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Mortgage Calculator
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Property type
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
  • Bank of China (Hong Kong)
  • livi bank
  • Prime Credit
  • MOX
  • Standard Chartered Bank
  • United Asia Finance Limited
  • Zero Finance X Wallet
  • Grantit
  • EasyLend
  • WeLend
  • KONEW FINTECH CORPORATION LIMITED
  • Promise (Hong Kong) Co., Limited
  • National Resources Properties Mortgage Limited
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BOC Express Cash Instalment Loan Balance Transfer
  • Enjoy up to HK$600 Cash Rebate
%
Interest rate
Monthly flat rate:
$
Total repayment
$
Monthly repayment
$
每月最低還款額
$
每日利息
200
Max loan amount

    BOC Express Cash Instalment Loan Balance Transfer

    • Repayment period of up to 72 months
    • Reduce Interest Expense Up to 92%#
    • Loan amount up to HK$2,000,000 or 21 times of your monthly salary (whichever is lower)
    • Enjoy Extra Cash up to 12 times of the monthly salary 

    e-Channels^ Cash Rebate Offer
    From now until 30 June 2022, successful applicants fulfill the following criteria will be entitled up to HK$500 Cash Rebate.
    - Successfully submit the application and document via designated e-channels-
    - loan amount of HK$80,000 or above, with repaymenht tenor 24 months or above
    - completed drawdown on or before 29 July 2022

    Payroll Account Extra Reward:
    Eligible Customers fulfilled all designated Payroll Account Extra Reward requirements can enjoy extra cash rebate up to HK$100.
     

    ^E-Channels including BOCHK website, Internet Banking, Mobile Banking, “BOCHK” WeChat official account or “BOC CC” WeChat official account. 

    #The above example is for reference only. The actual savings in total interest expense may vary on a case-by-case basis.

    The APR of this promotion is from 4.93% - 31.41%.

    To borrow or not to borrow? Borrow only if you can repay.

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

    livi Flexi Loan
    • Enjoy APR as low as 1.08% and up to $2,500 cash rebate with mReferral invitation code#
    %
    Interest rate
    Monthly flat rate:
    $
    Total repayment
    $
    Monthly repayment
    $
    每月最低還款額
    $
    每日利息
    100
    Max loan amount

      Flexi Loan

      Click “Apply Now” to download the livi bank app and enter the invitation code【mref#2500】to apply for livi Flex Loan and drawdown successfully. You can enjoy up to $2,500 cash rebate during the period from now to 31 May 2022. New customers can enjoy HK$200 Account Opening Reward.

      Amount of Withdrawal (HK$)

      Offer

      HK$100,000 - HK$249,999

      HK$300

      HK$250,000 - HK$799,999

      HK$600

      HK$800,000 - HK$1,000,000

      HK$2,500

      Average Incentive

      HK$411

      As Low As APR

      1.08%#

       

      • Personalized interest rate, with APR as low as 1.08% (including HK$2,500 cash rebate)# and zero handling fee
      • Loan amounts from HK$10,000 up to HK$1,000,000
      • In-App application leveraging data-driven technology to offer approvals in as fast as 2 minutes^
      • Instant cash that goes straight into the liviSave account once approved
      • After repayment, customers can reborrow multiple loans within their approved loan limit, anytime, without the need to re-apply @
      • Fixed loan tenors between three and 60 months
      • Scheduled repayments in instalments to ensure the loan is well managed
      • Repayment schedules clearly presented in the livi App
      • If customers want to repay early, they can and won’t be charged with a fee

       

      Please remember - To borrow or not to borrow? Borrow only if you can repay!

      Notes:

      Terms and conditions apply.

      #APR of 1.39% is based on a HK$800,000 livi Flexi Loan with a 24-month repayment period. After deducting HK$2,500 cash rebate, the estimated daily interest is about HK$12.36 with as low as 1.08% APR

      ^The actual turnaround time may vary depending on the actual circumstances of individual applications.

      @Any repaid principal amount can only be made available for re-borrowing after the relevant first instalment loan have been repaid for at least three months or the loan has been early settled.

      *Customers may be asked to provide additional supporting documents for the loan application if needed. The actual time for loan approval and loan payout may vary depending on the information provided by the customer and are subject to the credit assessment result.

