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Assume mortgage loan amount of HKD4,000,000 with loan tenor of 30 years:
|
Fixed Rate Mortgage Plan
|
Conventional Mortgage Plan
|
|
|---|---|---|
| Interest rate | 3 years Fixed Rate Plan 2.73% | 3.25%* |
| Monthly repayment amount | HKD16,287 | HKD17,408 |
| Mortgage interest payment during the fixed rate period | HKD317,080 | First 3 years HKD378,496 |
| Difference on net interest expenses during the fixed rate period | HKD61,416 (16% less) | |
The above example is based on the assumptions below and does not take into account any fees and any interest rate change which is for reference only.
* Based on the Hong Kong Dollar Prime Rate of Standard Chartered Bank (Hong Kong) Limited (the “Bank”) (5.25%p.a. as of 3 November 2025) minus 2.00%pa.
