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
amount
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
Recommended
Mortgage Plan:
Refinancing
Key Benefits:
Maximise your
interest savings
Greater financial
flexibility
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 »

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

Refinancing

Adjust your mortgage to suit your changing needs.

  • Remortgage
  • Mortgage top-up
  • Home equity loan

Has your situation changed since you first took out your mortgage? Here are some reasons to consider refinancing:

  • To lower your monthly repayments
  • To pay off your loan faster
  • To enhance your cash flow for greater financial flexibility
  • To enjoy a more competitive interest rate

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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.

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Call Us

Call our Mortgage Masters for further information.

2886 4686

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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.

Disclaimer

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.

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