      BOC Express Cash Instalment Loan
      • Enjoy up to HK$2,200 Cash Rebate
      %
      Interest rate
      Monthly flat rate:
      $
      Total repayment
      $
      Monthly repayment
      $
      每月最低還款額
      $
      每日利息
      400
      Max loan amount

        BOC Express Cash Instalment Loan

        • APR as low as 1.68%*
        • Loan Amount Up to HK$4,000,000 or 18 times of monthly salary (whichever is lower)
        • Simple Document Apply easily
        • Repayment Period Up to 60 months

        E-Channels^ Cash Rebate Offer

        From now until 30 June 2022, successful applicants fulfill the following criteria will be entitled up to HK$2,000 Cash Rebate:

        • Successfully submit the application via designated e-channels
        • Loan amount of HK$80,000 or above, with repayment tenor 24 months or above
        • Completed drawdown on or before 29 July 2022

        Payroll Account Extra Reward: Eligible Customers fulfilled all designated Payroll Account Extra Reward requirements can enjoy extra reward up to HK$200.

        *The quoted interest rate is calculated based on a loan amount of HK$3,000,000 with repayment tenor of 12 months and monthly flat rate of 0.0754%. The annualised percentage rate is 1.68%, without handling fee.

        ^E-Channels including BOCHK website, Internet Banking, Mobile Banking, “BOCHK” WeChat official account or “BOC CC” WeChat official account.

        The APR of this promotion is from 1.68% - 30.90%. 

         

        To borrow or not to borrow? Borrow only if you can repay.

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

        PrimeCredit Fixed Instalment Loan
        %
        Interest rate
        Monthly flat rate:
        $
        Total repayment
        $
        Monthly repayment
        $
        每月最低還款額
        $
        每日利息
        60
        Max loan amount
        • Online instant approval and 24x7 loan disbursement
        • Up to HK$10,000 Cash Bonus will be rewarded upon successful application
        • [Instant approval and withdrawal] Online instant approval and 24x7 loan disbursement
        • [Urgency] No income proof is required for loan amount of HK$100,000 or less
        • [Unique 14-day Flexi Payment] Unique 14-day Flexi Payment without penalty or affecting your credit record
        • [No extra fee] No handling fee, no early settlement fee
        • [Special Offer] From 1 May to 30 June 2022 (both dates inclusive), up to HK$10,000 cash bonus will be rewarded upon successful application and drawdown
        • Only applicable to eligible customers. For more loan and offer details, please visit PrimeCredit's website
        • Warning: You have to repay your loans. Don't pay any intermediaries

        Enquiry and Complaint Hotline: 2111 2999

        Money Lender's Licence No.: 754/2021

        PrimeCredit Balance Transfer Loan
        %
        Interest rate
        Monthly flat rate:
        $
        Total repayment
        $
        Monthly repayment
        $
        每月最低還款額
        $
        每日利息
        60
        Max loan amount
        • Can save up to 98% interest, make monthly repayment 50% less
        • Up to HK$10,000 Cash Bonus will be rewarded upon successful application
        • [Professional analysis] PrimeCredit Balance Transfer Analyst provides professional analysis on your current card and loan indebtedness, and tailor-make the most interest saving and fastest repayment plan according to your needs
        • [Save!] Can save up to 98% interest, make monthly repayment 50% less and repayment period 25 years shorter
        • [No extra fee] No handling fee, no early settlement fee
        • Repayment terms up to 60 months
        • Online application with instant approval result
        • [Special Offer] From 1 May to 30 June 2022 (both dates inclusive), up to HK$10,000 cash bonus will be rewarded upon successful application and drawdown
        • For more loan and offer details, please visit PrimeCredit's website
        • Warning: You have to repay your loans. Don't pay any intermediaries

