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Basic Mortgage
Mortgage Calculator
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Valuation
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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.
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  • MOX
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MOX Account
  • Enjoy up to HK$1,700 Cash Reward
HK$
Min relationship balance
HK$
Min monthly salary
HK$1700
Welcome offer (Up to)

    MoneyHero Exclusive Welcome Offer (with the promo code "2000MOXMH")

    Offers

    • Limited Flash Offer (till 31 July 2026): Enjoy extra HK$200 Cash Reward after open a Mox Account and successfully get Mox Credit Card approved

    Open a Mox Account and get Mox Credit Card approved successfully with the invitation code "2000MOXMH" and complete designated requirements within 30 calendar days after approval to enjoy Limited-time Flash Offer^: Extra HK$200 Cash Reward

    • From 23 June 2026 to 31 July 2026 : New customers open Mox Account via promo code "2000MOXMH" and complete the Mox Account opening process within the following 15 days
    • Get Mox Credit Card approved within 30 days from Mox Account opened using the invitation code

    1. Limited-time Flash Offer^
     (23 June - 31 July 2026)

    Open a Mox Account successfully with the invitation code "2000MOXMH" and successfully approved Mox Credit before the end of the period beginning
    on and from your Joining Day and the
    following 30 days
     

    HK$200 Cash Reward
    (Provided by Mox)

    MoneyHero Exclusive Welcome Offer (with the promo code "2000MOXMH")

    Offers

    • DELSEY SHADOW 5.0 75 CM 4 DOUBLE WHEELS EXPANDABLE TROLLEY (Suggested Retail Price: HK$3,890) (provided by Mox); or
    • Marshall Emberton ll Portable Bluetooth Speaker (Black & Brass) (Suggested Retail Price: HK$1,499) (provided by Mox); or
    • Apple Airpods 4 (Suggested Retail Price: HK$1,099) (provided by Mox); or
    • Wellcome HK$1000 E-Shopping Voucher (provided by Mox)

    Open a Mox Account and get Mox Credit Card approved successfully with the invitation code "2000MOXMH" and complete designated requirements within 60 calendar days after approval to enjoy: Designated Welcome Gift ( choose 1 out of 4) & HK$1,200 Reward

    • From 18 May 2026 to 31 August 2026 : New customers open Mox Account via promo code "2000MOXMH" and complete the Mox Account opening process within the following 15 days
    • Get Mox Credit Card approved within 30 days from Mox Account opened using the invitation code

    Designated Welcome Gift* (choose 1 out of 4 - subject to respective redemption quotas, avaliable on a first-come first served basic) 
    (provided by Mox)

     

    Eligible spending HK$4,000 (using Mox credit card) within 60 calendar days after approval

    • DELSEY SHADOW 5.0 75 CM 4 DOUBLE WHEELS EXPANDABLE TROLLEY (Suggested Retail Price: HK$3,890) ;OR
    • Marshall Emberton ll Portable Bluetooth Speaker (Black & Brass) (Suggested Retail Price: HK$1,499);OR
    • Apple Airpods 4 (Suggested Retail Price: HK$1,099);OR
    • Wellcome HK$1000 E-Shopping Voucher#

    *Redeem your welcome gift with the following steps📱:

    1. A redemption code will be sent to your email within 14 days you fulfilled the spending requirement.
    2. If your The Club Membership has not yet been linked with your Mox Card or if you do not have a The Club Membership Account, open the Mox app > tap ‘Mox Rewards’ > tap ‘Clubpoints’ > tap "Link now" > follow the instructions to easily link your Mox Card to your The Club membership
    3. Go to the Welcome Offer Zone in the Mox Zone, select the gift of your choice, and check out with your redemption code.
    4. Your selected gift will be delivered to your door !

    #Wellcome HK$1000 E-Shopping Voucher Terms & Conditions

    1. This e-voucher shall only be used in all physical stores of Wellcome, Market Place, 3hreesixty and Oliver's The Delicatessen in Hong Kong.
    2. This e-voucher shall be applicable to the goods sold in all physical stores of Wellcome, Market Place, 3hreesixty and Oliver's The Delicatessen in Hong Kong. This e-voucher is not applicable to all top up, recharging or value-added services, and sale and other services relating to any cash coupon(s)/voucher(s).
    3. A maximum of 10 e-vouchers can be used in a single transaction.
    4. This e-voucher shall not be applicable to all purchases online or through any mobile apps.

    💡Gifts are subject to quota and provided on a first-come, first-served basis. The final gift redeemable is subject to stock availability at the time of checkout with the redemption code. 

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