You're about to leave our website

This hyperlink will bring to you to another website on the Internet, which is published and operated by a third party which is not owned, controlled or affiliated with or in any way related to Standard Chartered Bank (Hong Kong) Limited or any member of Standard Chartered Group ( the "Bank").

The hyperlink is provided for your convenience and presented for information purposes only. The provision of the hyperlink does not constitute endorsement, recommendation, approval, warranty or representation, express or implied, by the Bank of any third party or the hypertext link, product, service or information contained or available therein.

The Bank does not have any control (editorial or otherwise) over the linked third party website and is not in any way responsible for the contents available therein. You use or follow this link at your own risk. To the extent permissible by law, the Bank shall not be responsible for any damage or losses incurred or suffered by you arising out of or in connection with your use of the link.

Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the terms of use and privacy policies of the third party website that you are going to visit.


Proceed to third party website

Compare our different mortgage plans and choose the right mortgage to suit your needs.

Borrow step visual

Compare our different mortgage plans and choose the right mortgage to suit your needs.

Steps to Buying a Home

Follow these 6 steps to complete your home purchase journey.

tab step 1tab step 2tab step 3tab step 4tab step 5tab step 6

`

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
Recommended Mortgage Plan
Key Benefits
With cash on hand and have regular savings Mortgage $aver Maximise your interest savings

• Have the interest earned from your deposits offset your mortgage expense by reducing the Mortgage Loan outstanding principal

First-time home buyer or with limited budget (cannot afford a 40% down payment) Up to 90% Mortgage Plan Greater financial flexibility

• Borrow up to 90% of the property value, making a wider range of properties affordable

Can afford to manage fluctuations in the repayment amount HIBOR Mortgage
Plan
Interest rate that stays on top of the market

• Save interest by enjoying a low interest rate when the HIBOR market rate is low

Prefer a more stable repayment plan Prime-based
Mortgage
More control over your interest expenses

• Enjoy a more stable interest rate

Have an existing mortgage with Standard Chartered or other banks Refinancing Adjusting to your changing needs

• Lower your payments, pay off your loan faster, consolidate your debts or free up funds

Residential property owners planning for retirement and stable cash flow Reverse Mortgage Programme Regular stream of monthly payouts

• Remain as the owner and live in the property for the rest of your life while no repayment during lifetime

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