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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.
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Providers
  • Citibank
  • Citic Bank International
  • 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 31May] mReferral Exclusive Offer - HK$250 Apple Store Gift Card / HKTVmall Voucher / AEON Gift Voucher / Mannings Gift Voucher
HK$
Min relationship balance
HK$
Min monthly salary
HK$250
Welcome offer (Up to)
  • Welcome Offer - 3.5% p.a. Foreign Currency 1-month Time Deposit+Samsung Galaxy Tab S6 Lite
  • Up to 12% rebate on designated cooperative merchants spending

[Till 31May] mReferral Exclusive Offer - HK$250 Apple Store Gift Card / HKTVmall Voucher / AEON Gift Voucher / Mannings Gift Voucher

  • From 2 May 2023 12 noon to 31 May 2023 6 p.m., new Citi customers (applicants) who successfully apply for Citi Plus Account via mReferral/MoneyHero can enjoy HK$250 Apple Store Gift Card / HKTVmall Voucher / AEON Gift Voucher / Mannings Gift Voucher
  • Application for the Designated Bank Account should be approved by Citibank on or before 30 June 2023, subject to the Citibank’s system records.
  • Terms and Conditions apply
  • 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

  • Reward 1 - HK$200 Cash Rebate Welcome Offer
    • Deposit HK$50,000 new fund to enjoy HK$200 cash rebate
  • Reward 2 - 3.5% p.a. Foreign Currency 1-month Time Deposit
    • Eligible Customers who set up a specific Foreign Currency 1-month time deposit with up to HK$100,000 can enjoy 3.5% p.a. Foreign Currency deposit rate
  • Reward 3 - Samsung Galaxy Tab S6 Lite Welcome Offer
    • Successful apply Citi Plus Account and designated credit card to enjoy upgrade welcome offer Samsung Galaxy Tab S6 Lite (value at HK$2,988)
  • Reward 4 - Spending reward up to HK$500 Cash Rebate
    • Cardholders of Citi Plus Debit Mastercard® and Citi Plus Credit Cards who make eligible spending in designated merchants, are entitled to up to 12% Rebate
  • Reward 5 - Open a stock account online to get HK$500 cash rebate
    • HK$0 brokerage fee for HK Stock and US Stock for first 3 months
    • Transfer in HK/ US/ SH/ SZ stock to earn up to HK$10,000 Cash Reward
  • Terms and Conditions Apply.

Up to 12% rebate on designated cooperative merchants spending

MerchantPercentage of rebate (%)Maximum Rebate Amount (HK$) for Merchant(s)
Deliveroo12%HK$250
foodpanda12%HK$250
Green Common6%HK$250
Hutchgo Travel Platform6%HK$250

KKBOX

12%HK$250
KKday12%HK$250
  • Use your Citi Plus Debit Mastercard / Credit Card and spend a single net transcation in HK dollars ("eligible spending")
  • Each Cardholder can earn up to a maximum HK$500 in cash rebate (“Cap”) at all designated Merchants throughout the promotion period.
  • If transactions are confirmed to be eligible for the rebate after verification by Citibank at its sole and absolute discretion, the corresponding rebate will be credited automatically in Hong Kong Dollars to Cardholders’ Citi Interest Booster account on or before 31 August 2023.
  • Campaign period: From 1 May 2023 to 30 June 2023
  • Terms and conditions apply.

Citi Interest Booster - Earn points and interest rate when you spend with the card. Easy missions to boost your interest rate up to 1.5% p.a.

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
  • 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.

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 30 May] mReferral Exclusive Offer - Marshall Emberton Bluetooth Speaker/ HK$750 Apple Store Gift Card/ Wellcome Shopping Voucher/ HKTVmall e-Voucher / Trip.com Gift Card OR HomePod mini
HK$
Min relationship balance
HK$
Min monthly salary
HK$13450
Welcome offer (Up to)
  • Account Opening & Foreign Exchange Rewards – Up to HK$2,900
  • Spending Offer – Up to HK$1,000 Cash rebate
  • From now till 30 May 2023 4 p.m., new customers who open inMotion Multi-Currencies Statement Savings Account via mReferral/MoneyHero by using promo code "2MH2301" and fulfilling the following requirements are entitled to Marshall Emberton Bluetooth Speaker (valued at HK$1,499) OR HK$750 Apple Store Gift Card / Wellcome Shopping Voucher/ HKTVmall e-Voucher / Trip.com Gift Card OR HomePod mini (valued at HK$749)
Important DatesRequirements
2 May 2023 6 p.m. to 30 May 2023 4 p.m

