-2.5%)Case by caseProperty Secured Overdraft FacilityFirst 6 months: P-1%, Starting from 7th month: P+1%-Mortgage Loans for Government Housing SchemeIn general, Prime-based mortgage: P-2.5%Case by caseHang Seng Mortgage Insurance ProgrammeIn general, Prime-based mortgage: P-2.5% / HIBOR Mortgage: H+1.35% (Cap at P-2.5%)Case by case Enquiry to mReferral Residential Mortgage LoansH Plan as low as H+1.4% (Cap up to P-2.75%)0.6%Non-Residential Mortgage LoansH Plan H+1.7% (Cap at P-2.65%)-Government Housing Scheme Mortgage LoansP Plan as low as P-2.75%0.6% Enquiry to mReferral 90% mortgageHIBOR+1.5% (Cap at P-2.75%)/ Prime-2.75%-Prime-based mortgagePrime - 2.75%-Home smart mortgagePrime - 2.75%-HIBOR mortgageHIBOR+1.5% (Cap at P-2.75%)-Advance on mortgage / Property Refinancing serviceHIBOR+1.5% (Cap at P-2.75%)/ Prime-2.75%-Prime deposit-linked mortgagePrime - 2.75%-HIBOR deposit-linked MortgageHIBOR+1.5% (Cap at P-2.75%)- Enquiry to mReferralPlease note that you are now entering the mortgage referral service application page of mReferral Mortgage (mReferral). If you intend to apply for mReferral’s mortgage referral services, you have to provide the required information and agree to the content of the relevant declaration on the application page. Please read carefully mReferral’s Personal Information Collection Statement, and terms and conditions on the use of your personal information. In addition, the collection of personal data on mReferral’s mortgage referral service application form is not carried out by China CITIC Bank International Limited(CNCBI). If you wish to apply for mortgage services offered by particular bank(s) through mReferral, you can choose the corresponding option(s) after applying for mReferral’s mortgage referral service. Please note that, in collaboration with CNCBI, mReferral offers mortgage referral service ONLY. Other services offered by mReferral are not provided in collaboration with CNCBI.Mortgage PlusBase on Prime/Hibor rate-90% Mortgage PlanBase on Prime/Hibor rate-Prime Rate-Based Mortgage PlanBase on Prime rate-Hibor Rate-Based Mortgage PlanBase on Hibor rate-Home Ownership Scheme Mortgage PlanBase on Prime rate- Enquiry to mReferral Residential Mortgage PlanBased on the CCBA 1-month HIBOR, as low as HIBOR + 1.3% (cap. at P-2.75%). Based on Prime-based plan, as low as P-2.75% (P is the CCBA Best Lending Rate, which is 5.25% p.a. currently)-Car Park LoanBased on Prime-based plan, as low as P-2.75% (P is the CCBA Best Lending Rate, which is 5.25% p.a. currently). Minimum loan amount HK$500,000-Value-Added Mortgage PlanBased on the CCBA 1-month HIBOR, as low as HIBOR + 1.3% (cap. at P-2.75%). Based on Prime-based plan, as low as P-2.75% (P is the CCBA Best Lending Rate, which is 5.25% p.a. currently)- Enquiry to mReferral Prime-based Mortgage Plan• Mortgage interest rate based on the HKD Prime Rate• Monthly repayment will be comparatively stable-HIBOR-based Mortgage Plan• Mortgage interest rate is based on the Hong Kong Interbank Offered Rate (“HIBOR”)• Interest Rate Tracker Function – For your better financial planning• Lock up the interest rate risk by a Prime-based interest rate cap, the mortgage interest rate will be determined based on the cap rate or the applicable HIBOR-based interest rate, whichever is lower.