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Free Mortgage Preliminary Assessment Service
(Free Mortgage Insurance Programme Preliminary Assessment Service)

For better financial planning, you can get a free pre-assessment of the loan amount available to you before buying your property, as an indication of what you can afford.

  • We offer Mortgage loans of up to 90% of the property value

Simply submit the mortgage application and provide the required documents.

To borrow or not to borrow? Borrow only if you can repay!

Terms and Conditions

General Terms and Conditions:
  1. Standard Chartered Bank (Hong Kong) Limited (the "Bank") reserves the right to terminate the promotion set out below ("Promotions", any one of them a "Promotion") and to vary or modify any of the terms and conditions from time to time without prior notice. In case of disputes, the Bank’s decision shall be final and binding.
  2. Approval of any mortgage loan product relevant to the Promotions and the reward of coupon as outlined in this material to eligible customer are subject to the absolutely discretion of the Bank and the Bank has no obligation to provide reasons for rejection.
  3. Please refer to the relevant promotional leaflet, letter, and application form(s) or contact our branch staff for further details on the mortgage loan product and/or Promotions.
  4. If there is any inconsistency between the English and Chinese versions, the English version shall prevail.

Terms & Conditions for Free Mortgage Insurance Programme Preliminary Assessment Service
  1. To be eligible for the Free Mortgage Preliminary Assessment Service, client must submit mortgage application with relevant documents on or before 31 December 2017. For details, please contact our branch staff.
  2. The actual turnaround time required for assessing the mortgage application may vary depending on the circumstances of each application. Assessment of the mortgage loan is subject to the decision of the Bank and the Bank has no obligation to provide reasons.
  3. Upon completion of the Mortgage Preliminary Assessment Service, the Bank will issue a Confirmation Certificate(“Confirmation Certificate”). Client is required to submit a Formal Sale and Purchase Agreement and relevant documents (if any) within 1 month from the issuance date of the Confirmation Certificate for further verification.
  4. The result of the Mortgage Preliminary Assessment Service is only applicable to the property which address is printed in the Confirmation Certificate. If the property to be mortgaged is changed, client is required to submit another individual application for the Mortgage Preliminary Assessment Service.
  5. The Mortgage Preliminary Assessment Service result is for reference only and should not be regarded as a formal mortgage loan approval from the Bank or a representation from the Bank that a formal approval will be granted. Further assessment will be conducted according to the Bank’s prevailing policies. The mortgage loan application is subject to formal approval of the Bank.
  6. The Mortgage Preliminary Assessment Service result is derived from the financial, property and loan information provided by client(s) in the Mortgage Loan Service Application and the credit check results from TU on unsecured loan records. The Bank will proceed to assess the income proof and other relevant documents provided, conduct credit check on the mortgage loan count with TU, conduct property inspection and full valuation reports (if applicable). The formal approval result will be advised in due course.
  7. For details of the Mortgage Preliminary Assessment Service and relevant terms and conditions, please contact our branch staff.
  8. The approval of the Mortgage Preliminary Assessment Service is subject to the decision of the Bank which shall be final and conclusive.
  9. The above offers are subject to relevant terms and conditions including but not limited to the above terms and conditions and the terms and conditions specified in the Confirmation Certificate. Please contact our branch staff for details.

Up to 90% Mortgage Plan

Get a mortgage loan of up to 90% of the property value, which makes a wider range of properties affordable.

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Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.


Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.