New CNCBI Customers who successfully apply for inMotion Multi-Currencies Statement Savings Account via mReferral/MoneyHero by using promo code 2MH2301, and registering for MONOPOLY Deposit with HK$10,000 or above eligible new funds, are entitled to MoneyHero Limited-Time Exclusive Offer.

(The redemption form will be updated on MoneyHero's website on 2 May 2023 at 6 p.m.)

Within 7 days of receiving the formSubmit the reward redemption form sent via email previously.
The account must be successfully opened on or before 29 June 2023
  • 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 & Foreign Exchange Rewards – Up to HK$2,900

  • Up to HK$400 Account Opening Reward: From 1 April to 30 May 2023, New customers who open Multi-Currencies Statement Saving Account via inMotion, and achieve a total balance of minimum HK$10,000 or equivalent and complete FX transactions via inMotion and reach accumulated minimum amount HK$50,000 or equivalent on designated dates, can enjoy HK$400 Account Opening Reward.
  • Also enjoy up to HK$2,500 Foreign Exchange Cash Reward.

Check in gamified platform ”Rewards Go!” to get welcome offer after account opening. Grab the free chance to win up to HK$1,000 lucky draw each month! More missions are waiting for you and instant rewards are up for grab!

Spending Offer – Up to HK$1,000 Cash rebate 

  • From 1 April to 30 June 2023, New Cardmembers who successfully apply for CNCBI Motion Credit Card can enjoy 10% Cash Rebate on spending in foreign currencies in the first 3 months, together with the year-round offer of 6% Cash Rebate on dining, online and foreign currency spending, you can get up to 16% Cash Rebate in total!

Saving Offers

  • From 1 May 2023 to 30 May 2023 4 p.m, Register for MONOPOLY Deposit can enjoy bonus interest rate of up to 7.28% p.a. and online exclusive time deposits rate up to 4.90% p.a. for USD

Investment Offers

  • 6 months $0 brokerage commission for buying securities
  • Enjoy 0.125% brokerage commission for securities trading
  • Up to HK$2,500 Cash Rewards for inMotion Foreign Exchange transactions
  • Up to HK$15,800 Bonus Interest Rewards for Currency Linked Deposit
  • 0% subscription fee via online channels for Investment fund

Referral Rewards

  • From 1 April to 30 June 2023, you can enjoy up to HK$1,500 reward when each new customer who successfully opened a banking account via inMotion with your unique referral code and fulfilled the designated requirements! Enjoy up to $30,000 reward upon max. 20 successful referrals.

Customer Service Support

  • 24/7 Live Chat Support
  • Assistance over the phone during business hours

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

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

SCB Priority Private
  • Enjoy HK$28,000 cash rebate or 280,000 Asia Miles
HK$8000000
Min relationship balance
HK$
Min monthly salary
HK$28000
Welcome offer (Up to)

    From now till 30 June 2023, New Clients* may enjoy HK$28,000 cash rebate or 280,000 Asia Miles upon signing up for Priority Private.
    Terms and conditions apply. For details, please refer to Standard Chartered official website.

    *“New Clients” refers to clients who did not, in the past 12 months from the date of the current sign up for Priority Private, hold any product or service with or distributed by the Bank (including but not limited to deposit account (in the case of joint account, unless the new client is a primary account holder to the joint account, he/she will not be considered having held any product or service with or distributed by the Bank), investment services and insurance product underwritten by the third party insurer) except Standard Chartered Credit Cards.

    SCB Priority Banking
    • Enjoy up to HK$22,000 cash rebate or 220,000 Asia Miles
    HK$1000000
    Min relationship balance
    HK$80000
    Min monthly salary
    HK$22000
    Welcome offer (Up to)

      From now till 30 June 2023, New Clients* may enjoy up to HK$22,000 cash rebate or 220,000 Asia Miles upon signing up for Priority Private or Priority Banking.

