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 | 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 | - |
| Prime based Mortgage Plan | As low as Prime -2.75%, choice of Deposit Linked Mortgage | - | |
| HIBOR Mortgage Plan | As low as HIBOR+1.45%, cap P-2.75%, whichever is lower choice of Deposit Linked Mortgage | - |
 Enquiry to mReferral | Non-Residential Mortgage Loans | H Plan H+1.7% (Cap at P-2.75%) | - |
| Residential Mortgage Loans | H Plan as low as H+1.4% (Cap up to P-2.75%) | 0.5% | |
| Government Housing Scheme Mortgage Loans | P Plan as low as P-2.75% | 0.5% |
 Enquiry to mReferral | 90% mortgage | HIBOR+1.5% (Cap at P-2.75%)/ Prime-2.75% | - |
| Advance on mortgage / Property Refinancing service | HIBOR+1.5% (Cap at P-2.75%)/ 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%) | - | |
| Prime-based mortgage | Prime - 2.75% | - | |
| Prime deposit-linked mortgage | Prime - 2.75% | - |
 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.) | - |
 Enquiry to mReferral | 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 |
 Enquiry to mReferral | Conventional Mortgage Plan | In general, HIBOR Mortgage: H+1.45% (Cap at P-2.5%) | Case by case |
| Mortgage-Link Loan Scheme | In general, Prime-based mortgage: P-2.5% / HIBOR Mortgage: H+1.45% (Cap at P-2.5%) | Case by case | |
| Property Refinancing | In general, Prime-based mortgage: P-2.5% / HIBOR Mortgage: H+1.45% (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+1.45% (Cap at P-2.5%) | Case by case |
 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 | 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 _Individual | It 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_Corporate | It 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 Plan | It 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 lower | 0.5% | |
| Residential Mortgage Plan _Corporate | It 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 _Individual | It 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 Scheme | Fubon 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% |
 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 | Residential Property Mortgage Plan | As low as HKD Prime Rate - 2.75%p.a. | - |
| Government Housing Scheme Mortgage Loan | As low as HKD Prime Rate - 2.75%p.a. | - |
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17/F, OTB Building,
160 Gloucester Road,
Wanchai, Hong Kong
NIL