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
Residential property owners
planning for retirement and
stable cash flow
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
Regular stream of
monthly payouts
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
Remain as the owner
and live in the property
for the rest of your life
while no repayment
during lifetime
More Details » More Details »

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

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

Apply Now

Contact Us

Leave your contact details and we will be in touch as soon as possible.

Fill in Contact Form »

Call Us

Call our Mortgage Masters for further information.

2886 4686

Locate Us

Visit the branch nearest you.

Find a Branch »

Back to Top

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.