Real time bank API
Get the real-time API info from all banks in Hong Kong. Fast & convenience!
Application programming interface (API) is a computer programming approach for facilitating exchange of information and executing instructions between different computer systems. Effective implementation of Open API will enable, for example, information of different banks’ products and services to be aggregated under the same website/app for comparison and financial planning by users with ease. New service providers may also make use of the open information to offer unique products and new customer experience. (Source: Hong Kong Monetary Authority)

If you wish to apply the following mortgage plan, you may click “Enquiry to mReferral” to enter mReferral’s mortgage referral services application form. This application is made to mReferral ONLY. If you wish to apply mortgage service offered by a particular bank through mReferral, you can choose the corresponding option after you have made your application to mReferral’s mortgage referral service.

Please note that, in collaboration with banks, mReferral offer mortgage referral service ONLY. Other mortgage-related services offered by mReferral are not in collaboration with banks. Mortgage offered by banks are not offered in collaboration with mReferral.

The following real time information is provided by banks and is for reference only. If there are any questions, please feel free to contact us at 319-66688.

BankPlanOfferCash rebate
Up to 90% LTV Mortgage Insurance ProgrammeAs low as HIBOR+1.45%, cap P-2.75% or Prime-2.75%; choice of HIBOR or Prime Deposit Linked MortgageUp to 0.5% Cash Rebate or combo of Asia Miles
Prime based Mortgage PlanAs low as Prime -2.75%, choice of Deposit Linked MortgageUp to 0.5% Cash Rebate or combo of Asia Miles
HIBOR Mortgage PlanAs low as HIBOR+1.45%, cap P-2.75%, whichever is lower choice of Deposit Linked MortgageUp to 0.5% Cash Rebate or combo of Asia Miles
Government Housing Scheme Mortgage LoansP Plan as low as P-2.75%0.5%
Residential Mortgage LoansH Plan as low as H+1.4% (Cap up to P-2.75%)0.5%
Non-Residential Mortgage LoansH Plan H+1.7% (Cap at P-2.75%)-
HIBOR mortgageHIBOR+1.5% (Cap at P-2.75%)-
90% mortgageHIBOR+1.5% (Cap at P-2.75%)/ Prime-2.75%-
Advance on mortgage / Property Refinancing serviceHIBOR+1.5% (Cap at P-2.75%)/ Prime-2.75%-
Prime deposit-linked mortgagePrime - 2.75%-
HIBOR deposit-linked MortgageHIBOR+1.5% (Cap at P-2.75%)-
Home smart mortgagePrime - 2.75%-
Prime-based mortgagePrime - 2.75%-
HighAdvance MortgageFor HIBOR Plan: as low as H+1.8%, cap at P-2.5%. For Best Lending Rate Plan: as low as P-2.5%. (H and P refer to HIBOR and Best Lending Rate quoted by HSBC respectively.)Up to 0.2%
Government Housing SchemesFor Best Lending Rate Plan: as low as P-2.5%. (P refers to Best Lending Rate quoted by HSBC.)Up to 0.2%
Home Mortgage LoanFor HIBOR Plan: as low as H+1.8%, cap at P-2.5%. For Best Lending Rate Plan: as low as P-2.5%. (H and P refer to HIBOR and Best Lending Rate quoted by HSBC respectively.)Up to 0.2%
Prime-based Mortgage PlanResidential Properties as low as P-2.5% (P is the Bank's HKD Best Lending Rate, which is 5%p.a. currently)Up to 0.5% cash reward for residential properties
