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Steps to Buying a Home

Follow these 6 steps to complete your home purchase journey

Step 5: Choose the right mortgage

Compare the benefits of our different mortgage plans and choose the right mortgage to suit your needs:

Your Situation:
With cash on hand and
have regular savings
First-time home buyer or
with limited budget
(cannot afford a 40%
down payment)
Can afford to
manage fluctuations
in the repayment
Prefer a more stable
repayment plan
Have an existing
mortgage with
Standard Chartered
or other banks
Mortgage Plan:
HIBOR Mortgage
Key Benefits:
Maximise your
interest savings
Greater financial
Interest rate
that stays on top
of the market
More control over
your interest expenses
Adjusting to your
changing needs
Have the interest earned from your deposits offset your mortgage expense by reducing the Mortgage Loan outstanding principal
Borrow up to 90%
of the property value,
making a wider range
of properties affordable
Save interest by
enjoying a low interest
rate when the HIBOR
market rate is low
Enjoy a more
stable interest rate
Lower your payments,
pay off your loan faster,
consolidate your debts
or free up funds
More Details » More Details »

Prime-based Mortgage

Enjoy more control over your interest expenses.

  • Fixed instalment or tenor

The interest rate for prime-based mortgages will not vary much from month to month.

HIBOR Mortgage Plan

Capture opportunities to save on interest when the market rate is low.

  • The mortgage interest rate is based on the Hong Kong Interbank Offered Rate ("HIBOR"), with a capped limit that gives you rate protection in case of fluctuations
  • HIBOR periods of 1, 3 or 6 month(s) are available

Upon each interest rate renewal, a lower mortgage interest rate will be set automatically by comparing the HIBOR-based interest rate and the interest rate cap on the maturity day of the HIBOR fixing period.


1-Day Mortgage Preliminary Approval

Get a quick assessment of your formal mortgage application in just one day; you will receive up to HK$500 if we do not deliver as promised.

Apply Online

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Call our Mortgage Masters for further information.

2886 4686

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