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Basic Mortgage
Mortgage Calculator
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Valuation
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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Mortgage options
  • Prime plan
  • Hibor plan
  • Mortgage link
  • Cash rebate
  • High LTV
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  • Interest rate
  • Monthly repayment
  • Cash rebate
  • Max. LTV ratio
Compare
p
Bank offer
    p
    3.375%
    Interest rate
    $
    Monthly repayment
    %
    Cash rebate
    $
    Rebate amount
    60%
    Max. LTV ratio
    • Property Location (First-hand Purchase): Shenzhen, Zhuhai and Zhongshan
    • Property Location (Existing Suite): Shenzhen, Zhuhai, Zhongshan and Shenzhen
    • Applicable to first-hand residential properties (off-the-plan and existing)
    • Borrow in HKD and repay in HKD
    • Loan Amount: Up to 60% of the purchase price or appraised value of the property (capped at HKD 15 million)
    • Bank charges: 0.5% of loan amount
    • Only applicable to Hong Kong residents holding a Hong Kong identity card
    • Maximum term: 30 years
    • Cash out by own property
    • P=5.25%
    • All terms and conditions are subject to the final approval of the bank
    p
    Bank offer
    • Limited time offer
    • Apply quickly
    p
    2.500%
    Interest rate
    $
    Monthly repayment
    %
    Cash rebate
    $
    Rebate amount
    50%
    Max. LTV ratio
    • Property Location: Guangzhou, Shenzhen, Zhongshan, Dongguan, Zhuhai and Foshan
    • Suitable for residences, apartments, office buildings, shops
    • Borrow in HKD and repay in HKD
    • Loan Amount: Up to 50% of the purchase price or appraised value of the property (capped at HKD 50 million)
    • Loan amount of HKD 2 million or above
    • Bank charges: 0.5% of loan amount
    • Only applicable to Hong Kong residents holding a Hong Kong identity card
    • Maximum term: 20 years
    • Cash out by own property
    • P=5%
    • All terms and conditions are subject to the final approval of the bank
    p
    Bank offer
    • Large loan size P-plan
    p
    3.375%
    Interest rate
    $
    Monthly repayment
    %
    Cash rebate
    $
    Rebate amount
    70%
    Max. LTV ratio
    • Property Location: Shenzhen, Guangzhou, Zhongshan and Zhuhai
    • Applicable to first-hand properties and residential commercial housing
    • Borrow in HKD and repay in HKD
    • Loan Amount: Up to HKD 30 million
    • Mortgage ratio: up to 70% for first hand and up to 60% for second hand property (calculated based on real estate transaction price or appraised price, whichever is lower)
    • Bank charges: 0.5% of loan amount
    • Only applicable to Hong Kong residents holding a Hong Kong identity card
    • Maximum term: 25 years
    • Cash out by own property
    • P=5.25%
    • All terms and conditions are subject to the final approval of the bank
    p
    Bank offer
    • Greater Bay Area
    • Free first year fire insurance
    p
    3.125%
    Interest rate
    $
    Monthly repayment
    %
    Cash rebate
    $
    Rebate amount
    50%
    Max. LTV ratio
    • Property Location: Guangzhou, Shenzhen, Zhuhai and Foshan
    • Applicable to Private Residential Properties (First-hand: Applicable to designated properties; Second-hand: Applicable to further charge of mortgage)
    • Borrow in HKD and repay in HKD
    • Loan Amount: Up to 50% of the purchase price or appraised value of the property (capped at HKD 10 million)
    • Bank charges: 0.5% of loan amount
    • Only applicable to Hong Kong residents holding a Hong Kong identity card
    • Cash out by own property
    • Maximum term: 20 years
    • Free first year fire insurance
    • P=5.25%
    • All terms and conditions are subject to the final approval of the bank
    p
    Bank offer
    • Long tenor
    • Covers the most cities in the Greater Bay Area
    p
    3.375%
    Interest rate
    $
    Monthly repayment
    %
    Cash rebate
    $
    Rebate amount
    60%
    Max. LTV ratio
    • Property Location: Shenzhen, Zhongshan, Zhuhai, Guangzhou, Foshan, Dongguan, Huizhou, Zhaoqing and Jiangmen
    • Applicable to first-hand and second-hand private residential properties
    • Borrow in HKD and repay in HKD
    • Loan Amount: Property price below HKD10 million, up to 60% (up to HKD 5 million); HKD10 million or above, up to 50%
    • Only applicable to Hong Kong residents holding a Hong Kong identity card
    • Maximum term: 30 years
    • Cash out by own property
