Comparsion
- Property type -
- Features -
All/Clear
- 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
Carpark P Plan + High cash rebate + 2 yrs penalty
P
Bank offer
2.5%
$
%
85%
P
Bank offer
Village house-
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
Chinese tenement-
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
New property-
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
Mortgage-link account provided, penalty period for 2 years
P
Bank offer
2.5%
$
%
90%
P
Bank offer
Private estate-
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
Low interest rate H Plan + High cash rebate + penalty period for 2 years
H
Bank offer
1.676%
$
%
90%
H
Bank offer
Chinese tenement-
More details
Plan features
  • As low as H+1.45%
  • 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
1.676%
$
%
60%
H
Bank offer
Village house-
More details
Plan features
  • As low as H+1.45%
  • 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
1.676%
$
%
90%
H
Bank offer
New property-
More details
Plan features
  • As low as H+1.45%
  • 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
1.676%
$
%
90%
H
Bank offer
Private estate-
More details
Plan features
  • As low as H+1.45%
  • 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
Chinese tenement-
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
Chinese tenement-
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
1.676%
$
%
90%
H
Bank offer
Chinese tenement-
More details
Plan features
  • As low as H+1.45%
  • Capped at P-2.75%
  • Mortgage-link account provided
  • Cash rebate up to 0.8%
  • 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 + 2 yrs penalty
Easy approval + P Plan with Low 1st installment + Large loan size + High LTV Plan
H
Bank offer
1.726%
$
%
60%
H
Bank offer
Chinese tenement-
More details
Plan features
  • H+1.5%
  • Mortgage-link account provided
  • Cash rebate up to 0.5%
  • Penalty period for 3 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
Easy approval + P Plan with Low 1st installment + Large loan size + High LTV Plan
H
Bank offer
1.726%
$
%
60%
H
Bank offer
Private estate-
More details
Plan features
  • H+1.5%
  • Mortgage-link account provided
  • Cash rebate up to 0.5%
  • Penalty period for3 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
Mortgage-link account provided, penalty period for 2 years
H
Bank offer
1.676%
$
%
90%
H
Bank offer
Private estate-
More details
Plan features
  • As low as H+1.45%
  • Capped at P-2.75%
  • Mortgage-link account provided
  • Cash rebate up to 0.8%
  • 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
Private estate-
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
Private estate-
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 + P Plan with Low 1st installment + Large loan size + High LTV Plan
H
Bank offer
1.726%
$
%
60%
H
Bank offer
New property-
More details
Plan features
  • As low as H+1.5% for the whole tenor
  • Mortgage-link account provided
  • Cash rebate up to 0.5%
  • Penalty period for 3 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
H Plan + High mortgage-link interest + 2 yrs penalty
H
Bank offer
1.676%
$
%
90%
H
Bank offer
New property-
More details
Plan features
  • As low as H+1.45%
  • Capped at P-2.75%
  • Mortgage-link account provided
  • Cash rebate up to 0.8%
  • 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 + 2 yrs penalty
Easy approval P Plan + Low interest rate + High LTV Plan
P
Financial Co offer
2.65%
$
%
80%
P
Financial Co offer
New property-
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
New property-
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
HOS-
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.
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
HOS-
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
H
Bank offer
1.726%
$
%
60%
H
Bank offer
Village house-
More details
Plan features
  • As low as H+1.5% for the whole tenor
  • Mortgage-link account provided
  • Cash rebate up to 0.5%
  • 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 2 years
H Plan + High mortgage-link interest + 2 yrs penalty
H
Bank offer
1.676%
$
%
85%
H
Bank offer
Village house-
More details
Plan features
  • As low as H+1.45%
  • Capped at P-2.75%
  • Mortgage-link account provided
  • Cash rebate up to 0.8%
  • 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 + 2 yrs penalty
H
Bank offer
1.926%
$
%
40%
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
6.75%
$
%
60%
P
Financial Co offer
Industrial & commerce-
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
Carpark-
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
Carpark-
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
Exemption on Income Stress Test, Speedy Approval
P
Financial Co offer
7%
$
%
80%
P
All Property type
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!
Apply now
  1. Exemption on Income Stress Test, Speedy Approval

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。"

 

Calculator
More
Property price
HK$
Loan-to-value ratio (LTV)
%
Mortgage period
Yrs
Interest rate
%
Results
Loan size
HK$
0
Mortgage period
mth
0
Down payment
HK$
0
Monthly repayment
HK$
0