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Basic Mortgage
Mortgage Calculator
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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.
Property valuation
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Providers
  • Citibank
  • Citic Bank International
  • MOX
  • Fubon (HK) Bank
  • Standard Chartered Bank
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  • Min relationship balance
  • Min monthly salary
  • Welcome offer (Up to)
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Citi Plus Account
  • [Till 31 May] mReferral Exclusive Offer - HK$150 supermarket coupon
HK$
Min relationship balance
HK$
Min monthly salary
HK$150
Welcome offer (Up to)
  • Enjoy extra 4.8% p.a. interest when you successfully open a Citi Plus Account

[Till 31 May] mReferral Exclusive Offer - HK$150 supermarket coupon

  • New Citi customers (applicants) who successfully apply for Citi Plus Account via mReferral/ MoneyHero enjoy HK$150 supermarket coupon.
  • How to redeem mReferral/ MoneyHero exclusive offer?
    • Note down your application reference number for reference. You will be asked to upload all required documents when you open the account to facilitate the approval process.
    • Within 7 days, please complete the redemption form sent via email for verification and follow-up. mReferral/ MoneyHero will verify your reward eligibility with Citibank.
  • Tips:
    • Please turn off AdBlocker and private mode before application

[Welcome Offer] Extra 3% p.a. saving rates, 12 % Cash Rebate, HK$800 rebate for New Fund

Citi Interest Booster - Earn points and interest rate when you spend with the card. Easy missions to boost your interest rate up to 1.8% p.a.

 

  • Citi Plus Credit Card - Exclusive for Citi Plus Account Holder
  • Citi Plus Account Financial Pointers - Suitable for Beginners

 

  • Investment
  • Buy and sell funds as little as HK$1/US$1
  • Stock account - Brokerage fee as low as HK$8/US$1
  • Citi Plus Debit Mastercard - enjoy up to 1% cash rebate
  • Up to 12% rebate on designated cooperative merchants spending
  • Outward remittance fee waived via Citibank Global Transfer
  • No minimum balance requirement when you successfully open the account online

mReferral/ MoneyHero exclusive offer and Welcome Offer are only applicable to new customers who do not have any or do not cancel any banking relationship within the past 12 months. Not applicable to e to existing Citibanking or Citi Priority banking relationship whose relationship is transferred to Citi Plus banking relationship.

  • Promotion period of welcome offer: From now till 31 May 2022; Promotion period of mReferral/ MoneyHero Exclusive Offer: From now till 31 May 2022

For the deposit beyond HK$300,000, only the prevailing board rate shall apply.

  • Please refer to Citibank’s website for the board rate.
  • The promotion period of Citi Interest Booster is From now till 31 May 2022

Account Opening Requirement

  • You must be aged 18 or above and hold a valid Hong Kong permanent identity card.
  • You must reside in Hong Kong.
  • You must have a permanent Hong Kong address.

Terms and conditions apply, click “Apply Now” for more details.

CNCBI inMotion
  • [Till 13 May] mReferral Exclusive Offer - HK$800 Apple Store Gift Card OR HK$800 HKTVmall Voucher OR Nespresso C30 Essenza Mini Capsule Coffee Machine (valued at HK$988, random colour) upon successful account opening
HK$
Min relationship balance
HK$
Min monthly salary
HK$1788
Welcome offer (Up to)
  • Account Opening Rewards - HK$200 Cash Rewards
  • Spending Offer - Motion Virtual Credit Card HK$600 cash rebate welcome offer

[Till 13 May] mReferral Exclusive Offer - HK$800 Apple Store Gift Card OR HK$800 HKTVmall Voucher OR Nespresso C30 Essenza Mini Capsule Coffee Machine (valued at HK$988, random colour)

  • From now till 13 May 2022, new customers who open Multi-Currencies Statement Savings Account via inMotion by using promo code "2MH22Q10" are entitled to HK$800 Apple Store Gift Card OR HK$800 HKTVmall Voucher OR Nespresso C30 Essenza Mini Capsule Coffee Machine (valued at HK$988, random colour)
Important DatesRequirements
5 May 2022 12 noon to 13 May 2022 06:00 p.mNew CNCBI Customers who successfully apply Multi-Currencies Statement Savings Account via inMotion by using promo code “2MH22Q10” are entitled to mReferral/ MoneyHero Limited-Time Exclusive Offer.
Within 7 days of receiving the formSubmit the reward redemption form sent via email previously.
On or before 30 June 2022The account must be successfully opened
  • Tips:
    • Please turn off AdBlocker and private mode before application
    • Upload all required documents when you apply for the card to facilitate the approval process.
    • If you have concerns regarding the redemption process, please refer to the Terms and Conditions.