      • Enjoy HK$4,000 cash rebate or 40,000 Asia Miles for first HK$1,000,000 new funds. Enjoy HK$3,000 or 30,000 Asia Miles for subsequent every HK$1,000,000 new funds. Up to $22,000 cash rebate or 220,000 Asia Miles.
      • Sign up Priority Banking via SC Mobile for HK$500 or 5000 Asia Miles extra reward

      Other Privileges:
      - 360° Rewards programme rewards you with Asia Miles / 360° Rewards Points on eligible banking products / transactions
      - Your dedicated Relationship Manager generates personalised investment ideas with rationale backed by the Bank’s house views, based on your portfolio holdings and risk profile
      - Well-trained Wealth Specialists to provide you with comprehensive wealth management solutions
      - International banking services with cross border witnessing service for account opening and global recognition of Priority status
      - Banking while supporting sustainable development with ESG Select & green deposit savings account

      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 or 9,000 Asia Miles
      HK$
      Min relationship balance
      HK$20000
      Min monthly salary
      HK$900
      Welcome offer (Up to)

        From now till 30 June 2023, become a new Premium Banking client to enjoy Premium Banking Welcome Privileges.

        Up to HKD900 Rebate. Just takes a few minutes to sign up via SC Mobile App, with extra HKD188 cash rebate.

        New Funds Growth Offer Up 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 Easy Banking
        • Earn Up To HKD300 cash reward
        HK$
        Min relationship balance
        HK$
        Min monthly salary
        HK$300
        Welcome offer (Up to)

          From now till 30 June 2023 open your personal account to enjoy exclusive welcome rewards. Life gets easy when you live smart.

          Account Opening Offer

          Complete the below missions to earn up to HK$300 cash reward:

          • Open an account via SC Mobile App can enjoy HKD100 cash reward
          • Register for the SC Mobile App, and deposit at least HKD10,000 or equivalent into the newly-opened account, and keep at least HKD10,000 deposit amount until designated date to enjoy HKD100 cash reward
          • Complete 2 or more of the below missions with SC Mobile App to earn HKD100 cash reward:

          • Fund transfer via SC Pay (FPS) and set Standard Chartered Bank as the FPS default receiving bank
          • Bill Payment
          • Open a Marathon Savings Account
          • Set up Time Deposit
          • Perform any Foreign Exchange transactions

          Earn Up To 2.4% p.a. Interest Booster by completing missions

          • Set up Online Time Deposit with new funds of HKD10,000 or above
          • Accumulate Online Foreign Exchange transactions of HKD10,000
          • Accumulate Online Investment Funds transactions of HKD10,000
          • Successful application and payment for, and successful issuance of, either Allianz Accident Protect / Allianz Cancer Protect / Allianz Hospital Income Protect / Allianz Home Protect

          JOIN EASY BANKING TO ENJOY THE EXCEPTIONAL PRIVILEGES

          • Fabulous account opening rewards
          • ATM daily cash withdrawal limit: HKD 20,000
          • ATM daily electronic payment limit: HKD 50,000
          • No minimum relationship balance requirement

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

          SCB Bonus Payroll Account
          • Enjoy Up to HKD2,000 cash rebate or 20,000 Asia Miles, up to 2% p.a. bonus HKD savings rate and up to 1,000 Miles every month
          HK$
          Min relationship balance
          HK$20000
          Min monthly salary
          HK$2000
          Welcome offer (Up to)

            New clients can enjoy up to HKD2,000 cash rebates & up to 2% p.a. bonus HKD savings rate

            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 to 30 June 2023)

            BANKING PLAN

            EASY BANKING

            PREMIUM BANKING/ PRIORITY BANKING/ PRIORITY PRIVATE

            MONTHLY SALARY RANGE (HKD)CASH REBATE (HKD) OR MILES
            150,000 or aboveHKD2,000 or 20,000
            80,000 to below 150,000HK$200 or 2,000HKD900 or 9,000
            50,000 to below 80,000HK$200 or 2,000HKD400 or 4,000
            20,000 to below 50,000HK$200 or 2,000HKD300 or 3,000

