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HK$
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Property information
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%
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Property type
Features
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We have selected plans for you
按揭計算機
計得更準確
Mortgage-link account provided, penalty period for 2 years
P
Bank offer
2.5%
$
%
90%
P
Bank offer
95% homebuyers approved successfully. Enjoy up to $6,000 cash rebate
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.
Apply now
  1. Mortgage-link account provided, penalty period for 2 years
Carpark P Plan + High cash rebate + 2 yrs penalty
P
Bank offer
2.5%
$
%
90%
P
Bank offer
95% homebuyers approved successfully. Enjoy up to $6,000 cash rebate
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.
Apply now
  1. Carpark P Plan + High cash rebate + 2 yrs penalty
Carpark P Plan + High cash rebate + 2 yrs penalty
P
Bank offer
2.5%
$
%
85%
P
Bank offer
95% homebuyers approved successfully. Enjoy up to $6,000 cash rebate
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.
Apply now
  1. Carpark P Plan + High cash rebate + 2 yrs penalty
Carpark P Plan + High cash rebate + 2 yrs penalty
P
Bank offer
2.5%
$
%
90%
P
Bank offer
95% homebuyers approved successfully. Enjoy up to $6,000 cash rebate
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.
Apply now
  1. Carpark P Plan + High cash rebate + 2 yrs penalty
Low interest rate H Plan + High cash rebate + penalty period for 2 years
H
Bank offer
1.816%
$
%
90%
H
Bank offer
95% homebuyers approved successfully. Enjoy up to $6,000 cash rebate
More details
Plan features
  • As low as H+1.4%
  • Capped at P-2.75%
  • Cash rebate up to 1%
  • Penalty period for 2 years
  • All terms and conditions are subjected to Bank's final approval.
Apply now
  1. Low interest rate H Plan + High cash rebate + penalty period for 2 years
Low interest rate H Plan + High cash rebate + penalty period for 2 years
H
Bank offer
1.816%
$
%
85%
H
Bank offer
95% homebuyers approved successfully. Enjoy up to $6,000 cash rebate
More details
Plan features
  • As low as H+1.4%
  • Capped at P-2.75%
  • Cash rebate up to 1%
  • Penalty period for 2 years
  • All terms and conditions are subjected to Bank's final approval.
Apply now
  1. Low interest rate H Plan + High cash rebate + penalty period for 2 years
Low interest rate H Plan + High cash rebate + penalty period for 2 years
H
Bank offer
1.816%
$
%
90%
H
Bank offer
95% homebuyers approved successfully. Enjoy up to $6,000 cash rebate
More details
Plan features
  • As low as H+1.4%
  • Capped at P-2.75%
  • Cash rebate up to 1%
  • Penalty period for 3 years
  • All terms and conditions are subjected to Bank's final approval.
Apply now
  1. Low interest rate H Plan + High cash rebate + penalty period for 2 years
Low interest rate H Plan + High cash rebate + penalty period for 2 years
H
Bank offer
1.816%
$
%
90%
H
Bank offer
95% homebuyers approved successfully. Enjoy up to $6,000 cash rebate
More details
Plan features
  • As low as H+1.4%
  • Capped at P-2.75%
  • Cash rebate up to 1%
  • Penalty period for 2 years
  • All terms and conditions are subjected to Bank's final approval.
Apply now
  1. Low interest rate H Plan + High cash rebate + penalty period for 2 years
Easy approval + Low 1st installment + High LTV Plan + 2 yrs penatly
P
Financial Co offer
6.75%
$
%
80%
P
Financial Co offer
95% homebuyers approved successfully. Enjoy up to $6,000 cash rebate
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
Easy approval + Low 1st installment + High LTV Plan + 2 yrs penatly
P
Financial Co offer
5.5%
$
%
70%
P
Financial Co offer
95% homebuyers approved successfully. Enjoy up to $6,000 cash rebate
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
H Plan + High mortgage-link interest + 2 yrs penalty
H
Bank offer
1.716%
$
%
90%
H
Bank offer
95% homebuyers approved successfully. Enjoy up to $6,000 cash rebate
More details
Plan features
  • As low as H+1.26%
  • Capped at P-2.75%
  • Mortgage-link account provided
  • Cash rebate up to 1.3%
  • 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
High cash rebate, penalty period for 2 years
P
Bank offer
2.5%
$
%
60%
P
Bank offer
95% homebuyers approved successfully. Enjoy up to $6,000 cash rebate
More details
Plan features
  • P-2.75%