    • No bank charges
    • P=5.25%
    • All terms and conditions are subject to the final approval of the bank
    p
    Bank offer
    • Covers the most cities in the Greater Bay Area
    • Covering more cities outside the Greater Bay Area
    p
    3.625%
    Interest rate
    $
    Monthly repayment
    %
    Cash rebate
    $
    Rebate amount
    50%
    Max. LTV ratio
    • Property Location: Beijing, Shanghai, Guangzhou, Shenzhen, Zhongshan, Shunde, Shantou, Fuzhou, Quanzhou, Tianjin, Dongguan and Zhuhai
    • Suitable for residences, apartments, office buildings, shops
    • Borrow in HKD and repay in HKD
    • Loan Amount: Up to 50% of the purchase price or appraised value of the property (capped at HKD 50 million)
    • Bank charges: 0.5% of loan amount
    • Only applicable to Hong Kong residents holding a Hong Kong identity card
    • Maximum term: 20 years
    • Cash out by own property
    • P=5%
    • All terms and conditions are subject to the final approval of the bank
    p
    Bank offer
    • Easy approval
    • Low 1st installment
    • High LTV Plan
    • 2 years penalty period
    p
    5.625%
    Interest rate
    $
    Monthly repayment
    %
    Cash rebate
    $
    Rebate amount
    70%
    Max. LTV ratio
    • Low down payment
    • 2 years penalty period
    • Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
    h
    Bank offer
    • Low interest H-Plan
    • High mortgage-link interest
    • 2 years penalty period
    h
    2.750%
    Interest rate
    $
    Monthly repayment
    %
    Cash rebate
    $
    Rebate amount
    60%
    Max. LTV ratio
    • As low as H+1.35%
    • High mortgage-linked interest
    • Up to 1.2% cash rebate
    • 2 years penalty period
    • Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
    p
    Financial company offer
    • Stress Test Exemption
    • Speedy Approval
    p
    7.125%
    Interest rate
    $
    Monthly repayment
    %
    Cash rebate
    $
    Rebate amount
    80%
    Max. LTV ratio
    • Listed company member
    • Only interest payment is required during the period, no principal payment is required
    • No hidden fees for early repayment or renewal
    • No stress test
    • Undertake various types of property mortgages (including residential, industrial and commercial shops, parking spaces, etc.)
    • No restriction on loan amount
    • All terms and conditions are subject to the final approval of Legend Credit Limited
    • To borrow or not to borrow? Borrow only if you can repay !
    p
    Bank offer
    • Low interest P-plan
    • High cash rebate
    • 2 years penalty period
    p
    2.875%
    Interest rate
    $
    Monthly repayment
    %
    Cash rebate
    $
    Rebate amount
    90%
    Max. LTV ratio
    • As low as P-2.5%
    • High mortgage-linked interest
    • Up to 1% cash rebate
    • 2 years penalty period
    • Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
    p
    Bank offer
    • Low interest P-plan
    • High cash rebate
    • 2 years penalty period
    p
    2.625%
    Interest rate
    $
    Monthly repayment
    %
    Cash rebate
    $
    Rebate amount
    85%
    Max. LTV ratio
    • As low as P-2.5%
    • High mortgage-linked interest
    • Up to 1% cash rebate
    • 2 years penalty period
    • Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
    p
    Bank offer
    • Easy approval
    • Low 1st installment
    • High LTV Plan
    p
    6.625%
    Interest rate
    $
    Monthly repayment
    %
    Cash rebate
    $
    Rebate amount
    60%
    Max. LTV ratio
    • As low as P+1%
    • 2 years penalty period
    • Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank. For details, please call mReferral hotline 319-66666.
    p
    Bank offer
    • Low interest P-plan
    • High cash rebate
    • 2 years penalty period
    p
    2.725%
    Interest rate
    $
    Monthly repayment
    %
    Cash rebate
    $
    Rebate amount
    50%
    Max. LTV ratio
    • As low as P-2.4%
    • 2 years penalty period
    • Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank. For details, please call mReferral hotline 319-66666.
    p
    Bank offer
    • Easy approval
    • Low 1st installment
    • High LTV Plan
    p
    6.875%
    Interest rate
    $
    Monthly repayment
    %
    Cash rebate
    $
    Rebate amount
    60%
    Max. LTV ratio
    • P+1.5% for the whole period
    • LTV up to 60%
    • 2 years penalty period
    • Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank. For details, please call mReferral hotline 319-66666.
