Best Standard Chartered 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 Standard Chartered Mortgages for you!
渣打銀行 logo

Monthly Payment

HK$14,721.17

Monthly Payment
MoneySmart Exclusive
HIBOR Plan Rate
H+1.5%
Interest Rate Cap
P(5.0%)-2.5%
Max Cash Rebate
HK$8,000
Monthly Payment
HK$14,721.17
MoneySmart Exclusive:
Highest Cash Rebate Up to 0.1% of Mortgage Amount
Valid until 31 Oct 2020 - See T&Cs below
Enquire Now
渣打銀行 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
MoneySmart Exclusive:
Highest Cash Rebate Up to 0.1% of Mortgage Amount
Valid until 31 Oct 2020 - See T&Cs below
Enquire Now

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Standard Chartered Bank Property Valuation

Prospective mortgage applicants can make use of the Standard Chartered Bank free property valuation services to get an estimated market value of the property that you are interested in. What you need to do is simply enter a few property details. The result is usually more conservative so you should only take it as a reference. To get a higher valuation, it is imperative to get more valuations from different banks. But this process can be daunting.

If you are like most Hong Kong people, you probably do not have time to do that. Luckily, you do not have to compromise. You can appoint professionals like MoneySmart to handle the entire mortgage application for you. We work with major mortgage lenders in Hong Kong and we can help you get a number of valuations easily in one go. To get an estimated value of your property instantly, you can also try our Property Valuation Calculator.

Standard Chartered Bank P Plan Mortgage Rates

Mortgage Loan Size Mortgage rate Cash Rebate
HK$1,000,000 or above P(5.375%) - 3% = 2.375% New Purchase: 2.05%, Refinance: 1.50%

Standard Chartered Bank H Plan Mortgage Rates

Mortgage Loan SizeMortgage Rate /Capped Mortgage RateCash Rebate
HK$1,000,000 or above H+1.240%/P(5.375%) - 2.90% = 2.475%1.5%

Standard Chartered - Types of Property Mortgage

Property typesY/ NRemarks
New purchase of public housing without premium payment (green form applicants)NN.A.
New purchase or refinance of HOS flats without premium paymentMaybeLetter from HOS required
Village houseOnly applicable to new purchases N.A.
Property with building ordersMaybe Depending on the severity level of the violation
Mainland propertyNN.A.

Apply for Standard Chartered Mortgage with MoneySmart

Step 1Contact MoneySmart

Contact our mortgage team through our website or Whatsapp us at +852 9665 5218

Step 2Compare mortgage plans

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

Step 3Apply online + submit supporting documents

Fill in a consolidated 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. For inquiries, you can ask them directly over the phone.

Step 5Excellent Customer Service

MoneySmart will remind ⏰ you soon after your application is approved and we will provide you with all the necessary support

Standard Chartered Bank Mortgage FAQ

What documents are required when applying for SCB mortgage?

For all mortgage applications, you are required to provide proof of identity, income proof and proof of residential address. For new purchase, provisional agreement for sale and purchase is required and for refinance, recent repayment record and current mortgage repayment information is required.

Can I apply for a mortgage without a stable income?

As long as you are able to provide bank statements for the past six months, it is possible to apply for a mortgage even without a fixed income.

Can I apply for a mortgage if I am unable to provide the tax bill?

If you are unable to submit the tax bill, it is not likely that your mortgage application will be approved. However, you can try applying based on Asset Based Lending (ABL).

Why should I get a mortgage through MoneySmart?

Applying through MoneySmart can save you time and money. You can get offers from multiple banks in just 9 working days and enjoy up to 2.5% special interest rate and up to 1.5% cash rebate.