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Enjoy predictable monthly repayment during the fixed rate period, and interest rate as low as 1.68% p.a. & 2.15% p.a. in 1st & 2nd year.

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Enjoy predictable monthly repayment during the fixed rate period, and interest rate as low as 1.68% p.a. & 2.15% p.a. in 1st & 2nd year.

Terms and Conditions apply.

2 Years Fixed Rate Mortgage Plan

Programme Details

For Selected Clients*
For other self-use clients
Fixed Rate Period First 2 years after loan drawdown
Interest Rate during Fixed Period 1st year fixed at 1.68% 1st year fixed at 1.88%
2nd year fixed at 2.15% 2nd year fixed at 2.45%
Interest Rate Thereafter Hibor: As low as 1 month Hibor + 1.3%, capped P-3.1%
Prime: As low as Prime rate – 3.1%
Cash Rebate Up to 1.7% of the Loan Amount
Penalty 1st year              3% of the original loan amount
2nd & 3rd year      100% Cash Return


Comparison with Conventional Mortgage during the 1st year
For selected clients*
For other self-use clients
Conventional Mortgage
Loan Amount HKD4,000,000
Tenor 30 years
Interest Rate 1st year: 1.68% 1st year: 1.88% 2.15%
Interest Payment

in 1st year


HKD18,651.84 Less! (21.9%)


HKD10,718.41 Less! (12.6%)


*Applicable to residential property for self-use purpose, with property value HKD20,000,000 or below

The above example is based on the following assumptions

1. The interest rate of Conventional Mortgage is Hibor +1.3%, capped at Prime – 3.1%, and the effective interest rate would be 2.15% (1 month Hibor was 1.185% and Prime was 5.25% as of 2 Jan 2018).

2. The comparison and calculation is for illustration purpose only based on the indicative interest rates. The calculation may differ depending on the applicable HIBOR/prime rates and the interest rate approved by the bank.


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

Important Notes