  • 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.
Apply now
  1. High cash rebate, penalty period for 2 years
High cash rebate, penalty period for 2 years
P
Bank offer
2.5%
$
%
60%
P
Bank offer
95% homebuyers approved successfully. Enjoy up to $6,000 cash rebate
More details
Plan features
  • P-2.75%
  • 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.
Apply now
  1. High cash rebate, penalty period for 2 years
Mortgage-link account provided, penalty period for 2 years
H
Bank offer
1.716%
$
%
90%
H
Bank offer
95% homebuyers approved successfully. Enjoy up to $6,000 cash rebate
More details
Plan features
  • As low as H+1.26%
  • Capped at P-2.75%
  • Mortgage-link account provided
  • Cash rebate up to 1.3%
  • 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
95% homebuyers approved successfully. Enjoy up to $6,000 cash rebate
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
95% homebuyers approved successfully. Enjoy up to $6,000 cash rebate
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 2 years
P
Bank offer
2.5%
$
%
60%
P
Bank offer
95% homebuyers approved successfully. Enjoy up to $6,000 cash rebate
More details
Plan features
  • As low as P-2.75% for the whole tenor
  • 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.
Apply now
  1. High cash rebate, penalty period for 2 years
H Plan + High mortgage-link interest + 2 yrs penalty
H
Bank offer
1.716%
$
%
90%
H
Bank offer
95% homebuyers approved successfully. Enjoy up to $6,000 cash rebate
More details
Plan features
  • As low as H+1.26%
  • Capped at P-2.75%
  • Mortgage-link account provided
  • Cash rebate up to 1.3%
  • 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
2.65%
$
%
80%
P
Financial Co offer
95% homebuyers approved successfully. Enjoy up to $6,000 cash rebate
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.
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
95% homebuyers approved successfully. Enjoy up to $6,000 cash rebate
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
Applicable to 2019 HOS: Low interest rate + High rebate + Up to $8,000 cash rebate
P
Bank offer
2.5%
$
%
95%
P
Bank offer
95% homebuyers approved successfully. Enjoy up to $6,000 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 1%
  • 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.
Apply now
  1. Applicable to 2019 HOS: Low interest rate + High rebate + Up to $8,000 cash rebate
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
95% homebuyers approved successfully. Enjoy up to $6,000 cash rebate
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
High cash rebate, penalty period for 2 years
P
Bank offer
2.5%
$
%
60%
P
Bank offer
95% homebuyers approved successfully. Enjoy up to $6,000 cash rebate
More details
Plan features
  • As low as P-2.75% for the whole tenor
  • 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.
Apply now
  1. High cash rebate, penalty period for 2 years
H Plan + High mortgage-link interest + 2 yrs penalty
H
Bank offer
1.716%
$
%
85%
H
Bank offer
95% homebuyers approved successfully. Enjoy up to $6,000 cash rebate
More details
Plan features
  • As low as H+1.26%
  • Capped at P-2.75%
  • Mortgage-link account provided
  • Cash rebate up to 1.3%
  • 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
H
Bank offer
2.116%
$
%
40%
H
Bank offer
95% homebuyers approved successfully. Enjoy up to $6,000 cash rebate
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
6.75%
$
%
60%
P
Financial Co offer
95% homebuyers approved successfully. Enjoy up to $6,000 cash rebate
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
2.6%
$
%
40%
P
Bank offer
95% homebuyers approved successfully. Enjoy up to $6,000 cash rebate
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
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
95% homebuyers approved successfully. Enjoy up to $6,000 cash rebate
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5.25%,則實際按息為5.25%-3% = 2.25%。
  • 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+1.24%,而該月的HIBOR利率是2.4%,該月的實際按息為 2.4% + 1.24% = 3.64%。
  • 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為2%時,因為H+1.24%(=3.24%)比起P-3%(=2.25%)為高,所以該月的按揭利率依然是P-3%,即是2.25%。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。"

 

2019新居屋指南

新居屋何文田冠德苑、將軍澳雍明苑、葵涌尚文苑、長沙灣凱德苑、沙田旭禾苑及馬鞍山錦暉苑將於12月9日正式揀樓,為了讓大家更清楚揀樓流程及按揭申請辦法,大家可以透過以下連結瀏覽新居屋的最新實用資訊:

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