        Enquiry and Complaint Hotline: 2111 2999

        Money Lender's Licence No.: 754/2021

        PrimeCredit Property Owner's Personal Loan
        %
        Interest rate
        Monthly flat rate:
        $
        Total repayment
        $
        Monthly repayment
        $
        每月最低還款額
        $
        每日利息
        100
        Max loan amount
        • No mortgage, monthly flat rate as low as 0.1%
        • Up to HK$10,000 Cash Bonus will be rewarded upon successful application
        • [High Loan Amount] Property owner can enjoy higher loan amount than a personal loan, no matter for personal financial needs or to repay a large sum of credit card debts
        • [No extra fee] No handling fee, no early settlement fee
        • [No limitations on property types] No matter if your property is a private estate, apartment or public housing or if it is self-occupied or leased; as long as you are the owner of the property, you are eligible to apply
        • [Simplicity deed waiver] Property deeds are not required. The whole loan procedure from application, approval to disbursement is processed through branch
        • [Extra long repayment period] Repayment terms up to 84 months
        • [Low interest rates] Monthly flat rate as low as 0.1%, interest-saving
        • [Express approval] Cash can be disbursed as fast as within 1 hour from confirmation of loan
        • [Special Offer] From 1 May to 30 June 2022 (both dates inclusive), up to HK$10,000 cash bonus will be rewarded upon successful application and drawdown
        • For more loan and offer details, please visit PrimeCredit's website
        • Warning: You have to repay your loans. Don't pay any intermediaries

        Enquiry and Complaint Hotline: 2111 2999

        Money Lender's Licence No.: 754/2021

        Zero Finance
        • X Wallet eXpress Personal Loan
        %
        Interest rate
        Monthly flat rate:
        $
        Total repayment
        $
        Monthly repayment
        $
        每月最低還款額
        $
        每日利息
        10
        Max loan amount
        • X Wallet New Customers Enjoy First 14 Days Interest Rebate

        X Wallet New Customers Enjoy First 14 Days Interest Rebate

        Promo Code: MAY22
        Promotion Period: From 1 May 2022 to 30 June 2022


        Promotion Detail
        • New customer will receive First 14 Days Interest Rebate when he/she is successfully approved for the X Wallet Express Loan (X Wallet loan) and confirmed the loan contract for the first time. Within 40 days when the loan contract is confirmed, the account must remain in a normal and active state (overdue repayments, bad debts, etc. are all regarded as abnormal accounts) and cannot be settled to enjoy the offer.
        • To enjoy the offer, customers must enter the promo code during the loan application process.
        • The interest rebate amount for first 14 days will be calculated automatically by the system, the customer does not need to operate manually. The customer will be notified to get the reward within 40 days after the confirmation of the loan contract. The system will send a message to notify the customer that the rebate settlement has been completed. 
        • Customer can login X Wallet and click the withdraw button on the “Referral & Rewards” Page to receive the rewards. The transfer will take about two working days (public holidays or Saturdays and Sundays are not regarded as working days), and the interest rebate will be credited in cash to your designated Hong Kong bank account.

        Terms and Conditions 
        1. This promotion is only applicable to X Wallet new customers who have successfully approved the X Wallet loan for the first time during the promotion period and confirmed the loan contract, or customers who do not have a surviving loan account within 12 months from the date of confirming the loan contract.
        2. The time for submitting loan applications is subject to the computer records of Zero Finance Hong Kong Limited (the company). Overdue applications will not be accepted.
        3. Each customer can only enjoy this offer once during the promotion period.
        4. The promo code must be entered during the loan application process, and no subsequent supplements or changes will be accepted.
        5. The offer is not transferable, cancellable and returnable.
        6. The company reserves the right to verify the customer's identity. Customer will be disqualified from the offer without prior notice if the personal information provided is found to be unknown, unclear or missing and unable to contact the customer or verify the customer's identity.
        7. All the personal information collected will follow the personal data privacy policies of the company.
        8. The company will not accept any liability for any problems due to computer, network, telephone, and other technical issues which cause the customer to delay or miss for submitting an application. The customer cannot make any legal action or investigation to the company.
        9. The company reserves the right to amend the terms and conditions of this offer or stop this loan promotion program at any time without prior notice. Any matter or dispute regarding the offer or the terms and conditions, the company reserves the right of final decision.
        10. The company reserves the right to disqualify the eligibility of the customer and withdraw the rewards if the personal information provided is found to be fake or any actions breach of the terms and conditions.
        11. The offer cannot be used in conjunction with other discounts or promotion offers. Any matter or dispute regarding the offer or the terms and conditions, the company reserves the right of final decision.
        12. By participating in the offer, each customer agrees to be bounded by these terms and conditions. The company reserves the rights to disqualify the eligibility of customer, and withdraw the offer and to proceed legal action, if any breach of terms and conditions.
        13. If the customer closes, cancels or settle his/her X Wallet loan account before the reward is issued, all rewards will be cancelled immediately.

