H+1.5%

HIBOR Plan Rate

P(5.0%)-2.5%

Interest Rate Cap

^HK$8,000

Max Cash Rebate

All Details

• Key Features

  • Property valuation fee waiver

  • Up to 30 years repayment tenor

  • Offers on fire insurance and household insurance

  • Tap on HSBC mortgage specialists to assist on application

  • Up to 1.50% cash rebate available

Handling Fees

Application Fee	NA
Cancellation Fee	0.15% of the loan amount
Min. Cancellation Fee	HK$5,000
Change of Mortgage Plan	HK$1,500
Per Request
Change of Repayment Plan	HK$1,000
Per Request
Change of Mortgagor/ Guarantor/Mortgage Deed	HK$1,000
Per Request
Per Request for extra document copies	From HK$100
Per Lease Consent Letter on Charged Property	HK$1,000
Custody of non-discharged deeds after full loan repayment	HK$4,000
Per year

Late Payment Fees and Charges

Per Failure to make full payment	HK$380
On top of interest on overdue repayments

Early Settlement Fee

Full Prepayment Charge	% of Loan Amount
Within 1 Year of drawdown	3
Within 2 Years of drawdown	2
Within 3 Years of drawdown	1
Partial Prepayment Charge
Within 2 years drawdown	2 Month Interest on prepaid amount
Prepayment Fee	(Relevant Rate – HIBID) x prepayment amount x the Remaining Days
When prepayment date is not instalment repayment date or Saturday

Required Documents

Hong Kong ID Cards or passports
3 Months Bank Statements
Proof of Employment
Agreement for Newly Purchased Properties
Existing Refinance Documents (if applicable)
Latest Tax Demand Note
Residential Proof

Policy Material

Key Facts Statement	Read More