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A one-stop solution that uses your deposits to help reduce your mortgage interest expenses up to 50%

MortgageOne reduces your mortgage interest expenses by up to 50%.

A one-stop solution that uses your deposits to help reduce your mortgage interest expenses up to 50%


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Suppose you would like to borrow a loan amount of HK$4,000,000.

Loan Amount HK$4,000,000 HK$4,000,000
Monthly Deposit Amount HK$4,000 HK$4,000
Deposit Balance HK$500,000 HK$500,000
Interest Rate (p.a.) 4.125%* 4.125%*
Total Interest Payment HK$1,880,294 HK$1,274,421 (save 32.22%)
Tenor 240 months 195 months (save 18.75%)

The above example is for reference only which does not take into account any fees (including arrangement fee, annual fee, and other charges (if any)) and interest rate change in the calculation.

*Based on the Bank’s Hong Kong Dollar Prime Rate 6.125%p.a. as of 31 August 2023 minus 2.00%pa.

Terms and conditions apply. For details, please contact our branch staff.

Important Notes

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