Refinancing Mortgage Referral Programme

Do you know any friends with existing mortgages?

If you are currently our existing client, simply refer your friends to (1) submit a refinancing mortgage loan application with a completed referral form from 16 March 2016 to 30 June 2016, and (2) successfully drawdown a mortgage loan of HK$1,000,000 or above, you can enjoy up to HK$10,000 cash reward for each successful referral.

What’s more, upon successful mortgage loan drawdown, your friends will enjoy up to 1% cash subsidy!

For details, please ask your friends to contact our Mortgage Masters.

Contact Us Download Referral Form

Terms and Conditions


  1. Under the Refinancing Mortgage Referral Programme, the Referee must apply for a mortgage loan secured on a property which is for the purpose of property refinancing and be the borrower of the refinancing mortgage loan and submit mortgage loan application with a completed referral form from 16 March 2016 to 30 June 2016 and successfully drawdown the mortgage loan of HK$1,000,000 or above with Standard Chartered Bank (Hong Kong) Limited (the “Bank”). The Bank’s staff mortgage loan, existing loan top up, car park loan and existing loan conversion are not eligible for the Refinancing Mortgage Referral Programme. (“Eligible Mortgage Loan”)
  2. Property refinancing means transfer of existing mortgage loan(s) from other banks/ financial institutions, or refinancing a property which is not mortgaged.
  3. Referrer must fulfil either (a) OR (b) in order to be eligible to participate in this Refinancing Mortgage Referral Programme (“Eligible Referrer”):
  4. (a)
    1. Existing client with the Bank at the time of crediting Cash Reward as defined in Clause 4 below and
    2. Hold a valid HKD savings or current account with the Bank at the time of submitting the Referral Form and
    3. Cannot be any of the borrowers, mortgagors or guarantors of the Eligible Mortgage Loan
      OR
    (b)
    1. Full-time permanent staff of the Bank at the time of crediting Cash Reward as defined in Clause 4 below and
    2. Cannot be any frontline staff under Retail Banking or staff under Mortgage, Retail Products and
    3. Cannot be any of the borrowers, mortgagors or guarantors of the Eligible Mortgage Loan
  5. Eligible Referrer is entitled to the Cash Reward of 0.1% on the drawdown loan amount (minimum HK$2,000 and maximum HK$10,000) on each Eligible Mortgage Loan (“Cash Reward”).
  6. The Cash Reward will be credited into Eligible Referrer’s designated account which must be a valid HKD savings or current account held by Eligible Referrer at the Bank (“Designated Account”), within 30 days upon the Eligible Mortgage Loan drawdown of the Referee.
  7. The Cash Rewardwill be given solely dependent on the eligibility of the Referrer as set out in clause 3 above and the drawdown of the Referee’s Eligible Mortgage Loan and irrespective of any mortgage application of the Eligible Referrer or the drawdown of any loan.
  8. No Cash Reward will be given to the Eligible Referrer if the Eligible Mortgage Loan is entitled to other promotion offers, including but not limited to other referral offers (e.g. broker referral) and online application offers.
  9. If the Eligible Referrer is an existing mortgage loan client under a shell company, company chop must be stamped in the referral form.
  10. Referral form will not be accepted if the submission date is after the Eligible Mortgage Loan application submission date.
  11. To be eligible for the Cash Reward, the referral form must be signed by the Eligible Referrer and the Referee. No Cash Reward will be granted unless signatures are obtained from Eligible Referrer and Referee.
  12. Regardless of the number of referral form received under the Eligible Mortgage Loan, only the first referral form received by the Bank will be entitled to the Cash Rewardfor each Eligible Mortgage Loan.

Terms & Conditions for Up to 1% Mortgage Drawdown Cash Subsidy

  1. To be eligible for the Mortgage Drawdown Cash Subsidy (“Cash Subsidy”), Eligible Clients must:
    1. apply for mortgage loan from 16 March 2016 to 30 June 2016; and
    2. successfully drawdown the mortgage loan
  2. The amount of cash subsidy is subject to the final approval of the Bank.
  3. For each eligible mortgage loan, the maximum cash subsidy amount for all prevailing offers must not exceed 1% of (i) the mortgage loan drawdown amount or (ii) the normal permissible loan to value ceilings of the net purchase price or the valuation of the property (whichever is lower) under the Hong Kong Monetary Authority guidelines, whichever is lower. If the sum of cash subsidy is greater than 1% of the aforesaid amount, the cash subsidy for all prevailing offer(s) will be reduced to 1% of the aforesaid amount.

General Terms & Conditions

  1. The Bank reserves the right to amend the above terms and conditions without prior notice. In the event of disputes and any matter in respect of this programme, the Bank’s decision shall be final and conclusive.
  2. If there is any inconsistency or conflict between the English and Chinese versions, the English version shall prevail.