Account Opening Rewards - HK$200 Cash Rewards

  • From 1 April to 30 June 2022, new customers who open Multi-Currencies Statement Savings Account via inMotion, and meet a total balance of minimum HK$10,000 or equivalent on designated date, can enjoy HK$200 Account Opening Reward

Spending Offer – Motion Virtual Credit Card HK$600 cash rebate welcome offer

  • From now till 30 June 2022, new customers enjoy up to HK$600 cash rebate welcome offer and up to 6% year-round cash rebate on Dining and Online spending upon successful application of CNCBI Motion Credit Card (virtual) via inMotion

Saving Offers

Investment Offers

Customer Service Support

Reminder: To borrow or not to borrow? Borrow only if you can repay!

Terms and conditions apply, click “Apply Now” for more details.

MOX Account
  • (Till 31 May) Get HK$500 cash reward by using specific invitation code and fulfilling specific requirement
HK$
Min relationship balance
HK$
Min monthly salary
HK$500
Welcome offer (Up to)
  • Earn 5% CashBack when you spend at selected merchants with Mox Credit
  • Mox Bonus up to 1.3% p.a. Additional HKD Savings Rate

[Till 31 May] Enjoy an account opening reward of HK$500 by using the invitation code "GOMOX" and spend HK$500 on Mox Credit from your Mox Account opening date and the following 30 days

Mox is a Hong Kong-based virtual bank created by Standard Chartered in partnership with PCCW, HKT and Trip.com. It is a subsidiary of Standard Chartered. You can open an account in Mox app in minutes with your HKID and a valid Hong Kong residential and mailing address.

Earn 5% CashBack when you spend at selected merchants with Mox Credit

  • From now till 30 June 2022, earn 5% CashBack when you spend with Mox Credit on eligible transactions at selected merchants, up to HK$100.
  • From now till 30 June 2022, earn 3% CashBack when you spend with Mox Credit on eligible transactions at selected merchants, up to HK$50.
  • Enjoy 1% Unlimited CashBack when you spend at all other merchants. No limit on 1% CashBack, and CashBack is credited to Mox account directly.

Mox Bonus up to 1.3% p.a. Additional HKD Savings Rate until 31 May 2022

  • Mox existing and new customers enjoy a 0.3% p.a. additional HKD base savings rate on up to HK$250,000
  • Mox new customer enjoys a 0.3% p.a. additional HKD savings rate on up to HK$250,000 for 60 calendar days (on a rolling basis) if the customer successfully onboards during the promotion period
  • Mox customers enjoy a total of 0.5% p.a. additional HKD savings rate by finishing
    • Mox Bonus Spending Challenge: by spending HK$3,000 each month using a Mox Card (with Mox Credit or from your Mox Account
    • Mox Bonus Deposit Challenge: by keeping a total deposit balance of HK$50,000 or more in HKD accounts with Mox
  • Mox Bonus Bill Payment Challenge: Mox customers enjoy a 0.2% p.a. additional HKD savings rate by making 3 bill payments with a Mox Card (with Mox Credit or your Mox Account)

Mox Credit Split Purchase HK$100 Rebate

No minimum balance requirement


Account Opening Requirement

  • You must be aged 18 or above and hold a valid Hong Kong identity card.
  • You must have a valid Hong Kong residential and mailing address.

Terms and conditions apply, click “Apply Now” for more details.

Fubon Bank Ambassador Banking
HK$1000000
Min relationship balance
HK$
Min monthly salary
HK$1800
Welcome offer (Up to)

    From now until 30 June 2022, you can enjoy prestigious privileges by becoming a new customer of Ambassador Banking.

    Welcome Reward

    Welcome RewardCustomer who successfully enrolls or upgrades to Ambassador Banking and also fulfill the below requirements during the promotion period can enjoy HK$1,800 cash reward of Ambassador Banking Visa Platinum Card.
     

    RequirementsAmbassador Banking
    Visa Platinum Card Cash Reward
    1. With e-mail address provided and e-Statement applied; AND
    2. “Daily Average Total Relationship Balance” during “Calculation Period” reaches HK$1,000,000 equivalent or above; AND
    3. Successfully use “Designated Wealth Management Services” during “Target Period”; AND
    4. Successfully apply or hold a valid principal card of Ambassador Banking Visa Platinum Card; AND
    5. Hold a valid Fubon magi©money manager HKD Interest-bearing Current Account; AND
    6. Hold a valid Investment Account
    HK$1,800


    Credit Card Welcome RewardCredit Card Welcome RewardSuccessfully apply for a principal card of Ambassador Banking Visa Platinum Card and also fulfil the relevant requirements can enjoy 100,000 Fubon Credit Card Bonus Points.

    To borrow or not to borrow? Borrow only if you can repay!

