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.
| Bank | Plan | Offer | Cash rebate |
|---|
 Enquiry to mReferral | HighAdvance Mortgage | For HIBOR Plan: as low as H+1.45%, 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.) | - |
| Government Housing Schemes | For Best Lending Rate Plan: as low as P-2.5%. (P refers to Best Lending Rate quoted by HSBC.) | - | |
| Home Mortgage Loan | For HIBOR Plan: as low as H+1.45%, 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.) | - |
 Please note that you are now entering the mortgage referral service application page of mReferral Mortgage (“mReferral”). If you intend to apply for mReferral’s mortgage referral services, you have to provide the required information and agree to the content of the relevant declaration on the application page. Please read carefully mReferral’s Personal Information Collection Statement, and terms and conditions on the use of your personal information. In addition, the collection of personal data on mReferral’s mortgage referral service application form is neither carried out by BOCHK nor directly related to BOCHK’s business. | Prime-based Mortgage Plan | Residential 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 Plan | Residential 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 Programme | Residential 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 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 | |
| 'Smart' Mortgage Scheme | Residential 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 |
 Please note that you are now entering our, mReferral Corporation (HK) Limited (mReferral Mortgage Brokerage Services) (Hereafter called “mReferral”), mortgage referral service application page. This application was made to mReferral ONLY, please read carefully mReferral PICS, terms and conditions for mReferral use of your personal information in providing you mortgage referral service. </br> If you wish to apply for mortgage service offered by a particular bank through mReferral, you can choose the corresponding option after you had made your application to mReferral mortgage referral service. </br> Please note that, in collaboration with banks, mReferral offer mortgage referral service ONLY. Other services offered by mReferral are not in collaboration with banks. Mortgage offered by banks are not offered in collaboration with mReferral. | Conventional Mortgage Plan | In general, HIBOR Mortgage: H+1.4% (Cap at P-2.5%) | Case by case |
| Mortgage-Link Loan Scheme | In general, Prime-based mortgage: P-2.5% / HIBOR Mortgage: H+1.4% (Cap at P-2.5%) | Case by case | |
| Property Refinancing | In general, Prime-based mortgage: P-2.5% / HIBOR Mortgage: H+1.4% (Cap at P-2.5%) | Case by case | |
| Property Secured Overdraft Facility | First 6 months: P-1%, Starting from 7th month: P+1% | - | |
| Mortgage Loans for Government Housing Scheme | In general, Prime-based mortgage: P-2.5% | Case by case | |
| Hang Seng Mortgage Insurance Programme | In general, Prime-based mortgage: P-2.5% / HIBOR Mortgage: H+1.4% (Cap at P-2.5%) | Case by case |
 Enquiry to mReferral | Up to 90% LTV Mortgage Insurance Programme | As low as HIBOR+1.45%, cap P-2.75% or Prime-2.75%; choice of HIBOR or Prime Deposit Linked Mortgage | Up to 0.5% Cash Rebate or combo of Asia Miles |
| Prime based Mortgage Plan | As low as Prime -2.75%, choice of Deposit Linked Mortgage | Up to 0.5% Cash Rebate or combo of Asia Miles | |
| HIBOR Mortgage Plan | As low as HIBOR+1.45%, cap P-2.75%, whichever is lower choice of Deposit Linked Mortgage | Up to 0.5% Cash Rebate or combo of Asia Miles |
 Enquiry to mReferral | Residential Mortgage Loans | H Plan as low as H+1.4% (Cap up to P-2.75%) | 0.6% |
| Government Housing Scheme Mortgage Loans | P Plan as low as P-2.75% | 0.6% | |
| Non-Residential Mortgage Loans | H Plan H+1.7% (Cap at P-2.65%) | - |
 Enquiry to mReferral | Prime deposit-linked mortgage | Prime - 2.75% | - |
| Prime-based mortgage | Prime - 2.75% | - | |
| HIBOR mortgage | HIBOR+1.5% (Cap at P-2.75%) | - | |
| Home smart mortgage | Prime - 2.75% | - | |
| HIBOR deposit-linked Mortgage | HIBOR+1.5% (Cap at P-2.75%) | - | |
| Advance on mortgage / Property Refinancing service | HIBOR+1.5% (Cap at P-2.75%)/ Prime-2.75% | - | |
| 90% mortgage | HIBOR+1.5% (Cap at P-2.75%)/ Prime-2.75% | - |
 Enquiry to mReferral | 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 Plan | As 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% |
 Enquiry to mReferral | Mortgage Plus | Base on Prime/Hibor rate | - |
| 90% Mortgage Plan | Base on Prime/Hibor rate | - | |
| Prime Rate-Based Mortgage Plan | Base on Prime rate | - | |
| Hibor Rate-Based Mortgage Plan | Base on Hibor rate | - | |
| Home Ownership Scheme Mortgage Plan | Base on Prime rate | - |
 Enquiry to mReferral | Value-Added Mortgage Plan | Based 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 Loan | 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). Minimum loan amount HK$500,000 | - | |
| Residential Mortgage Plan | Based 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) | - |
 Enquiry to mReferral | 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 | - |
 Enquiry to mReferral | Smart' Mortgage Scheme | HIBOR Mortgage Plan: as low as HIBOR+1.30%, 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 1.1% cash reward for residential properties |
| All-You-Want' Mortgage Scheme | HIBOR Mortgage Plan: as low as HIBOR+1.30%, 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 1.1% cash reward for residential properties |
 Enquiry to mReferral | Residential Home Mortgage Loan Plan | Prime - 3% HIBOR + 1.3% Cap Prime - 2.9% | - |
| Mortgage Insurance Programme Loan Plan | Prime - 3% HIBOR + 1.3% Cap Prime - 2.9% | - | |
| Government Housing Subsidized Scheme Mortgage Plan | Prime - 3% | - |
 Enquiry to mReferral | Property Mortgage Service | Hibor Rate (H + 1.24% to H + 2.5%) | - |
| Mortgage Insurance Programme | Prime Rate (P + 0.5% to P - 3.1%) | - | |
| Reverse Mortgage | HKMC Prime Rate - 2.5% | - |
 Enquiry to mReferral | Non-Residential Mortgage Plan | Prime - 2.0% | - |
| Residential Mortgage Plan | HIBOR +1.8% | - | |
| GHOS | Prime - 2.5% | - | |
| 90% Mortgage Plan | HIBOR +1.8% | 20% |
 Enquiry to mReferral | Commercial and Industrial Mortgage | 3 months H+1% | - |
| Overseas Residential Property Mortgage (Australia / United Kingdom) | 1-month Cost of Funds + 1.6% | - | |
| Home Ownership Scheme (HOS) Mortgage Plan | Prime - 2.9% | - | |
| HIBOR-linked Mortgage Plan (With Interest Rate Cap) | 1 month H + 1.4% or P - 2.7%, whichever is lower | - | |
| Tenant Purchase Scheme (TPS) Mortgage | Prime - 2.9% | - | |
| Home Sweet Home Mortgage Plan | Prime - 3% | - |
 Enquiry to mReferral | Government Housing Scheme Mortgage Loan | As low as HKD Prime Rate - 2.75%p.a. | - |
| Residential Property Mortgage Plan | As low as HKD Prime Rate - 2.75%p.a. | - |
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
17/F, OTB Building,
160 Gloucester Road,
Wanchai, Hong Kong
NIL