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Get an extra cash rebate by successfully drawdown for a Mortgage Online

  
A man assessing his home mortgage

Get an extra cash rebate by successfully drawdown for a Mortgage Online

  
A man assessing his home mortgage

Use this online mortgage repayment calculators to assess your monthly interest and mortgage installement. For more information or a more accurate assessment, please call our hotline or use the online form below.

Mortgage Calculator
HKD  
  years

Your Mortgage Offer

 (EXAMPLE OF INDICATIVE VALUES GENERATED BASED ON YOUR INPUTS)
Effective Rate for the first year
0 p.a.  
Monthly Instalment 0  
The above mortgage offer is for illustration purpose only and is calculated on the following assumptions and basis.
  1. The mortgage interest rate quoted is based on 1-month HIBOR 5.000%; 3-month HIBOR 5.000% HKD Prime Rate 6.125% according to Citibank (Hong Kong) Limited’s records as of Sep 20, 2023.
  2. The mortgage interest rate for HIBOR Deposit-Linked (1-month) is “1-month HIBOR + 1.5%” (i.e. 6.500% and capped at 4.125%); HIBOR Deposit-Linked (3-month) is “3-month HIBOR + 1.5%” (i.e. 6.500% and capped at 4.125%); and for Prime Deposit-Linked is “HKD Prime Rate P-2.0%” (i.e.4.125%).
  3. The above illustration does not take into account any fees or any interest rate change. The loan terms and interest rates used under the illustration are for simulation purpose and reference only. The actual loan terms and interest rates will be subject to change at the Bank’s discretion.

The Deposit-Linked illustration shown above assumes that:
  1. The effective rate for the first year is calculated on the basis of net mortgage interest expenses by deducting “Deposit-Linked” interest rate from mortgage interest rate in the first year tenor.
  2. Deposit-Linked interest rate is the same as the mortgage interest rate, whereas the maximum amount of the HKD call deposit that is eligible to the Deposit-Linked interest rate is 50% of the mortgage loan outstanding balance.
  3. The HKD savings interest rate 0.001% p.a. is applied to the amount of the HKD call deposit which exceeds the maximum amount of 50% of the mortgage loan outstanding balance.
  4. The HK call deposit in the Deposit-linked account is maintained throughout the life of the mortgage loan account without withdrawal (i.e. from drawdown until the mortgage loan is fully repaid).
  5. Interests are calculated on a monthly basis throughout the mortgage loan tenor and repayments start from January 1st.
Get an extra cash rebate by successfully drawdown for a Mortgage Online.
Or take the mortgage application in 3 steps.
Take 3 minutes to complete the online enquiry form
Our Mortgage Sales Manger will contact you within 1 business day to follow up your enquiry
Complete the mortgage application process

Get Your Preliminary Approval

My Income
HKD  

My Existing Loans Repayments
HKD  

My Details
HKD  
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