    Join Ambassador Banking now to enjoy prestigious privileges!Join Ambassador Banking now to capture unlimited wealth potentials!

    For details, please visit any of our branches or call us at 2806 7288 during business hours.
     

    Remarks: The above products, services and offers are bound by the relevant Terms and Conditions.

    For more details, please refer to: https://www.fubonbank.com.hk/tc/ambassador-banking/amb-promotion.html

    SCB Priority Private
    • Enjoy 6 months 1.28% p.a. HKD savings rate
    HK$8000000
    Min relationship balance
    HK$
    Min monthly salary
    HK$
    Welcome offer (Up to)
    • 0% subscription fee for the first HKD1,000,000 online fund investment

    From now till 31 May 2022, New Clients* may enjoy the following welcome offers upon signing up for Priority Private or Priority Banking.

    1. Savings: 6-month 1.28% p.a. savings rate on HKD Sustainable Savings Account
    2. Investment: 0% subscription fee for the first HKD1,000,000 online fund Investment.
    3. Protection: Extra 2% premium refund for Prudential Life Insurance Plan.

    Terms and conditions apply. For details, please refer to Standard Chartered official website.

    “New Clients” refer to those who are NOT holding any banking products or services with or distributed by the Standard Chartered Bank (Hong Kong) Limited (the “Bank”) (including but not limited to deposit account, investment service and insurance products underwritten by the third party insurer) in past 12 months from the date of signing up for Priority Private/Priority Banking except Standard Chartered Credit Cards. 

    SCB Priority Banking
    • Enjoy 6 months 1.28% p.a. HKD savings rate
    HK$1000000
    Min relationship balance
    HK$80000
    Min monthly salary
    HK$
    Welcome offer (Up to)
    • 0% subscription fee for the first HKD1,000,000 online fund investment

    From now till 31 May 2022, New Clients* may enjoy the following welcome offers upon signing up for Priority Private or Priority Banking.

    1. Savings: 6-month 1.28% p.a. savings rate on HKD Sustainable Savings Account
    2. Investment: 0% subscription fee for the first HKD1,000,000 online fund Investment.
    3. Protection: Extra 2% premium refund for Prudential Life Insurance Plan.

    Terms and conditions apply. For details, please refer to Standard Chartered official website.

    “New Clients” refer to those who are NOT holding any banking products or services with or distributed by the Standard Chartered Bank (Hong Kong) Limited (the “Bank”) (including but not limited to deposit account, investment service and insurance products underwritten by the third party insurer) in past 12 months from the date of signing up for Priority Private/Priority Banking except Standard Chartered Credit Cards. 

    SCB Premium Banking
    • Enjoy up to HKD900 rebate
    HK$
    Min relationship balance
    HK$20000
    Min monthly salary
    HK$900
    Welcome offer (Up to)

      Exclusive Offers for New Clients Become a New Premium Banking client during 24 February 2022 to 31 May 2022  (both dates inclusive) (“Promotion Period”) to enjoy Premium Banking Welcome Privileges.

      Up to HKD900 Rebate Just takes a few minutes to sign up via SC Mobile App.

      New Funds Growth OfferUp to HKD900 Cash Rebate or hk icon asiamiles 19,000

      Terms and conditions apply. For details, please refer to Standard Chartered Bank official website.

      SCB Bonus Payroll Account
      • Enjoy up to HKD900 cash rebates
      HK$
      Min relationship balance
      HK$20000
      Min monthly salary
      HK$900
      Welcome offer (Up to)
      • As low as HKD1=1 Asia Mile for spending on dining, online or overseas

      New payroll clients can enjoy up to HKD900 cash rebates and as low as HKD1=1 Asia Mile for spending on dining, online or overseas

      Bonus Payroll Account helps you make the most out of what you earn. You will be rewarded whenever you save, spend and invest, maximizing the value of your hard-earned money and letting you live life to the fullest.

      Bonus Payroll Account Welcome Offer (Promotion date: 1 April 2022 to 31 May 2022)

      MONTHLY SALARY RANGE (HKD)CASH REBATE (HKD) OR MILES
      80,000 or aboveHK$900 or 9,000
      50,000 to below 80,000HK$400 or 4,000
      20,000 to below 50,000HK$200 or 2,000

       

      Terms and conditions apply. For details, please refer to Standard Chartered official website.

