Mortgage and Credit Services

Mortgage Service
As one of the market leaders in the Hong Kong mortgage market, we are dedicated to helping you realise your dream of owning a home by providing you with the most appropriate mortgage plan that meets your financial needs and goals.

Mortgage Plan	Advantages
RMB Mortgage Loan	Loan in RMB Applicable to a wide range of properties including residential, commercial and industrial properties and shops located in Hong Kong Mortgage interest rate is based on CNY HIBOR
Prime-based Mortgage Plan	Prime rate is generally subject to lower volatility and monthly payment is comparatively stable Flexible repayment options are offered to cater for your financial needs Loan tenor is up to 30 years
HIBOR Mortgage Plan	HIBOR is subject to the market trend and offers the potential of a lower interest rate Interest rate is capped for better financial planning Interest periods of 1, 3, 6 or 12 months at HIBOR base are available for your selection
Deposit-linked Mortgage Service - "Smart" Mortgage Scheme	A deposit account is offered at the same interest rate as the mortgage rate High deposit interest returns Great flexibility in deposit and withdrawal of funds
Deposit-linked Mortgage Service - "All-You-Want" Mortgage Scheme	All-in-one mortgage plan consists of current and payrollaccounts Funds deposited into the account can be immediately utilised to repay the principal to save interest expenses and shorten the repayment tenor Funds deposited can be withdrawn at any time
Investment Mortgage Plan	This plan is applicable to properties purchased by an individual or a company Applicable to a wide range of properties including residential, commercial and industrial properties and shops