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We have selected plans for you
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Mortgage-link account provided, penalty period for 2 years
P
Bank offer
Private estate-
Mortgage-link account provided, penalty period for 2 years
More details
Plan features
- P-2.5%
- Mortgage-link account provided
- Cash rebate up to 1%
- Penalty period for 2 years
- All terms and conditions are subjected to Bank's final approval.
Long tenor P plan
P
Bank offer
內房-
Long tenor P plan
More details
Plan features
- Property location: Shenzhen and Zhuhai
- Applicable for 1st hand and 2nd hand private residential property
- Using Hong Kong dollars as loan currency
- Loan amount: Property priced below HK$10M, LTV up to 60% (Limit up to HK$5M); Property priced HK$10M or above, LTV up to 50%
- Only applicable to Hong Kong residents with HK ID card
- P=5.25%
- All terms and conditions are subjected to Bank's final approval
Low interest rate P plan + Greater Bay Area
P
Bank offer
內房-
Low interest rate P plan + Greater Bay Area
More details
Plan features
- Property location: Guangzhou, Shenzhen, Zhuhai, Foshan
- Applicable for private property (1st hand: Specific property; 2nd hand: Only for top-up refinancing)
- Using Hong Kong dollars as loan currency
- Loan amount: LTV up to 50% (Limit up to HK$10M)
- Only applicable to Hong Kong residents with HK ID card
- P=5.25%
- All terms and conditions are subjected to Bank's final approval
More cities covered + Extra coupons
P
Bank offer
內房-
More cities covered + Extra coupons
More details
Plan features
- Property location: Beijing, Shanghai, Guangzhou, Shenzhen, Zhongshan, Shunde, Shantou, Fuzhou, Quanzhou, Tianjin, Dongguan, Zhuhai
- Applicable to residential property, apartment, office and shop
- Loan amount: LTV up to 50% (Limit up to HK$50M)
- Using Hong Kong dollars as loan currency
- Handling charge: 0.5% of loan amount
- Only applicable to Hong Kong residents with HK ID card
- P=5%
- All terms and conditions are subjected to Bank's final approval
Carpark P Plan + High cash rebate + 2 yrs penalty
P
Bank offer
New property-
Carpark P Plan + High cash rebate + 2 yrs penalty
More details
Plan features
- P-2.5%
- Mortgage-link account provided
- Cash rebate up to 1%
- Penalty period for 2 years
- All terms and conditions are subjected to Bank's final approval.
Carpark P Plan + High cash rebate + 2 yrs penalty
P
Bank offer
Village house-
Carpark P Plan + High cash rebate + 2 yrs penalty
More details
Plan features
- P-2.5%
- Mortgage-link account provided
- Cash rebate up to 1%
- Penalty period for 2 years
- All terms and conditions are subjected to Bank's final approval.
Carpark P Plan + High cash rebate + 2 yrs penalty
P
Bank offer
Chinese tenement-
Carpark P Plan + High cash rebate + 2 yrs penalty
More details
Plan features
- P-2.5%
- Mortgage-link account provided
- Cash rebate up to 1%
- Penalty period for 2 years
- All terms and conditions are subjected to Bank's final approval.
Low interest rate H Plan + High cash rebate + penalty period for 2 years
H
Bank offer
Private estate-
Low interest rate H Plan + High cash rebate + penalty period for 2 years
More details
Plan features
- As low as H+1.4%
- Capped at P-2.75%
- Cash rebate up to 1% (Applicable to loan size of $3M or above)
- Penalty period for 2 years
- All terms and conditions are subjected to Bank's final approval.
Low interest rate H Plan + High cash rebate + penalty period for 2 years
H
Bank offer
Village house-
Low interest rate H Plan + High cash rebate + penalty period for 2 years
More details
Plan features
- As low as H+1.4%
- Capped at P-2.75%
- Cash rebate up to 1% (Applicable to loan size of $3M or above)
- Penalty period for 2 years
- All terms and conditions are subjected to Bank's final approval.
Low interest rate H Plan + High cash rebate + penalty period for 2 years
H
Bank offer
New property-
Low interest rate H Plan + High cash rebate + penalty period for 2 years
More details
Plan features
- As low as H+1.4%
- Capped at P-2.75%
- Cash rebate up to 1% (Applicable to loan size of $3M or above)
- Penalty period for 2 years
- All terms and conditions are subjected to Bank's final approval.
H Plan + 2 yrs penalty
H
Bank offer
New property-
H Plan + 2 yrs penalty
More details
Plan features
- As low as H+1.35%
- Penalty period for 2 years
- All terms and conditions are subjected to Bank's final approval.
Easy approval + Low 1st installment + High LTV Plan + 2 yrs penatly
P
Financial Co offer
Chinese tenement-
Easy approval + Low 1st installment + High LTV Plan + 2 yrs penatly
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.
Low interest rate H Plan + High cash rebate + penalty period for 2 years
H
Bank offer
Chinese tenement-
Low interest rate H Plan + High cash rebate + penalty period for 2 years
More details
Plan features
- As low as H+1.4%
- Capped at P-2.75%
- Cash rebate up to 1% (Applicable to loan size of $3M or above)
- Penalty period for 2 years
- All terms and conditions are subjected to Bank's final approval.
Easy approval + Low 1st installment + High LTV Plan + 2 yrs penatly
P
Financial Co offer
Chinese tenement-
Easy approval + Low 1st installment + High LTV Plan + 2 yrs penatly
More details
Plan features
- Low 1st installment
- Penalty period for 2 years
- All terms and conditions are subjected to Bank's final approval.