      Citigold Account
      • [Till 31 May] Get rewarded with a HK$1,000 supermarket coupon exclusively from mReferral when you successfully open a Citigold account via mReferral and deposit designated new funds.
      HK$1500000
      Min relationship balance
      HK$
      Min monthly salary
      HK$38000
      Welcome offer (Up to)
      • Enjoy up to HK$38,000 rewards together with an account opening offer

      [Till 31 May] Get rewarded with a HK$1,000 supermarket coupon exclusively from mReferral when you successfully open a Citigold account via mReferral and deposit designated new funds.

      mReferral/ MoneyHero Exclusive Offer - HK$1,000 supermarket coupon

      • From now till 31 May 2022, new customers (applicants) who successfully apply for a Citigold account via mReferral/ MoneyHero are entitled to a HK$1,000 supermarket cash coupon.
      • Applicants understand and accept that gift fulfillment is facilitated by mReferral/ MoneyHero; Citibank (Hong Kong) does not have any liability or responsibility for the gift fulfillment.
      • Tips:
        • Please turn off AdBlocker and private mode before application

      Account Opening Offer - Up to HK$30,800 Cash Rebate

      • Digital Channel Offer - HK$500 Cash Rebate
        New customers, who successfully open a Citigold account through online appointment / a Citigold account through straight-through remote account opening solution and fulfill the following requirements, can enjoy below rewards:
      RequirementsRewards
      • Successfully open a Citigold account through online appointment / a Citigold account through straight-through
        remote account opening solution and fulfill New Funds Offer requirements
      HK$500 Cash Rebate
      • Payroll Account Offer Up to HK$800
        New customers who open a new Citibank account and the monthly salary fulfilled requirements, can enjoy the welcome offers below:
      Monthly SalaryRewards
      ≥ HK$80,000HK$800 Cash Rebate
      ≥ HK$50,000HK$500 Cash Rebate
      ≥ HK$30,000HK$300 Cash Rebate
      • New Funds Offer - Up to HK$29,500 Cash Rebate
        New customers who bring in the required to new funds within the first 2 calendar months from account opening and maintain the new funds according to the specific hold fund period, can enjoy below rewards:
      New funds amountRewards
      ≥ HK$4,000,000
      (Including designated product balance ≥ HK$1,500,000)
      HK$14,500 + HK$15,000 Cash Rebate
      ≥ HK$2,500,000
      (Including designated product balance ≥ HK$1,500,000)
      HK$10,000 + HK$15,000 Cash Rebate
      ≥ HK$1,800,000
      (Including designated product balance ≥ HK$650,000)
      HK$7,000 + HK$6,500 Cash Rebate
      ≥ HK$1,500,000
      (Including designated product balance ≥ HK$650,000)
      HK$6,000 + HK$6,500 Cash Rebate
       Up to HK$29,500 cash rebate
      • Designated products include Mortgage, Designated Investment Products and Insurance Plans

      Mortgage Offer - Extra HK$15,000 Cash Rebate

      • Successfully apply for a Citi mortgage solution and join Citigold to earn up to HK$15,000 Extra Cash Rebate
      • Citibank mortgage solutions include Deposit-Linked Mortgage and High Loan-to value Ratio Mortgage Insurance Program. You can choose based on your financial needs.

      Accounts include Multi-Currency Savings Account, Securities and Fund Trading Services, Mortgage, Credit Card Services and Insurance Services

      Investment Offer

      • Enjoy Citi’s Cost Price for every successful FX transaction via Citi Mobile® App within the first 3 calendar months from account opening
      • HK & US stock buy fee waiver for first 3 months; Enjoy the continuous HK stock buy fee waiver from the 4th month if there is at least 1 HK stock buy/sell transaction every month continuously (waived brokerage fee from the 4th month onward will be capped at HK$888 each month).
      • No minimum brokerage fee for US stock
      • Transfer HK/US/SH/SZ stock to earn up to HK$3,000 cash rewards

      Market-First Citibank Global Wallet - Exchange Currency Whenever and Wherever You Are
      Activate your Citibank Global Wallet with your Citibank Debit Mastercard® / Citibank Cirrus® ATM Card to enjoy the following benefits:

      • HK$0 charge by Citi for withdrawals at Citi ATMs;
      • No extra charges on overseas and online purchases

      Customer Support

      • 24-hour Citigold Hotline
      • Citi Live Chat: supports text/audio/video chat

      Terms and conditions apply. All info and offers are subjected to Citibank's official website.

      • The Promotion Period of Remote Account Opening, New Funds and Mortgage Offer is from now till 31 May 2022

      mReferral/MoneyHero exclusive offer and welcome offers are only applicable to customers who must not have cancelled or held any sole or joint bank account and securities account with the Bank within the past 12 months ("New Customer").

      Fees You Need to Know

      Item

      Fees

      Service FeeHK$300
      (Average Daily Relationship Balance of HK$1,500,000: Waived)
      Paper Statement FeeHK$10/month
      Account closed by customer within 6 months from the date of openingHK$500
      ATM Card Annual FeeFree

       

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