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Enables small-to-medium enterprises to purchase residential, commercial & industrial properties or to re-finance

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a businessman smiling during phone call, discussing SC business mortgages benefits

Enables small-to-medium enterprises to purchase residential, commercial & industrial properties or to re-finance

Business Mortgage

Comprehensive mortgage solutions to facilitate your property acquisition or refinancing


  • Deposit into the BusinessOne current account to enjoy the same interest rate as your mortgage loan
  • Interest earned from your deposits can offset the mortgage loan outstanding principal, so your total mortgage interests will be reduced
  • Deposit or withdraw funds from your BusinessOne Current Account at any time
  • Deposits in BusinessOne current account are qualified for protection under the Deposit Protection Scheme in Hong Kong up to HKD500,000 per depositor

Eligibility & Documents


  • Sole Proprietorship/Partnership/Limited Companies registered in Hong Kong
  • Minimum 3 years of business operations


  • General

    1. Copy of Business Registration Certificate
    2. Latest 6 months bank statements
    3. Audited Financial Statement OR Profit Tax Demand Note of latest financial year
    4. Copy of Sales & Purchase Agreement (if applicable)
    5. Repayment schedule of proposed property (applicable to HEP)
    6. Tenancy Agreement (if applicable)
    7. Asset Proof, e.g. the latest month bank statement of investment account/ bank account (if applicable)

  • Limited Company (also applicable to corporate guarantor)

    1. Copy of Certificate of Incorporation
    2. Copy of particulars of Directorship and Company Secretary (Form D1/D2)
    3. Copy of “Memorandum & Articles of Association
    4. Board Minutes Extract

  • Sole-proprietorship / Partnership

    1. Copy of particulars of Sole Proprietorship (Form 1A)
    2. Copy of particulars of Partnership (Form 1C)

  • Sole-proprietor / Partners / Directors / Guarantor(s)

    1. Copy of HKID / Passport
    2. Latest Salary / Income Tax Demand Note (if applicable)
    3. Latest 3 months’ bank statements (if applicable)

  • Standalone Mortgagor

    1. Copy of HKID/ Passport/ CI / BRC


  • It offers you great flexibility. You can earn interests for the deposit in BusinessOne current account with the same interest rate as your mortgage loan and withdraw the funds at any time.

  • Your dedicated Relationship Manager can help you structure a best-fit solution based on your needs, offering you trade facilities, overdraft, short term loan and more.

Forms and Documents


  • The maximum interest earned for your BusinessOne deposit account cannot exceed the amount of interest charged on your mortgage loan account in each particular month.

Deposit Protection Scheme Brief Terms and Conditions in English and Chinese

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