| TRADITIONAL MORTGAGE PLAN |
| BANK NAME |
LONGEST TERM OF MORTGAGE |
MORTGAGE RATE |
| Bank of Communication |
30 |
Plan 1: mortgage amount over 90%, P(5.25%)-3.05%, Cash rebate 0.8%, Penalty period 2 years
Plan 2: mortgage amount over 70%, P(5.25%)-2.65%, Cash rebate 0.15%, Penalty period 0.5 year |
| Bank of East Asia |
30 |
P(5.25%)-3% |
| Bank of China |
25 |
P(5%)-1.5%, Cash rebate 1%, case by case |
| Chong Hing Bank |
30 |
Plan 1: above HK$0.8M, P(5.25%) - 2.38%(1st year) to P(5.25) - 2.6%(1st)
Plan 2: P(5.25%) - 2.6%, Cash rebate 0.5% |
| Citibank |
25 |
above HK$1M, P(5.25%) - 3.25% |
| Citic Ka Wah Bank |
30 |
above HK$1M, P(5.25%) - 2.75%, Cash rebate 0.8%
below HK$1M, P(5.25%)-2.25%, Cash rebate 0.7% |
| Dah Sing Bank |
30 |
above HK$1M, P(5.25%)-3.05% (Cash rebate 0.9%)
below HK$1M, P(5.25%)-2.8% (Cash rebate 0.3%) |
| DBS Bank |
30 |
HK$0.8M, P(5.25%) - 2.5% (Cash rebate 1%)
above HK$1M, P(5.25%) - 2.85% (Cash rebate 1%) |
| Hang Sang Bank |
30 |
P(5%) - 2.9%, case by case |
| HSBC |
30 |
P(5%) - 1% to 1.5% (case by case) |
| ICBC |
30 |
P(5.25%) - 2.65% |
| China Construction Bank |
30 |
below HK$1M, P(5.25%) - 3% (Cash rebate 0.5%)
above HK$1M, P(5.25%) - 3.1% (Cash rebate 1%) |
| Shanghai Commercial Bank |
30 |
P(5.25%) - 3% to P(5.25%) - 2.8% |
| Standard Chartered Bank |
30 |
P(5.25%) - 3.15%, Cash rebate 0.6%, case by case |
| Wing Lung Bank |
25 |
below HK$1M, P(5.25%) - 2.7% (Cash rebate 0.6%)
above HK$1M, P(5.25%) - 2.9% (Cash rebate 0.6%) |
| HIBOR MORTGAGE PLAN |
| BANK NAME |
MORTGAGE RATE |
PENALTY PERIOD |
| Standard Chartered Bank |
(above HK$1M) H + 0.7% < 2.75% (P - 2.5%) >, Cash rebate 0.5% |
3 |
| ICBC |
(above HK$2M) H + 0.7% < 2.50% (P - 2.75%) >, Cash rebate 0.5% |
3 |
| Hang Sang Bank |
(above HK$1M) H + 1% < 2.50% (P - 2.5%) >, Cash rebate 0.5% |
1 |
|
|
