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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
  • 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 30 Nov] mReferral Exclusive Offer - Round Trip Flight Ticket to Bangkok with Emirates (for the first 100 successful applicants only!)
HK$
Min relationship balance
HK$
Min monthly salary
HK$150
Welcome offer (Up to)
  • Up to 12% Cash Rebate

[Till 30 Nov] mReferral Exclusive Offer - First Priority: Round Trip Flight Ticket to Bangkok with Emirates (tax and fuel surcharge excluded, for the first 100 successful applicants only!);

Second Priority: HK$500 Apple Store Gift Card / HK$500 HKTVmall e-Gift Voucher / HK$500 Trip.com Gift Card

  • From 21 November 2022 12:00 p.m. to 28 November 2022 6:00 p.m., New Citi customers (applicants) who successfully apply for Citi Plus Account via mReferral/ MoneyHero can enjoy
    • First Priority: Round Trip Flight Ticket to Bangkok with Emirates (tax and fuel surcharge excluded, for the first 100 successful applicants only!); Second Priority: HK$500 Apple Store Gift Card / HK$500 HKTVmall e-Gift Voucher / HK$500 Trip.com Gift Card
    • If the quota of 100 winners is filled, the prize will be automatically converted to the second option.
  • Application for the Designated Bank Account should be approved by Citibank on or before 31 December 2022, subject to the Citibank’s system records.
  • 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. 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$10,000 new fund to enjoy HK$200 cash rebate
  • Reward 2 - 4.9% p.a. Interest
    • New customers fund in to enjoy an extra savings rate up to 3% p.a. for first HK$50,000 deposit balance, up to 4.9% p.a. in total
  • Reward 3 - 3% 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% p.a. Foreign Currency deposit rate
  • Reward 4 - Samsung Galaxy Tab S6 Lite Spending Reward
    • Successful apply Citi Plus Account or designated credit card to enjoy upgrade welcome offer Samsung Galaxy Tab S6 Lite (value at HK$2,988)
  • Reward 5 - Spending reward up to HK$600 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 6 - 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.

p to 12% rebate on designated cooperative merchants spending

MerchantPercentage of rebate (%)Maximum Rebate Amount (HK$) for Merchant(s)
[Latest offer] HOME+12%HK$300
[Latest offer] KKBOX12%HK$300
[Latest offer] hutchgo Travel Platform6%HK$300
Deliveroo12%HK$300
foodpanda12%HK$300
KKday12%HK$300

Spending which is posted on Apple service "APPLE.COM/BILL", including iCloud, Apple Music, Apps, Games, Apple TV app, Movies, Books

12%HK$300
HKTaxi12%HK$300
C4512%HK$300
Ministry of Mussels12%HK$300
Sushi Yonjugo12%HK$300
TELLUS12%HK$300
  • 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$600 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 March 2023.
  • Campaign period: From 1 October 2022 to 31 January 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 1.9% p.a.

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.

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 Nov] mReferral Exclusive Offer - BRUNO Soymilk & Soup Blender (valued at HK$698, random colour) OR Soul S-Storm Max Waterproof Bluetooth Speaker (valued at HK$648) OR HK$500 Apple Store Gift Card OR HK$500 HKTVmall e-Voucher
HK$
Min relationship balance
HK$
Min monthly salary
HK$10398
Welcome offer (Up to)
  • Monopoly Deposit - Bonus Interest Rate up to 7.28% p.a.
  • Spending Offer - Motion Virtual Credit Card HK$1,000 cash rebate
  • From now till 30 November 2022 06:00 p.m., new customers who open inMotion Multi-Currencies Statement Savings Account via mReferral/ MoneyHero by using promo code "2MH22Q10" are entitled to BRUNO Soymilk & Soup Blender (valued at HK$698, random colour) OR Soul S-Storm Max Waterproof Bluetooth Speaker (valued at HK$648) OR HK$500 Apple Store Gift Card OR HK$500 HKTVmall e-Voucher
Important DatesRequirements
7 Nov 2022 12:00 p.m to 30 Nov 2022 06:00 p.mNew CNCBI Customers who successfully apply for inMotion Multi-Currencies Statement Savings Account via  mReferral/ MoneyHero are entitled to  mReferral/ MoneyHero Liimited-Time Exclusive Offer.
Within 7 days of receiving the formSubmit the reward redemption form sent via email previously.
The account must be successfully opened on or before 31 December 2022
  • 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.

Account Opening Rewards - HK$200 Cash Rewards

  • From 1 October to 31 December 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 – Up to HK$1,000 Cash rebate 

  • From 1 October to 31 December 2022, New Cardmembers who successfully apply for CNCBI Motion Virtual Credit Card can enjoy 6% Cash Rebate on retail spending made in the first 5 months, up to HK$1,000 cash rebate welcome offer, together with the year-round offer of 6% Cash Rebate on dining and online spending, you can get up to 12% Cash Rebate on dining and online spending in total

Saving Offers

  • From 1 October 2022 to 29 October 2022, Register for MONOPOLY Deposit can enjoy bonus interest rate of up to 7.28% p.a. and online exclusive time deposits rate up to 3.70% p.a. for HKD 3.50% p.a. for USD

Investment Offers

  • Up to 12 months $0 brokerage commission for buying securities
  • Selected Customers to enjoy 0.125% brokerage commission for securities trading
  • Enjoy 12 Months $0 Advisory Service Fee. Start investing with Robo 360 as low as HK$800 for 7x24 portfolio monitoring and allocation suggestion service!
  • 0% subscription fee via online channels for Investment fund
  • Enjoy up to HK$2,500 Cash Rewards for accumulated FX transaction

Referral Rewards

  • From 25 September to 31 December 2022, enjoy HK$200 Referral Reward by referring a friend to open Multi-Currencies Statement Savings Account via inMotion successfully; and enjoy HK$400 Deposit Reward when your friend makes a deposit of a minimum of HK$10,000 in total to the newly opened account. Enjoy up to HK$6,000 MGM Reward by referring 10 friends

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.

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 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 September 2022, 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” 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 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 September 2022, 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 September 2022, 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.

          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 2.4% p.a. Interest Booster
          HK$10000
          Min relationship balance
          HK$
          Min monthly salary
          HK$235
          Welcome offer (Up to)
          • 1.88%p.a. HKD preferential savings rate welcome offer (equivalent to up to extra HK$ 235 interest)
          • Sign up for Bonus Payroll Account as well to enjoy at least 2% cash rewards on all eligible spending and up to 9.5% cash rewards at designated merchants

          From now till 30 June 2022 open your personal account via SC Mobile to enjoy exclusive welcome rewards. Life gets easy when you live smart.

          Mobile Account Opening Offer

          Open your personal account via SC Mobile and sign up for Easy Banking now can enjoy 1.88%p.a. HKD Preferential Savings Rate!

          Open a Bonus Payroll Account to enjoy at least 2% cash rewards on spending with Smart Card and up to 9.5% cash rewards on spending at Designated Merchants.

          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

          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 HKD900 cash rebate
          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 HKD2,000 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 June 2022 to 30 September 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 6 Dec] mReferral Exclusive Offer - HK$1,000 supermarket coupon
          HK$1500000
          Min relationship balance
          HK$
          Min monthly salary
          HK$43000
          Welcome offer (Up to)
          • Account Opening Offer - Up to HK$38,800 Cash Rebate

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

          • From now till 6 December 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.

           

          Account Opening Offer - Up to HK$38,800 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$37,500 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.

          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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