             

            Asia Miles Payroll Offer for all payroll clients - Up to 1,000 Miles every month

            • 1,000 Miles every month for Priority Private clients 
            • 800 Miles every month for Priority Banking clients 
            • 300 Miles every month for Premium Banking clients

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

            Citigold Account
            • [Till 31May] mReferral Exclusive Offer - Marshall Tufton Speaker - Black/ Sony 5.1ch Home Cinema with Wireless Rear Speakers | HT-S40R/ up to HK$3,500 Apple/ city'super/ Hutchgo.com Gift Card
            HK$1500000
            Min relationship balance
            HK$
            Min monthly salary
            HK$41500
            Welcome offer (Up to)
            • Account Opening Offer - Up to HK$49,600 Rewards

            mReferral/ MoneyHero Exclusive Offer - Marshall Tufton Speaker - Black/ Sony 5.1ch Home Cinema with Wireless Rear Speakers | HT-S40R/ up to HK$3,500 Apple Gift Card / city'super Gift Card / Hutchgo.com Gift Card

            • New Citi customers get rewarded with one of the following gifts by fulfilling the following requirements:
            Offer RequirementsOffers
            Maintain HK$2.5 million funds
            • Marshall Tufton Speaker - Black (valued at HK$3,699); or
            • HK$3,500 Apple Gift Card / city'super Gift Card / Hutchgo.com Gift Card
            Maintain HK$1.5 million funds
            • Sony 5.1ch Home Cinema with Wireless Rear Speakers | HT-S40R (valued at HK$2,990); or
            • HK$2,000 Apple Gift Card / city'super Gift Card / Hutchgo.com Gift Card
            Important DatesRequirements
            From 2 May 2023 12 noon till 31 May 2023 6 p.m.New Citi Customers who successfully apply for Citigold account via mReferral/ MoneyHero are entitled to mReferral/ MoneyHero Limiited-Time Exclusive Offer.
            Within 7 days of receiving the formSubmit the reward redemption form sent via email previously.
            On or before 7 June 2023The account must be successfully opened
            Maintain designated funds till 7 August 2023 
            • Tips:
              • Please turn off AdBlocker and private mode before application
              • Note down your application reference number shown on the application completion page for reference (e.g. #ABC123456789).
              • Upload all required documents when you apply for the card to facilitate the approval process.
              • After submitting your application via mReferral/ MoneyHero, you might be asked to proceed to branches for completing your account opening process. Please provide your application reference number to bank branch staff. Application reference number will be used by the bank to recognize your application is from mReferral/ MoneyHero.

             

            Account Opening Offer - Up to HK$49,600 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$38,300 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$5,000,000
            (Including designated product balance ≥ HK$1,500,000)
            HK$23,300 + HK$15,000 Cash Rebate
            ≥ HK$4,000,000
            (Including designated product balance ≥ HK$1,500,000)
            HK$15,500 + HK$11,000 Cash Rebate
            ≥ HK$2,500,000
            (Including designated product balance ≥ HK$1,500,000)
            HK$11,500 + HK$11,000 Cash Rebate
            ≥ HK$1,800,000
            (Including designated product balance ≥ HK$650,000)
            HK$7,500 + HK$6,500 Cash Rebate
            ≥ HK$1,500,000
            (Including designated product balance ≥ HK$200,000)
            HK$6,500 + HK$2,000 Cash Rebate
             Up to HK$38,300 cash rebate
            • Designated products include Mortgage, Designated Investment Products and Insurance Plans
            • Stock Transfer In Offer - Up to HK$10,000 Cash Rebate
              New customers who open a new Citibank account and reach a designated amount of stock transfer, can enjoy below rewards:
            New funds amountRewards
            ≥ HK$5,000,000HK$10,000 Cash Rebate
            ≥ HK$3,000,000HK$3,000 Cash Rebate
            ≥ HK$1,000,000HK$1,000 Cash Rebate
            ≥ HK$500,000HK$500 Cash Rebate

            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.

            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

             

            Mortgage FAQ
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