    h
    Bank offer
      h
      2.600%
      Interest rate
      $
      Monthly repayment
      %
      Cash rebate
      $
      Rebate amount
      50%
      Max. LTV ratio
      • As low as H+1.7%
      • 2 years penalty period
      • Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
      h
      Bank offer
      • Low interest H-Plan
      • 2 years penalty period
      h
      2.750%
      Interest rate
      $
      Monthly repayment
      %
      Cash rebate
      $
      Rebate amount
      85%
      Max. LTV ratio
      • As low as H+1.3% (Applicable to loan amount of $6 million or above)
      • High mortgage-linked interest
      • Up to 1.2% cash rebate
      • 2 years penalty period
      • Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
      h
      Bank offer
      • Low interest H-Plan
      • High cash rebate
      • 2 years penalty period
      h
      2.500%
      Interest rate
      $
      Monthly repayment
      %
      Cash rebate
      $
      Rebate amount
      85%
      Max. LTV ratio
      • As low as H+1.3% (Applicable to loan amount of $4 million or above)
      • Up to 1.4% cash rebate
      • 2 years penalty period
      • Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
      p
      Financial company offer
      • Easy approval
      • Low 1st installment
      • High LTV Plan
      p
      6.875%
      Interest rate
      $
      Monthly repayment
      %
      Cash rebate
      $
      Rebate amount
      80%
      Max. LTV ratio
      • As low as P+1.5%
      • LTV up to 80%
      • 2 years penalty period
      • Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
      p
      Bank offer
      • Easy approval
      • Low 1st installment
      • High LTV Plan
      • 2 years penalty period
      p
      5.625%
      Interest rate
      $
      Monthly repayment
      %
      Cash rebate
      $
      Rebate amount
      70%
      Max. LTV ratio
      • Low down payment
      • 2 years penalty period
      • Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
      h
      Bank offer
      • Low interest H-Plan
      • High cash rebate
      • 2 years penalty period
      h
      2.500%
      Interest rate
      $
      Monthly repayment
      %
      Cash rebate
      $
      Rebate amount
      60%
      Max. LTV ratio
      • As low as H+1.3% (Applicable to loan amount of $4 million or above)
      • Up to 1.4% cash rebate
      • 2 years penalty period
      • Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
      p
      Financial company offer
      • Easy approval
      • Low 1st installment
      • High LTV Plan
      • 2 years penalty period
      p
      5.625%
      Interest rate
      $
      Monthly repayment
      %
      Cash rebate
      $
      Rebate amount
      70%
      Max. LTV ratio
      • LTV up to 70% or amount up to $35 million (whichever is lower)
      • 2 years penalty period
      • No cash rebate
      • Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
      p
      Financial company offer
      • Easy approval
      • Low interest rate
      • High LTV Plan
      • 2 years penalty period
      p
      2.875%
      Interest rate
      $
      Monthly repayment
      %
      Cash rebate
      $
      Rebate amount
      80%
      Max. LTV ratio
      h
      Bank offer
      • Low interest H-Plan
      • 2 years penalty period
      • Cash Rebate Up to 1.62%
      h
      2.875%
      Interest rate
      $
      Monthly repayment
      %
      Cash rebate
      $
      Rebate amount
      90%
      Max. LTV ratio
      h
      Bank offer
      • Low interest H-Plan
      • Mortgage-link account provided
      • 2 years penalty period
      • Up to $22,000 Cash Rebate
      h
      2.875%
      Interest rate
      $
      Monthly repayment
      %
      Cash rebate
      $
      Rebate amount
      90%
      Max. LTV ratio
      • As low as H+1.3% (Applicable to loan amount of $4 million or above)
      • Cap P-2.5
      • High mortgage-linked interest
      • Up to 1.4% cash rebate + up to $22,000
      • 2 years penalty period
      • Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
      h
      Bank offer
      • Low interest H-Plan
      • 2 years penalty period
      • Green Mortgage
      • Up to $8,888 Cash Rebate with Green Mortgage
      h
      2.875%
      Interest rate
      $
      Monthly repayment
      %
      Cash rebate
      $
      Rebate amount
      90%
      Max. LTV ratio
      • As low as H+1.3% (Applicable to loan amount of $3 million or above)
      • Cap P-2.5
      • Up to 1.9% cash rebate(Includes additional 0.3% rebate on Green Mortgage)+Green mortgage rebate up to $8,888; No high mortgage-linked interest
      • 2 years penalty period
      • This mortgage plan is applicable to first-hand, second-hand and government subsidised flats of residential property with a valid Gold or Platinum rating which recognised and certified by the Hong Kong Green Building Council (HKGBC).
      • For Green Mortgage related eligible project details, please contact mReferral Customer Services Manager
      • Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
      p
      Bank offer
      • Low interest P-plan
      • 2 years penalty period
      • Up to $15,888 Cash Rebate
      p
      2.875%
      Interest rate
      $
      Monthly repayment
      %
      Cash rebate
      $
      Rebate amount
      90%
      Max. LTV ratio
      p
      Bank offer
      • Low interest P-plan
      • 2 years penalty period
      • Up to $15,888 Cash Rebate
      p
      2.875%
      Interest rate
      $
      Monthly repayment
      %
      Cash rebate
      $
      Rebate amount
      90%
      Max. LTV ratio
      • As low as P-2.25% (Applicable to loan amount of $4 million or above)
      • Up to 1.6% cash rebate $15,888
      • 2 years penalty period
      • Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
      p
      Bank offer
      • Low interest rate
      • High cash rebate
      p
      2.875%
      Interest rate
      $
      Monthly repayment
      %
      Cash rebate
      $
      Rebate amount
      95%
      Max. LTV ratio
      • As low as P-2.75% for unpaid land premium HOS flats
      • Up to 1% cash rebate
      • Mortgage period up to 25 years
      • 2 years penalty period
      • The loan amount must be 4 million or more.
      • mReferral reserves the right of final decision on this event.
      • Customers can enjoy the above mortgage offers, subject to the eligibility and terms determined by the Bank. All terms and conditions are subject to the final approval of the bank.
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