• Mortgage Interest Rate will be re-fixed at the expiry of each interest period- Enquiry to mReferral Smart' Mortgage SchemeHIBOR Mortgage Plan: as low as HIBOR+1.30%, cap at P-2.5%Prime-based Mortgage Plan: as low as P-2.5%(P is the Bank's HKD Best Lending Rate, which is 5%p.a. currently)Subject to the latest promotion of bankAll-You-Want' Mortgage SchemeHIBOR Mortgage Plan: as low as HIBOR+1.30%, cap at P-2.5%Prime-based Mortgage Plan: as low as P-2.5%(P is the Bank's HKD Best Lending Rate, which is 5%p.a. currently)Subject to the latest promotion of bank Enquiry to mReferral Non-Residential Mortgage PlanPrime - 2.0%-Residential Mortgage PlanHIBOR +1.8%-GHOSPrime - 2.5%-90% Mortgage PlanHIBOR +1.8%20% Enquiry to mReferral Residential Mortgage Plan _IndividualIt is only applicable to loan amount which is HK$500,000 or above; mortgage loan amount equal to or below 60% of the purchase price or the appraised value of the property (whichever is lower); Prime - 2.65%1.6%Fubon HIBOR Mortgage Plan _IndividualIt is only applicable to loan amount which is HK$1,000,000 or above; mortgage loan amount equal or below 60% of the purchase price or the appraised value of the property (whichever is lower); Bank 1, 3 or 6 month HIBOR interest rate +1.3% or Prime rate - 2.65%; whichever is lower (for Residential Property)1.6%Fubon HIBOR Mortgage Plan_CorporateIt is only applicable to loan amount which is HK$1,000,000 or above; mortgage loan amount equal or below 60% of the purchase price or the appraised value of the property (whichever is lower); Bank 1, 3 or 6 month HIBOR interest rate +1.3% or Prime rate - 2.65%; whichever is lower (for Residential Property)1.6%Residential Mortgage Plan _CorporateIt is only applicable to loan amount which is HK$500,000 or above; mortgage loan amount equal to or below 60% of the purchase price or the appraised value of the property (whichever is lower); Prime - 2.65%1.6%Fubon 90% Mortgage PlanIt is only applicable to loan amount which is HK$500,000 or above; mortgage loan amount above 60% of the purchase price or the appraised value of the property (whichever is lower); Plan 1: Prime - 2.65%; Plan 2 : Bank 1, 3 or 6 month HIBOR interest rate +1.3% or Prime rate - 2.65%; whichever is lower1.6%Fubon Mortgage Plan for Government Home Ownership SchemeFubon Mortgage Plan for Government Home Ownership Scheme (the “Plan”) is only applicable to loan amount which is HK$500,000 or above (For loan amount below HK$500,000, Fubon Bank (the “Bank”) will consider the application on a case-by-case basis); Prime - 2.65%1.6%Fubon Reverse Mortgage Plan for homeowners aged 55 or above to use his/her/their residential property (or more than one property) in Hong Kong as security for taking out a mortgage loan. You will remain as the owner of your property and can continue to stay at your property for the rest of your life; Prime - 2.5%- Enquiry to mReferral Government Housing Scheme Mortgage LoanAs low as HKD Prime Rate - 2.75%p.a.-Residential Property Mortgage LoanAs low as HKD Prime Rate - 2.75%p.a.-Residential Property Mortgage LoanAs low as HKD Prime Rate - 2.75%p.a.-XTerms and Conditions I/We agree with the above terms and conditionsConfirm Calculator Valuation Apply Now 319-66688 9426-2288 mReferral-hkCopyright© mReferral Corporation (HK) Limited (Incorporated in the British Virgin Islands with limited liability). All rights reserved. Privarcy policy Terms and conditions Calculator More Property price HK$Loan-to-value ratio (LTV) %Mortgage period YrsInterest rate %ResultsLoan size HK$0Mortgage period mth0Down payment HK$0Monthly repayment HK$0 Calculator Valuation Apply Now 319-66688 9426-2288 mReferral-hk mReferral-Mortgage Calculator Refinance calculator Loan Calculator Pressure Calculator Tenor Evaluate Now Mobile app Apply Now 17/F, OTB Building, 160 Gloucester Road, Wanchai, Hong KongNIL Hi, I am mReferral digital assistant, can I help youClick to procced
重要提示
確認