Comparsion
- Property type -
- Features -
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- Property information -
HK$
%
Property information
HK$
%
Yrs
Property type
Features
All/Clear
We have selected plans for you
按揭計算機
計得更準確
P Plan+ High cash rebate + 3 yrs penalty
P
Bank offer
2.25%
$
%
90%
P
Bank offer
9成半業主成功批核,另可享高達$6,000現金回贈
More details
Plan features
  • P-3%
  • Cash rebate up to 1.6%
  • Penalty period for 3 years
  • All terms and conditions are subjected to Bank's final approval.
Apply now
  1. P Plan+ High cash rebate + 3 yrs penalty
H Plan + High mortgage-link interest + 3 yrs penalty
H
Bank offer
2.35%
$
%
90%
H
Bank offer
9成半業主成功批核,另可享高達$6,000現金回贈
More details
Plan features
  • As low as H+1.24%
  • Capped at P-2.9%
  • Mortgage-link account provided
  • Cash rebate up to 1.8%
  • Penalty period for 3 years
  • All terms and conditions are subjected to Bank's final approval.
Apply now
  1. H Plan + High mortgage-link interest + 3 yrs penalty
H Plan + High mortgage-link interest + 2 yrs penalty
H
Bank offer
2.35%
$
%
90%
H
Bank offer
9成半業主成功批核,另可享高達$6,000現金回贈
More details
Plan features
  • As low as H+1.24%
  • Capped at P-2.9%
  • Mortgage-link account provided
  • Cash rebate up to 1.6%
  • Penalty period for 2 years
  • All terms and conditions are subjected to Bank's final approval.
Apply now
  1. H Plan + High mortgage-link interest + 2 yrs penalty
Easy approval + Low 1st installment + High LTV Plan + 2 yrs penatly
P
Financial Co offer
5.5%
$
%
70%
P
Financial Co offer
9成半業主成功批核,另可享高達$6,000現金回贈
More details
Plan features
  • Low 1st installment
  • Penalty period for 2 years
  • All terms and conditions are subjected to Bank's final approval.
Apply now
  1. Easy approval + Low 1st installment + High LTV Plan + 2 yrs penatly
Easy approval + Low 1st installment + High LTV Plan + 2 yrs penatly
P
Financial Co offer
6.75%
$
%
80%
P
Financial Co offer
9成半業主成功批核,另可享高達$6,000現金回贈
More details
Plan features
  • Low 1st installment
  • P+1.5%
  • Penalty period for 2 years
  • All terms and conditions are subjected to Bank's final approval.
Apply now
  1. Easy approval + Low 1st installment + High LTV Plan + 2 yrs penatly
High cash rebate, penalty period for 3 years
P
Bank offer
2.25%
$
%
90%
P
Bank offer
9成半業主成功批核,另可享高達$6,000現金回贈
More details
Plan features
  • P-3%
  • Cash rebate up to 1.6%
  • Penalty period for 3 years
  • All terms and conditions are subjected to Bank's final approval.
Apply now
  1. High cash rebate, penalty period for 3 years
Mortgage-link account provided, penalty period for 3 years
H
Bank offer
2.35%
$
%
90%
H
Bank offer
9成半業主成功批核,另可享高達$6,000現金回贈
More details
Plan features
  • As low as H+1.24%
  • Capped at P-2.9%
  • Mortgage-link account provided
  • Cash rebate up to 1.8%
  • Penalty period for 3 years
  • All terms and conditions are subjected to Bank's final approval.
Apply now
  1. Mortgage-link account provided, penalty period for 3 years
Mortgage-link account provided, penalty period for 2 years
H
Bank offer
2.35%
$
%
90%
H
Bank offer
9成半業主成功批核,另可享高達$6,000現金回贈
More details
Plan features
  • As low as H+1.24%
  • Capped at P-2.9%
  • Mortgage-link account provided
  • Cash rebate up to 1.6%
  • Penalty period for 2 years
  • All terms and conditions are subjected to Bank's final approval.
Apply now
  1. Mortgage-link account provided, penalty period for 2 years
Easy approval + Low 1st installment + High LTV Plan + 2 yrs penatly
P
Financial Co offer
5.5%
$
%
70%
P
Financial Co offer
9成半業主成功批核,另可享高達$6,000現金回贈
More details
Plan features
  • Low 1st installment
  • Penalty period for 2 years
  • All terms and conditions are subjected to Bank's final approval.
Apply now
  1. Easy approval + Low 1st installment + High LTV Plan + 2 yrs penatly
Easy approval + Low 1st installment + High LTV Plan + 2 yrs penatly
P
Financial Co offer
6.75%
$
%
80%
P
Financial Co offer
9成半業主成功批核,另可享高達$6,000現金回贈
More details
Plan features
  • Low 1st installment
  • P+1.5%
  • Penalty period for 2 years
  • All terms and conditions are subjected to Bank's final approval.
Apply now
  1. Easy approval + Low 1st installment + High LTV Plan + 2 yrs penatly
P Plan + High cash rebate + 3 yrs penalty
P
Bank offer
2.25%
$
%
90%
P
Bank offer
9成半業主成功批核,另可享高達$6,000現金回贈
More details
Plan features
  • As low as P-3% for the whole tenor
  • Cash rebate up to 1.6%
  • Penalty period for 3 years
  • All terms and conditions are subjected to Bank's final approval.
Apply now
  1. P Plan + High cash rebate + 3 yrs penalty
H Plan + High mortgage-link interest + 3 yrs penalty
H
Bank offer
2.35%
$
%
90%
H
Bank offer
9成半業主成功批核,另可享高達$6,000現金回贈
More details
Plan features
  • As low as H+1.24%
  • Capped at P-2.65%
  • Mortgage-link account provided
  • Cash rebate up to 1.8%
  • Penalty period for 2 years
  • All terms and conditions are subjected to Bank's final approval.
Apply now
  1. H Plan + High mortgage-link interest + 3 yrs penalty
H Plan + High mortgage-link interest + 2 yrs penalty
H
Bank offer
2.35%
$
%
80%
H
Bank offer
9成半業主成功批核,另可享高達$6,000現金回贈
More details
Plan features
  • As low as H+1.24% (Only applicable to loan size 3M or above)
  • Capped at P-3%
  • Mortgage-link account provided
  • Cash rebate up to 2.15% (Only applicable to 2nd hand property with loan size 8M or above)