HIBOR Mortgage PlanResidential Properties as low as HIBOR+1.45%, cap at P-2.5% (P is the Bank's HKD Best Lending Rate, which is 5%p.a. currently)Up to 0.5% cash reward for residential properties
Mortgage Insurance ProgrammeResidential Properties HIBOR Mortgage Plan: as low as HIBOR+1.45%, cap at P-2.5%Prime-based Mortgage Plan: as low as P-2.5%(P is the Bank's HKD Best Lending Rate, which is 5%p.a. currently)Up to 0.5% cash reward for residential properties
Government Housing Scheme Mortgage Planas low as P-2.5% (P is the Bank's HKD Best Lending Rate, which is 5%p.a. currently)Up to 0.5% cash reward for residential properties
'Smart' Mortgage SchemeResidential Properties HIBOR Mortgage Plan: as low as HIBOR+1.45%, cap at P-2.5%Prime-based Mortgage Plan: as low as P-2.5%(P is the Bank's HKD Best Lending Rate, which is 5%p.a. currently)Up to 0.5% cash reward for residential properties
Conventional Mortgage PlanIn general, HIBOR Mortgage: H+1.5% (Cap at P-2.5%)Case by case
Mortgage-Link Loan SchemeIn general, Prime-based mortgage: P-2.5% / HIBOR Mortgage: H+1.5% (Cap at P-2.5%)Case by case
Property RefinancingIn general, Prime-based mortgage: P-2.5% / HIBOR Mortgage: H+1.5% (Cap at P-2.5%)Case by case
Property Secured Overdraft FacilityFirst 6 months: P-1%, Starting from 7th month: P+1%-
Mortgage Loans for Government Housing SchemeIn general, Prime-based mortgage: P-2.5%Case by case
Hang Seng Mortgage Insurance ProgrammeIn general, Prime-based mortgage: P-2.5% / HIBOR Mortgage: H+1.5% (Cap at P-2.5%)Case by case
Residential Prime Rate Mortgage Plan with 'Mortgage Income Account'As low as P-2.75% (P is the Bank's Prime Rate, which is currently 5.25% p.a.). Minimum loan amount HKD2,000,000.Up to 0.8%
Residential Hibor Mortgage Plan with 'Mortgage Income Account'H+1.4%, Capped at P-2.75% (H is the 1-month HIBOR; P is the Bank's Prime Rate, which is currently 5.25% p.a.). Minimum loan amount HKD2,000,000.Up to 0.8%
Residential Prime Rate Mortgage PlanAs low as P-2.75% (P is the Bank's Prime Rate, which is currently 5.25% p.a.). Minimum loan amount HKD1,000,000.Up to 0.8%
Mortgage PlusBase on Prime/Hibor rate-
90% Mortgage PlanBase on Prime/Hibor rate-
Prime Rate-Based Mortgage PlanBase on Prime rate-
Hibor Rate-Based Mortgage PlanBase on Hibor rate-
Home Ownership Scheme Mortgage PlanBase on Prime rate-
Value-Added Mortgage PlanBased on the CCBA 1-month HIBOR, as low as HIBOR + 1.4% (cap. at P-2.75%). Based on Prime-based plan, as low as P-2.75% (P is the CCBA Best Lending Rate, which is 5.25% p.a. currently)-
Car Park LoanBased on Prime-based plan, as low as P-2.75% (P is the CCBA Best Lending Rate, which is 5.25% p.a. currently). Minimum loan amount HK$500,000-
Residential Mortgage PlanBased on the CCBA 1-month HIBOR, as low as HIBOR + 1.4% (cap. at P-2.75%). Based on Prime-based plan, as low as P-2.75% (P is the CCBA Best Lending Rate, which is 5.25% p.a. currently)-
Prime-based Mortgage Plan• Mortgage interest rate based on the HKD Prime Rate
• Monthly repayment will be comparatively stable
-
HIBOR-based Mortgage Plan• Mortgage interest rate is based on the Hong Kong Interbank Offered Rate (“HIBOR”)
• Interest Rate Tracker Function – For your better financial planning
• Lock up the interest rate risk by a Prime-based interest rate cap, the mortgage interest rate will be determined based on the cap rate or the applicable HIBOR-based interest rate, whichever is lower.
