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)
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 |
|---|
 Instant Application | Up to 90% LTV Mortgage Insurance Programme | HIBOR+1.4%, cap P-2.65% to 2.75% or Prime-2.65% to 2.75%; choice of HIBOR or Prime Deposit Linked Mortgage | Up to 1% Cash Rebate or combo of Asia Miles |
| Prime based Mortgage Plan | Prime -2.65% to 2.75%, choice of Deposit Linked Mortgage | Up to 1% Cash Rebate or combo of Asia Miles | |
| HIBOR Mortgage Plan | HIBOR+1.4%, cap P-2.65% to 2.75%; choice of Deposit Linked Mortgage | Up to 1% Cash Rebate or combo of Asia Miles |
 Instant Application | Residential Mortgage Loans | H Plan as low as H+1.3% (Cap up to P-2.75%) | 0.5% |
| Non-Residential Mortgage Loans | H Plan H+1.7% (Cap at P-2.75%) | - | |
| Government Housing Scheme Mortgage Loans | P Plan as low as P-2.75% | 0.5% |
 Apply now | Prime deposit-linked mortgage | Prime - 2.75% | - |
| HIBOR mortgage | HIBOR+1.4% (Cap at P-2.75%) | - | |
| HIBOR deposit-linked Mortgage | HIBOR+1.4% (Cap at P-2.75%) | - | |
| 90% mortgage | HIBOR+1.4% / Prime - 2.75% | - | |
| Advance on mortgage / Property Refinancing service | HIBOR+1.4% (Cap at P-2.75%)/ Prime-2.75% | - | |
| Home smart mortgage | Prime - 2.75% | - | |
| Prime-based mortgage | Prime - 2.75% | - |
 Apply now | HighAdvance Mortgage | For HIBOR Plan: as low as H+1.5%, 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 0.5% |
| Government Housing Schemes | For Best Lending Rate Plan: as low as P-2.5%. (P refers to Best Lending Rate quoted by HSBC.) | Up to 0.5% | |
| Home Mortgage Loan | For HIBOR Plan: as low as H+1.5%, 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 0.5% |
 Apply now | 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 1% cash reward for residential properties |
| HIBOR Mortgage Plan | Residential Properties as low as HIBOR+1.3%, cap at P-2.5% (P is the Bank's HKD Best Lending Rate, which is 5%p.a. currently) | Up to 1% cash reward for residential properties | |
| Mortgage Insurance Programme | Residential Properties HIBOR Mortgage Plan: as low as HIBOR+1.3%, 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% 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 1% cash reward for residential properties | |
| 'Smart' Mortgage Scheme | Residential Properties HIBOR Mortgage Plan: as low as HIBOR+1.3%, 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% cash reward for residential properties |
 Apply now | Conventional Mortgage Plan | In general, HIBOR Mortgage: H+1.4% (Cap at P-2.5%) | - |
| Mortgage-Link Loan Scheme | In general, Prime-based mortgage: P-2.5% / HIBOR Mortgage: H+1.4% (Cap at P-2.5%) | - | |
| Property Refinancing | In general, Prime-based mortgage: P-2.5% / HIBOR Mortgage: H+1.4% (Cap at P-2.5%) | - | |
| Home-For-Home Bridging Loan Plan | - | - | |
| 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% | - | |
| Hang Seng "Mortgage Insurance Programme" | In general, Prime-based mortgage: P-2.5% / HIBOR Mortgage: H+1.4% (Cap at P-2.5%) | - |
 Apply now | 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 1.35% |
| Residential Hibor Mortgage Plan with 'Mortgage Income Account' | H+1.3%, 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 1.35% | |
| Residential Prime Rate Mortgage Plan | As low as P-2.8% (P is the Bank's Prime Rate, which is currently 5.25% p.a.). Minimum loan amount HKD1,000,000. | Up to 1.45% |
 Apply now | Hibor Rate-Based Mortgage Plan | Base on Hibor rate | - |
| Prime Rate-Based Mortgage Plan | Base on Prime rate | - | |
| 90% Mortgage Plan | Base on Prime/Hibor rate | - | |
| Home Ownership Scheme Mortgage Plan | Base on Prime rate | - | |