  • Penalty period for 2 years
  • All terms and conditions are subjected to Bank's final approval.
Apply now
  1. H Plan + High mortgage-link interest + 2 yrs penalty
Easy approval P Plan + Low interest rate + High LTV Plan
P
Financial Co offer
2.55%
$
%
80%
P
Financial Co offer
9成半業主成功批核,另可享高達$6,000現金回贈
More details
Plan features
  • As low as P-2.7% for the whole tenor
  • No cash rebate
  • Penalty period for 2 years
  • All terms and conditions are subjected to Bank's final approval.
Apply now
  1. Easy approval P Plan + Low interest rate + High LTV Plan
Easy approval + Low interest rate + 2 yrs penalty
P
Financial Co offer
5.5%
$
%
70%
P
Financial Co offer
9成半業主成功批核,另可享高達$6,000現金回贈
More details
Plan features
  • LTV upto 70% or loan amount upto 35 millions (Whichever is lower)
  • Penalty period for 2 years
  • No cash rebate
  • All terms and conditions are subjected to Bank's final approval.
Apply now
  1. Easy approval + Low interest rate + 2 yrs penalty
HOS P Plan + High cash rebate + 2 yrs penalty
P
Bank offer
2.4%
$
%
95%
P
Bank offer
9成半業主成功批核,另可享高達$6,000現金回贈
More details
Plan features
  • As low as P-2385% for the whole tenor (for HOS flats without premium paid)
  • Mortgage-link account provided
  • Cash rebate up to 1.5%
  • Penalty period for 2 years
  • All terms and conditions are subjected to Bank's final approval.
Apply now
  1. HOS P Plan + High cash rebate + 2 yrs penalty
Easy approval + P Plan with Low 1st installment + Large loan size + High LTV Plan
P
Financial Co offer
6.75%
$
%
80%
P
Financial Co offer
9成半業主成功批核,另可享高達$6,000現金回贈
More details
Plan features
  • As low as P+1.5% for the whole tenor
  • LTV up to 80%
  • Penalty period for 2 years
  • All terms and conditions are subjected to Bank's final approval.
Apply now
  1. Easy approval + P Plan with Low 1st installment + Large loan size + High LTV Plan
P Plan + High cash rebate + 3 yrs penalty
P
Bank offer
2.25%
$
%
85%
P
Bank offer
9成半業主成功批核,另可享高達$6,000現金回贈
More details
Plan features
  • As low as P-3% for the whole tenor
  • Cash rebate up to 1.6%
  • Penalty period for 3 years
  • All terms and conditions are subjected to Bank's final approval.
Apply now
  1. P Plan + High cash rebate + 3 yrs penalty
H Plan + High mortgage-link interest + 3 yrs penalty
H
Bank offer
2.35%
$
%
85%
H
Bank offer
9成半業主成功批核,另可享高達$6,000現金回贈
More details
Plan features
  • As low as H+1.24%
  • Capped at P-2.65%
  • Mortgage-link account provided
  • Cash rebate up to 1.8%
  • Penalty period for 3 years
  • All terms and conditions are subjected to Bank's final approval.
Apply now
  1. H Plan + High mortgage-link interest + 3 yrs penalty
H Plan + High mortgage-link interest + 3 yrs penalty
H
Bank offer
2.35%
$
%
85%
H
Bank offer
9成半業主成功批核,另可享高達$6,000現金回贈
More details
Plan features
  • As low as H+1.24%
  • Capped at P-2.9%
  • Mortgage-link account provided
  • Cash rebate up to 1.6%
  • Penalty period for 2 years
  • All terms and conditions are subjected to Bank's final approval.
Apply now
  1. H Plan + High mortgage-link interest + 3 yrs penalty
Easy approval + Low 1st installment + High LTV Plan + Large loan size
P
Financial Co offer
6.75%
$
%
80%
P
Financial Co offer
9成半業主成功批核,另可享高達$6,000現金回贈
More details
Plan features
  • P+1.5% for the whole tenor
  • LTV up to 80%
  • Penalty period for 2 years
  • All terms and conditions are subjected to Bank's final approval. Call mReferral for further questions at 319-66666
Apply now
  1. Easy approval + Low 1st installment + High LTV Plan + Large loan size
P Plan + High cash rebate + 2 yrs penalty
P
Bank offer
2.35%
$
%
40%
P
Bank offer
9成半業主成功批核,另可享高達$6,000現金回贈
More details
Plan features
  • As low as P-2.65% for the whole tenor
  • Cash rebate up to 1%
  • Penalty period for 2 years
  • All terms and conditions are subjected to Bank's final approval.
Apply now
  1. P Plan + High cash rebate + 2 yrs penalty
Easy approval + Low 1st installment + High LTV Plan + Large loan size
P
Financial Co offer
6.75%
$
%
60%
P
Financial Co offer
9成半業主成功批核,另可享高達$6,000現金回贈
More details
Plan features
  • P+1.5% for the whole tenor
  • LTV up to 60%
  • Penalty period for 2 years
  • All terms and conditions are subjected to Bank's final approval. Call mReferral for further questions at 319-66666
Apply now
  1. Easy approval + Low 1st installment + High LTV Plan + Large loan size
Carpark P Plan + High cash rebate + 2 yrs penalty
P
Bank offer
2.35%
$
%
40%
P
Bank offer
9成半業主成功批核,另可享高達$6,000現金回贈
More details
Plan features
  • As low as P-2.9% for the whole tenor
  • Cash rebate up to 1.4%
  • Penalty period for 2 years
  • All terms and conditions are subjected to Bank's final approval. Call mReferral for further questions at 319-66666
Apply now
  1. Carpark P Plan + High cash rebate + 2 yrs penalty
P Plan + Low 1st installment + Large loan size + High LTV
P
Financial Co offer
6.5%
$
%
60%
P
Financial Co offer
9成半業主成功批核,另可享高達$6,000現金回贈
More details
Plan features
  • As low as P+1% for the whole tenor
  • Penalty period for 2 years
  • All terms and conditions are subjected to Bank's final approval. Call mReferral for further questions at 319-66666
Apply now
  1. P Plan + Low 1st installment + Large loan size + High LTV

