Steps to Buying a Home

Follow these 6 steps to complete your home purchase journey

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Step 5: Choose the right mortgage

Choosing the right mortgage is just as important as finding the right home. Compare the benefits of our different mortgage plans and choose the one that best suits 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:
Mortgage $aver Up to 90% Mortgage Plan HIBOR Mortgage
Plan
Prime-based
Mortgage
Refinancing Reverse Mortgage Programme
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 » More Details » More Details » More Details » More Details » More Details »

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

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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.