         

        Warning: You have to repay your loans. Don't pay any intermediaries

        EasyLend Personal Loan
        • Latest Offer
        %
        Interest rate
        Monthly flat rate:
        $
        Total repayment
        $
        Monthly repayment
        $
        每月最低還款額
        $
        每日利息
        50
        Max loan amount
        • No handling fee, obtain 100% loan amount
        • No charges for early settlement. Daily calculation of interest to save your interest.

        How long does it take for online application and approval?

        • One-minute online application 
        • Approval only takes 30 minutes, and the loan is having flexibility

        Is there any fee for application?

        • No handling fee, obtain 100% loan amount
        • EasyLend will not charge any fees

        How much can I borrow without income proof?

        • Can be applied by employed persons, self-employed persons, college students, and housewives.

        Will there be a penalty for early repayment? Any ways for repayment?

        • There are no charges for early settlement. Daily calculation of interest to save your interest.
        • Provide "bank auto transfer" repayment plan, which can easily repay on time and avoid paying extra handling fees

         

        • The above loan amount, interest rate and repayment information are for reference only. The maximum loan amount is subject to change according to the latest credit policy. The final decision is based on the customer's application information and personal credit history.
        • EasyLend Finance Company Limited reserves right of final decision on the approval of loans and any disputes.

         

        Warning: You have to repay your loans. Don't pay any intermediaries.

         

        Application and Complaint Hotline: 2520 2222

        EasyLend Finance Company Limited

        Money Lender's Licence Number : 0274/2022

         

        WeLend Card Debt Consolidation Loan
        • Up to $8,000 Cash Rebate
        %
        Interest rate
        Monthly flat rate:
        $
        Total repayment
        $
        Monthly repayment
        $
        每月最低還款額
        $
        每日利息
        80
        Max loan amount

          【WeLend Promotion】Up to $8,000 Cash Rebate:

          • The promotion is valid from May 7, 2022 to June 2, 2022, both dates inclusive.
          • Selected customers who have successfully applied for and drawn down on a Card Debt Consolidation loan or a Balance Transfer Loan through designated online channels and a minimum loan tenor of twenty-four instalments, shall be eligible to receive the following cash rebate amounts:

          Loan amount

          Minimal loan tenor

          Cash rebate

          HK$50,000 to $149,000

          twenty-four instalments

          HK$1,000

          HK$150,000 to $399,999

          HK$5,000

          HK$400,000 or above

          HK$8,000

          • Terms and Conditions apply. Please visit Welend.hk for more T&C.
          • Warning: You have to repay your loans. Don’t pay any intermediaries.

          Money Lender’s License: 0970/2021

          WeLend Property Owner Loan
          • Up to $8,000 Cash Rebate
          %
          Interest rate
          Monthly flat rate:
          $
          Total repayment
          $
          Monthly repayment
          $
          每月最低還款額
          $
          每日利息
          150
          Max loan amount

            【WeLend Promotion】Up to $8,000 Cash Rebate:

            • The promotion is valid from May 7, 2022 to June 2, 2022, both dates inclusive.
            • Selected customers who have successfully applied for and drawn down on a Property – owner Loan through designated online channels and a minimum loan tenor of twenty-four instalments, shall be eligible to receive the following cash rebate amounts:

            Loan amount

            Minimal loan tenor

            Cash rebate

            HK$50,000 to $149,000

            twenty-four instalments

            HK$1,000

            HK$150,000 to $399,999

            HK$5,000

            HK$400,000 or above

            HK$8,000

            • Terms and Conditions apply. Please visit Welend.hk for more T&C.
            • Warning: You have to repay your loans. Don’t pay any intermediaries.

            Money Lender’s License: 0970/2021

            WeLend Personal Loan
            • Up to $8,000 Cash Rebate
            %
            Interest rate
            Monthly flat rate:
            $
            Total repayment
            $
            Monthly repayment
            $
            每月最低還款額
            $
            每日利息
            80
            Max loan amount

              【WeLend Promotion】Up to $8,000 Cash Rebate:

              • The promotion is valid from May 7, 2022 to Jun 2, 2022, both dates inclusive.
              • Selected customers who have successfully applied for and drawn down on a Personal Loan through designated online channels and a minimum loan tenor of twenty-four instalments, shall be eligible to receive the following cash rebate amounts:

              Loan amount

              Minimal loan tenor

              Cash rebate

              HK$50,000 to $149,000

              twenty-four instalments

              HK$1,000

              HK$150,000 to $399,999

              HK$5,000

              HK$400,000 or above

              HK$8,000

               

              • Terms and Conditions apply. Please visit Welend.hk for more T&C.
              • Warning: You have to repay your loans. Don’t pay any intermediaries.