按揭 Q & A :

自僱人士可以申請按揭?

  • 可以,只要有齊完備個人資料和收入證明例如6個月以上公司的銀行月結單、商業登記及租約等,都可以申請銀行按揭。


 

沒有固定收入人士可以申請按揭嗎?

  • 可以,只要有齊完備個人資料和收入證明例如6個月以上公司的銀行月結單和稅單,就可以申請按揭。不過若果想購入400萬元以下的物業並打算承造九成按揭的話,一定要仔細留意,因為香港按揭證券有限公司對於收入浮動的人士,一般上限只能批出八成按揭,即使願意批出九成,亦只會以底薪作為準則,變相借貸額可能會少了很多。


 

已經擔保人士可以申請按揭嗎?

  • 可以,只要借貸人通過壓力測試,依然可以向銀行申請按揭,一般來說按揭成數會比沒有擔保的申請人低約10%。


 

銀行審批按揭時間需要多久?

  • 銀行審批按揭,需要時間通常為一個星期到一個月


 

P按還是H按比較抵?

  • P按計劃以最優惠利率(Prime rate) 減去某個百分比作為按揭利率,例如按揭計劃為P-3%,而當時最優惠利率是5.375%,則實際按息為5.375%-3% = 2.375%。
  • H按計劃則以銀行同業拆息(HIBOR)加上某個百分比作為按揭利率,如果按揭計劃為H+1.23%,而該月的HIBOR利率是1.5%,該月的實際按息為 1.5% + 1.23% = 2.73%。
  • 為了讓選用H按的置業人士安心,銀行通常會設有「鎖定按息上限」的機制,俗稱為「封頂位」,例如計劃封頂利率為P-3%,當HIBOR等於1.5%時,因為H+1.23%(=2.73%)比起P-3%(=2.375%)為高,所以該月的按揭利率依然是P-3%,即是2.375%。只要H按計劃的「封頂位」不高於P按的利率,H按計劃是比P按計劃優惠抵的。"

 

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17/F, OTB Building,
160 Gloucester Road,
Wanchai, Hong Kong

Office hours:
9:00 am to 6:00 pm (Mon to Fri)
Closed on Saturday,Sunday and Public Holidays