• Mortgage Interest Rate will be re-fixed at the expiry of each interest period
-
Smart' Mortgage SchemeHIBOR Mortgage Plan: HIBOR+1.5% to HIBOR+ 1.6%, cap at P-2.5%Prime-based Mortgage Plan: P-2.5%(P is the Bank's HKD Best Lending Rate, which is 5%p.a. currently)Residential properties: 1、For loan amount HK$6,000,000 or above:Up to 0.8% cash reward for Selective customer (including:Legal professional、Accounting and financial personnel、Actuarie、Medical staff、Civil servant、Surveyor、Architect);Up to 0.4% cash reward for General customer2、For loan amount below HK$6,000,000:Up to 0.2% cash reward for General customer
All-You-Want' Mortgage SchemeHIBOR Mortgage Plan: HIBOR+1.5% to HIBOR+ 1.6%, cap at P-2.5% Prime-based Mortgage Plan: P-2.5%(P is the Bank's HKD Best Lending Rate, which is 5%p.a. currently)Residential properties: 1、For loan amount HK$6,000,000 or above:Up to 0.8% cash reward for Selective customer (including:Legal professional、Accounting and financial personnel、Actuarie、Medical staff、Civil servant、Surveyor、Architect);Up to 0.4% cash reward for General customer2、For loan amount below HK$6,000,000:Up to 0.2% cash reward for General customer
Residential Home Mortgage Loan PlanPrime - 3%
HIBOR + 1.3% Cap Prime - 2.9%
-
Mortgage Insurance Programme Loan PlanPrime - 3%
HIBOR + 1.3% Cap Prime - 2.9%
-
Government Housing Subsidized Scheme Mortgage PlanPrime - 3%-
Property Mortgage ServiceHibor Rate
(H + 1.24% to H + 2.5%)
-
Mortgage Insurance ProgrammePrime Rate
(P + 0.5% to P - 3.1%)
-
Reverse MortgageHKMC Prime Rate - 2.5%-
Non-Residential Mortgage PlanPrime - 2.0%-
Residential Mortgage PlanHIBOR +1.8%-
GHOSPrime - 2.5%-
90% Mortgage PlanHIBOR +1.8%20%
Fubon Easy Life Mortgage Wealth Management Plan for homeowners aged 55 or above to use his/her/their residential property (or more than one property) in Hong Kong as security for taking out a mortgage loan. You will remain as the owner of your property and can continue to stay at your property for the rest of your life; Prime - 2.5%-
Fubon HIBOR Mortgage Plan _IndividualIt is only applicable to loan amount which is HK$1,000,000 or above; mortgage loan amount equal or below 60% of the purchase price or the appraised value of the property (whichever is lower); Bank 1, 3 or 6 month HIBOR interest rate +1.5% or Prime rate - 2.7%; whichever is lower (for Residential Property)0.8%
Fubon HIBOR Mortgage Plan_CorporateIt is only applicable to loan amount which is HK$1,000,000 or above; mortgage loan amount equal or below 60% of the purchase price or the appraised value of the property (whichever is lower); Bank 1, 3 or 6 month HIBOR interest rate +1.5% or Prime rate - 2.7%; whichever is lower (for Residential Property)0.8%
Fubon 90% Mortgage PlanIt is only applicable to loan amount which is HK$500,000 or above; mortgage loan amount above 60% of the purchase price or the appraised value of the property (whichever is lower); Plan 1: Prime - 2.75%; Plan 2 : Bank 1, 3 or 6 month HIBOR interest rate +1.5% or Prime rate - 2.7%; whichever is lower0.5%
Residential Mortgage Plan _CorporateIt is only applicable to loan amount which is HK$500,000 or above; mortgage loan amount equal to or below 60% of the purchase price or the appraised value of the property (whichever is lower); Prime - 2.75%0.8%
Residential Mortgage Plan _IndividualIt is only applicable to loan amount which is HK$500,000 or above; mortgage loan amount equal to or below 60% of the purchase price or the appraised value of the property (whichever is lower); Prime - 2.75%0.8%
Fubon Mortgage Plan for Government Home Ownership SchemeFubon Mortgage Plan for Government Home Ownership Scheme (the “Plan”) is only applicable to loan amount which is HK$500,000 or above (For loan amount below HK$500,000, Fubon Bank (the “Bank”) will consider the application on a case-by-case basis); Prime - 2.75%0.5%
Residential Mortgage PlanPrime - 3.1%-
“Easy Home”Mortgage PlanPreferential interest rate is subject to approval-
Prime-linked Mortgage Loan-1-
HIBOR-linked Mortgage Loan-1-
Overseas Residential Property Mortgage (Australia / United Kingdom)1.6% + 1-month Cost of Funds-
Home Ownership Scheme (HOS) Mortgage PlanPrime - 2.9%-
Commercial and Industrial MortgagePrime - 2.75%-
Tenant Purchase Scheme (TPS) MortgagePrime - 2.9%-
HIBOR-linked Mortgage PlanH+1.4% or P-2.9%, whichever is lower-
Home Sweet Home Mortgage PlanPrime - 3%-
Government Housing Scheme Mortgage LoanAs low as HKD Prime Rate - 2.75%p.a.-
Residential Property Mortgage PlanAs low as HKD Prime Rate - 2.75%p.a.-
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