              Money Lender’s License: 0970/2021

              Standard Chartered Personal Instalment Loan
              • Up to HKD8,000 Cash Rebate
              %
              Interest rate
              Monthly flat rate:
              $
              Total repayment
              $
              Monthly repayment
              $
              每月最低還款額
              $
              每日利息
              200
              Max loan amount

                Standard Chartered Personal Instalment Loan

                • Promotion period: 3 May – 3 Jul 2022
                • Exclusive online offers – Up to HKD 7,000 Cash Rebate
                • and extra HKD 1,000 Cash Rebate for New Client* and loan tenor is 36 months or above
                Loan Amount (HKD)Basic Cash Rebate (HKD)

                Extra Cash Rebate (HKD)

                (only applicable for New Clients* and the loan tenor is 36 months or above)

                $50,000 - $199,999$500$1,000
                $200,000 - $799,999$2,000
                $800,000 - $1,499,999$3,000
                $1,500,000 or above$7,000

                 

                • Annualized Percentage Rate as low as 1.65%#
                • Handling Fee 0%
                • Loan amount up to 18X monthly salary or HKD 2,000,000 (whichever is lower)
                • Loan tenor up to 60months
                • 7-Day Cooling-off Period Early redemption fees and changes waiver
                • Online Service Pledge – Application submitted before noon will be followed up within the same business day

                #The Annualised Percentage Rate is 1.65% (for clients with loan amount of HKD$1,000,000 or above and tenor of 12 months). APRs are reference rates which include the basic interest rate and other applicable fees and charges of a product expressed as an annualised rate. This APR does not include cash rebate. The preferential interest rate is only applicable to clients who are not holding any Standard Chartered Credit Cards at the time of this application. The Bank reserves the right to determine the applicable interest rate and handling fee, and to approve a loan application, which is to be considered on a case-by-case basis in accordance with the client’s credit records and other relevant factors as the Bank may consider in its absolute discretion. All offers are subject to Terms and Conditions.

                *New Clients are applicants who are not holding any loans and/or credit cards issued by the Bank at the time of this application

                1. The Monthly Flat Rate shown above was for reference only.
                2. The above Annualised Percentage Rates (“APR”) are reference rates which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable). This APR does not include cash rebate.

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

                To borrow or not to borrow? Borrow only if you can repay.

                Standard Chartered Personal Instalment Loan Debt Consolidation Program
                • Up to HKD 8,000 cash rebate
                %
                Interest rate
                Monthly flat rate:
                $
                Total repayment
                $
                Monthly repayment
                $
                每月最低還款額
                $
                每日利息
                200
                Max loan amount

                  Standard Chartered Personal Instalment Loan Debt Consolidation Program

                  • Promotion period: 3 May - 3 Jul 2022
                  • Exclusive online offers- Up to HKD 7,000 cash rebate
                  • and extra HKD 1,000 Cash Rebate for New Client* and loan tenor is 36 months or above
                  Loan Amount (HKD)Basic Cash Rebate (HKD)

                  Extra Cash Rebate (HKD)

                  (only applicable for New Clients* and the loan tenor is 36 months or above)

                  $50,000 - $199,999$500$1,000
                  $200,000 - $499,999$2,000
                  $500,000 - $1,499,999$3,000
                  $1,500,000 or above$7,000

                   

                  • Monthly Flat Rate as low as 0.2%
                  • Saved Interest up to 95% , monthly repayment 12%
                  • 0% Handling fee
                  • Loan amount up to 18X salary or HKD 2,000,000 (whichever is lower)
                  • Loan tenor up to 84 months
                  • Extra stand-by cash of up to 14X salary
                  • Interest Saving-Pay off high-interest debts such as credit card outstanding to reduce your total interest expense
                  • Online Service Pledge-Application submitted before noon will be followed up within the same business day

                  *New Clients are applicants who are not holding any loans and/or credit cards issued by the Bank at the time of this application

                  1. The Monthly Flat Rate shown above was for reference only.
                  2. The above Annualised Percentage Rates (“APR”) are reference rates which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable). This APR does not include cash rebate.

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

                  To borrow or not to borrow? Borrow only if you can repay.

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