| Mortgage Plus | Base on Prime/Hibor rate | - |
 Apply now | Residential Mortgage Plan | Prime -2.85% | - |
| Value-Added Mortgage Plan | Prime -3% | - | |
| Car Park Loan | Prime -3% | - |
 Apply now | Smart' Mortgage Scheme | HIBOR Mortgage Plan: HIBOR+1.3% to HIBOR+3.15%, cap at P-2% to P-2.65%Prime-based Mortgage Plan: P-2% to P-2.75%(P is the Bank's HKD Best Lending Rate, which is 5.125%p.a. currently) | Up to 2.1% cash reward for residential properties |
| All-You-Want' Mortgage Scheme | HIBOR Mortgage Plan: HIBOR+1.3% to HIBOR+3.15%, cap at P-2% to P-2.65%Prime-based Mortgage Plan: P-2% to P-2.75%(P is the Bank's HKD Best Lending Rate, which is 5.125%p.a. currently) | Up to 2.1% cash reward for residential properties | |
| Bridging Loan | P% to P-2.75% (P is the Bank's HKD Best Lending Rate, which is 5.125%p.a. currently) | Up to1.95% cash reward for residential properties | |
| Mortgage Refinancing/ Mortgage Refinancing with Top-up/Mortgage Top-up Services | HIBOR Mortgage Plan: HIBOR+1.7% to HIBOR+3.15%, cap at P-2% to P-2.65%Prime-based Mortgage Plan: P-2% to P-2.75%(P is the Bank's HKD Best Lending Rate, which is 5.125%p.a. currently) | Up to 1.95% cash reward for residential properties |
 Apply now | 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% | - |
 Apply now | Reverse Mortgage | HKMC Prime Rate - 2.5% | - |
| Property Mortgage Service | Hibor Rate (H + 1.35% , Cap at Prime-2.75%) | 1.7% | |
| Mortgage Insurance Programme | Hibor Rate (H + 1.35% , Cap at Prime-2.75%) | 1.7% |
 Apply now | Residential Mortgage Plan | Prime - 3.1% | - |
| 80% Mortgage Plan | Prime - 3.1% | - | |
| Non-Residential Mortgage Plan | Prime - 2.5% | - | |
| GHOS | Prime - 3.1% | - |
 Apply now | 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 - 2.9% | 1% |
| 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% | - | |
| 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 - 3% | 1.6% | |
| 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 +1.4% or Prime rate - 2.85%; whichever is lower (for Residential Property) | 1.6% | |
| 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 - 2.9% | 1.6% | |
| 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 - 2.9%; Plan 2 : Bank 1, 3 or 6 month HIBOR interest rate +1.4% or Prime rate - 2.85%; whichever is lower | 1% | |
| Fubon HIBOR Mortgage Plan_Corporate | It is only applicable to loan amount which is HK$1,000,000 or above; mortgage loan amount equal or below 60% of the purchase price or the appraised value of the property (whichever is lower); Bank 1, 3 or 6 month HIBOR interest rate +1.4% or Prime rate - 2.85%; whichever is lower (for Residential Property) | 1.6% |
 Apply now | Residential Mortgage Plan | Prime - 3.1% | - |
 Apply now | “Easy Home”Mortgage Plan | Preferential interest rate is subject to approval | - |
 Apply now | Prime-linked Mortgage Loan | -1 | - |
| HIBOR-linked Mortgage Loan | -1 | - | |
| Overseas Residential Property Mortgage (Australia / United Kingdom) | 1.6% + 1-month Cost of Funds | - | |
| Home Ownership Scheme (HOS) Mortgage Plan | Prime - 2.9% | - | |
| Commercial and Industrial Mortgage | Prime - 2.75% | - | |
| Tenant Purchase Scheme (TPS) Mortgage | Prime - 2.9% | - | |
| HIBOR-linked Mortgage Plan | H+1.4% or P-2.9%, whichever is lower | - | |
| Home Sweet Home Mortgage Plan | Prime - 3% | - |
 Apply now | Residential Property Mortgage Plan | As low as HKD Prime Rate - 2.75%p.a. | - |
| Government Housing Scheme Mortgage Loan | As low as HKD Prime Rate - 2.75%p.a. | - |
Calculator
More
Property price
HK$
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
