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:
First-time home buyer or
with limited budget
(cannot afford a 30%
down payment)
Can afford to
manage fluctuations
in the repayment
Prefer a more stable
repayment plan
Have sufficient
funds and regular
Have an existing
mortgage with
Standard Chartered
or other banks
Mortgage Plan:
Key Benefits:
Greater financial
Borrow up to 90%
of the property value,
making a wider range
of properties affordable
Interest rate
that stays on top
of the market
Save interest by
enjoying a low interest
rate when the HIBOR
market rate is low
More control over
your interest expenses
Enjoy a more
stable interest rate
Maximise your
interest savings
Have your deposits
go towards reducing
your interest expenses
Adjusting to your
changing needs
Lower your payments,
pay off your loan faster,
consolidate your debts
or free up funds

Prime-based Mortgage

Enjoy more control over your interest expenses.

  • Fixed instalment or tenor
  • Applicable to all mortgage plans

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.


Online Application Offer

Submit a Mortgage Loan Application online to receive a 20" Trendy Foldable Bike.

1-Day Quick Mortgage Assessment

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