Best Citibank Refinance Mortgage Plan in Hong Kong 2020

Compare remortgage interest rates in Hong Kong and find the best refinance mortgage plan for your property. Read More
Looking for 4,000,000 loan over 30 Years
We found 2 Citibank Mortgages for you!
花旗銀行 logo

Monthly Payment

HK$14,721.17

Monthly Payment
MoneySmart Exclusive
HIBOR Plan Rate
H+1.5%
Interest Rate Cap
P(5.25%)-2.75%
Max Cash Rebate
HK$8,000
Monthly Payment
HK$14,721.17
Highest Cash Rebate Up to 0.26% of Mortgage Amount
Valid until 31 Oct 2020 - See T&Cs below
Enquire Now
花旗銀行 logo

Monthly Payment

HK$15,804.84

Monthly Payment
MoneySmart Exclusive
P Plan Rate
P(5.25%)-2.75%
Best Lending Rate (=P)
5.25%
Max Cash Rebate
HK$8,000
Monthly Payment
HK$15,804.84
Highest Cash Rebate Up to 0.26% of Mortgage Amount
Valid until 31 Oct 2020 - See T&Cs below
Enquire Now

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Citibank Property Valuation

Citibank provides free property valuation and estimates for prospective mortgage applicants. As soon as you enter the property details, it will give you an instant property valuation but this service only applies to major property developments in Hong Kong. In general, the result is usually more conservative. To get a higher valuation, you need to get more valuations from different banks. But this process is time-consuming.

If you are like most Hong Kong people, you are probably very much time-deprived. Then, you can leave the entire mortgage application to MoneySmart. We work with a number of major mortgage lenders in Hong Kong and we can help you get a number of valuations easily. To get an instant valuation of your property, you can also try our Property Valuation Calculator.

Citibank P Plan Mortgage Rates

Mortgage Loan Size Mortgage rateCash Rebate
HK$1,000,000 or above P(5.375%) - 3% = 2.375% 1%

Citibank H Plan Mortgage Rate

Mortgage Loan SizeMortgage Rate /Capped Mortgage RateCash Rebate
HK$2,000,000 or below H+1.40%/P(5.375%) - 2.90% = 2.475%1%
HK$2,000,000-HK$3,000,000 H+1.240%(New Purcahse)/H+1.250%(Refinance)/P(5.375%) - 2.90% = 2.475%0%
HK$3,000,000 or above H+1.240%/P(5.375%) - 2.90% = 2.475% N.A.

Citibank - Types of Property Mortgage

Property types Y/ N Remarks
New purchase of public housing without premium payment (green form applicants)NN.A.
New purchase or refinance of HOS flats without premium paymentNN.A.
Village houseNN.A.
Property with building ordersMaybeDepending on the severity level of a violation
Mainland propertyNN.A.

Apply for Citibank Mortgage with MoneySmart

Step 1Contact us

Contact MoneySmart mortgage team though our website or send a Whatsappsto +852 9665 5218

Step 2Compare mortgage plans

We will follow up on your inquiry and gives you different options

Step 3Apply online and submit supporting documents

Fill in only one application form and apply for multiple mortgages in one go 👍🏻

Step 4Check and sign

The bank that you have applied for will contact you directly 📞to follow up on your application. You can ask them any questions you might have directly

Step 5Excellent Customer Service

We will remind ⏰ you upon successful application and provide you with all the necessary support you might need

Citibank Mortgage FAQ

What documents are required when applying for Citibank mortgage?

  • Proof of identity
  • Income proof
  • Proof of residential address
  • Provisional agreement for sale and purchase (applicable to new purchase)
  • Recent repayment record and current mortgage repayment information (applicable to refinance)
  • Can I apply for a mortgage without a fixed income?

    Yes. As long as applicants are able to provide bank statements for the past six months to prove his/her income, it is possible to apply for a mortgage even without a stable income.

    Can I apply for a mortgage without a tax bill?

    Without a tax bill, it is unlikely to get a mortgage. However, you can try applying based on Asset Based Lending (ABL).

    Why should I get a mortgage through MoneySmart?

    The mortgage application process is complicated. If you leave it with MoneySmart, it will save you a lot of hassles. You can get multiple banks’ offers in just 9 working days and enjoy up to 2.5% special interest rate and up to 1.5% cash rebate.