H Plan + 2 yrs penalty
H
Bank offer
Chinese tenement-
H Plan + 2 yrs penalty
More details
Plan features
- As low as H+1.35%
- Penalty period for 2 years
- All terms and conditions are subjected to Bank's final approval.
H Plan + High mortgage-link interest
H
Bank offer
Chinese tenement-
H Plan + High mortgage-link interest
More details
Plan features
- H+1.3% (Applicable to loan size of $10M or above)
- Mortgage-link account provided
- Cash rebate up to 1%
- Penalty period for 2 years
- All terms and conditions are subjected to Bank's final approval.
H Plan + High mortgage-link interest
H
Bank offer
Private estate-
H Plan + High mortgage-link interest
More details
Plan features
- H+1.3% (Applicable to loan size of $10M or above)
- Mortgage-link account provided
- Cash rebate up to 1%
- Penalty period for 2 years
- All terms and conditions are subjected to Bank's final approval.
H Plan + 2 yrs penalty
H
Bank offer
Private estate-
H Plan + 2 yrs penalty
More details
Plan features
- As low as H+1.35%
- Penalty period for 2 years
- All terms and conditions are subjected to Bank's final approval.
Easy approval + Low 1st installment + High LTV Plan + 2 yrs penatly
P
Financial Co offer
Private estate-
Easy approval + Low 1st installment + High LTV Plan + 2 yrs penatly
More details
Plan features
- Low 1st installment
- Penalty period for 2 years
- All terms and conditions are subjected to Bank's final approval.
Easy approval + Low 1st installment + High LTV Plan + 2 yrs penatly
P
Financial Co offer
Private estate-
Easy approval + Low 1st installment + High LTV Plan + 2 yrs penatly
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.
H Plan + High mortgage-link interest
H
Bank offer
New property-
H Plan + High mortgage-link interest
More details
Plan features
- As low as H+1.3% for the whole tenor (Applicable to loan size of $10M or above)
- Mortgage-link account provided
- Cash rebate up to 1%
- Penalty period for 2 years
- All terms and conditions are subjected to Bank's final approval.
Easy approval + Low interest rate + 2 yrs penalty
P
Financial Co offer
New property-
Easy approval + Low interest rate + 2 yrs penalty
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.
Easy approval P Plan + Low interest rate + High LTV Plan
P
Financial Co offer
New property-
Easy approval P Plan + Low interest rate + High LTV Plan
More details
Plan features
- As low as P-2.6% for the whole tenor
- No cash rebate
- Penalty period for 2 years
- All terms and conditions are subjected to Bank's final approval.
Applicable to 2019 HOS: Low interest rate + High rebate + Up to $8,000 cash rebate
P
Bank offer
HOS-
Applicable to 2019 HOS: Low interest rate + High rebate + Up to $8,000 cash rebate
More details
Plan features
- As low as P-2.75% (P=5.25%) for the whole tenor (for HOS flats without premium paid)
- Cash rebate up to 0.6%
- Tenor up to 25 years
- Penalty period for 2 years
- This promotion starts on 9/12/2019 until further notice.
- Only applicable to the following HOS estates: Kwun Tak Court, Yung Ming Court, Sheung Man Court, Hoi Tak Court, Yuk Wo Court and Kam Fai Court.
- The loan size must be at least 4 million or above.
- Applicants submit their application through mReferral and complete the drawdown, they will be entitled to enjoy the cash rebate up to $8,000.
- mReferral reserves the right of the final decision on this promotion.
- All terms and conditions are subjected to Bank's final approval.
Easy approval + P Plan with Low 1st installment + Large loan size + High LTV Plan
P
Financial Co offer
HOS-
Easy approval + P Plan with Low 1st installment + Large loan size + High LTV Plan
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.
High cash rebate, penalty period for 2 years
H
Bank offer
Village house-
High cash rebate, penalty period for 2 years
More details
Plan features
- As low as H+1.3% for the whole tenor (Applicable to loan size of $10M or above)
- Mortgage-link account provided
- Cash rebate up to 1%
- Penalty period for 2 years
- All terms and conditions are subjected to Bank's final approval.
H Plan + 2 yrs penalty
H
Bank offer
Village house-
H Plan + 2 yrs penalty
More details
Plan features
- As low as H+1.35%
- Penalty period for 2 years
- All terms and conditions are subjected to Bank's final approval.
H
Bank offer
Industrial & commerce-
More details
Plan features
- As low as H+1.7%
- Capped at P-2.65%
- Penalty period for 2 years
- All terms and conditions are subjected to Bank's final approval.
Easy approval + Low 1st installment + High LTV Plan + Large loan size
P
Financial Co offer
Industrial & commerce-
Easy approval + Low 1st installment + High LTV Plan + Large loan size
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
Carpark P Plan + High cash rebate + 2 yrs penalty
P
Bank offer
Carpark-
Carpark P Plan + High cash rebate + 2 yrs penalty
More details
Plan features
- As low as P-2.4% 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
P Plan + Low 1st installment + Large loan size + High LTV
P
Financial Co offer
Carpark-
P Plan + Low 1st installment + Large loan size + High LTV
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
Exemption on Income Stress Test, Speedy Approval
P
All Property type
Exemption on Income Stress Test, Speedy Approval
More details
Plan features
- Listed company member Interest only installments Accepts early repayment No hidden fees Exemption on income stress test Accepts all types of properties, e.g. residential, industrial and commercial. No limit on maximum loan amount All terms and conditions are subjected on company's final approval To borrow or not to borrow? Borrow only if you can repay!
按揭 Q & A :
- 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
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