Mortgage Valuation

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Property Valuation

	Mortgage Plan	Interest	Notes
HSBC	New mortgage H+1.3% (over $3 million)	P : 5.0%	The longest term - 30 Year Cash Rebate - 0.5-1.35 % Penalty - 2 Year 同時享有高息存款戶口
	Remortgage/plus press H+1.4%-1.46%	P : 5.0%	The longest term - 30 Year Cash Rebate - 0.9- 1.33 % Penalty - 2 Year 同時享有高息存款戶口
	P-2.5%	P : 5.0%	The longest term - 30 Year Cash Rebate - 0.6- 1.35 % Penalty - 2 Year 同時享有高息存款戶口
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Bank of China	New mortgage H+1.3% (over $2 million)	P : 5.0%	The longest term - 30 Year Cash Rebate - 0.8-1.4 % Penalty - 2 Year 同時享有高息存款戶口
	Remortgage H+1.3%-1.4%	P : 5.0%	The longest term - 30 Year Cash Rebate - 0.9-1.4 % Penalty - 2 Year 同時享有高息存款戶口
	P-2.5%	P : 5.0%	The longest term - 30 Year Cash Rebate - 0.6 - 1.4 % Penalty - 2 Year 同時享有高息存款戶口
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Hang Seng Bank	(1 Month) H+1.3-1.4%	P : 5.0%	The longest term - 30 Year Cash Rebate - 0.7-1.33 % Penalty - 2 Year 兼享存款高息戶口
	Remortgage H+1.3%	P : 5.0%	The longest term - 30 Year Cash Rebate - 0.7-1.33 % Penalty - 2 Year 兼享存款高息戶口
	P-2%	P : 5.0%	No cash rebate, penalty interest period (to be discussed)
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Standard Chartered	New mortgage H+1.3%-1.4%	P : 5.25%	The longest term - 30 Year Cash Rebate - 0.8-1.4 % Penalty - 2 Year 兼享存款高息戶口
	Remortgage H+1.3% (over $3 million)	P : 5.25%	The longest term - 30 Year Cash Rebate - 0.5-1 % Penalty - 2 Year 兼享存款高息戶口
	P-2.75%	P : 5.25%	最最長年期 - 30 年現金回贈 - 0.8-1.4 % 罰息期 - 2 年
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Bank of East Asia	(1 Month) H+1.3-1.4%	P : 5.25%	The longest term - 30 Year Cash Rebate - 1.3-1.5 % Penalty - 2 Year
	Remortgage H+1.3%-1.5%	P : 5.25%	The longest term - 30 Year Cash Rebate - 0.3-1.2 % Penalty - 2 Year
	P-2.75%	P : 5.25%	Transition Loan Scheme Repayment period up to 6 months (optional remaining interest)
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DBS	(1 Month) H+1.3-1.35%	P : 5.25%	The longest term - 30 Year Cash Rebate - 0.8-1.2% Penalty - 2 Year
	(1 Month) H+1.35 - 1.7%	P : 5.25%	The longest term - 30 Year Cash Rebate - 0.5-1.2% Penalty - 3 Year
	P-2.5%	P : 5.25%	The longest term - 30 Year Cash Rebate - 0.2-1% Penalty - 2 Year
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Citibank	New mortgage H+1.3% (over $3 million)	P : 5.25%	The longest term - 30 Year Cash Rebate - 1-1.4 % Penalty - 2 Year 同時享有高息存款戶口
	Remortgage H+1.3%-1.4%	P : 5.25%	The longest term - 30 Year Cash Rebate - 1-1.4% Penalty - 2 Year 同時享有高息存款戶口

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Dah Sing Bank	New mortgage H+1.3%-1.5%	P : 5.25%	The longest term - 30 Year Cash Rebate - 0.3-0.8 % Penalty - 2-3 Year
	P-2.75%	P : 5.25%	The longest term - 30 Year Cash Rebate - 0.3-0.8 % Penalty - 3 Year

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Wing Hang	(1 Month) H+1.3%	P : 5.50%	The longest term - 30 Year Cash Rebate - 1.2-1.6% Penalty - 3 Year
	P-3.0%	P : 5.50%	The longest term - 30 Year Cash Rebate - 0.8-1.3%

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CMB Wing Lung Bank	(1 Month) H+1.3-1.35%	P : 5.25%	The longest term - 30 Year Cash Rebate - 0.6-1.2 % Penalty - 3 Year
	(1 Month) H+1.35-1.4%	P : 5.25%	The longest term - 30 Year Cash Rebate - 0.6-1.2 % Penalty - 2 Year 同時享有高息存款戶口
	P-2.5%	P : 5.25%	The longest term - 30 Year Cash Rebate - 0.6-1 % Penalty - 2 Year 同時享有高息存款戶口
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China Citic Bank	(1 Month) H+1.3-1.33%	P : 5.25%	The longest term - 30 Year Cash Rebate - 0.5 - 1 % Penalty - 2 Year 同時享有高息存款戶口
	P-2.75%	P : 5.25%	The longest term - 30 Year Cash Rebate - 0.5 -1.3 % Penalty - 1 Year

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Bank of Communications	New mortgage H+1.3% (over $3 million)	P : 5.25%	The longest term - 30 Year Cash Rebate - 1.3-1.4 % Penalty - 2 Year
	Remortgage H+1.7%	P : 5.25%	The longest term - 30 Year Cash Rebate - 0.7-1.4 % Penalty - 2 Year

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Chong Hing Bank	(1 Month) H+1.3-1.4%	P : 5.25%	The longest term - 30 Year Cash Rebate - 0.5-1.2 % Penalty - 2 Year *同時享有高息存款戶口
	P-2.75%	P : 5.25%	The longest term - 30 Year Cash Rebate - 0.5-1.2 % Penalty - 2 Year *同時享有高息存款戶口

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Industrial and Commercial Bank of China	New mortgage H+1.3% (over $3 million)	P : 5.25%	The longest term - 30 Year Cash Rebate - 0.2-1.4 % Penalty - 2 Year (2%/1%)
	New mortgage H+1.4%- 1.45% (under $3 million)	P : 5.25%	The longest term - 30 Year Cash Rebate - 0.2-1.4 % Penalty - 2 Year (2%/1%)
			同時享有高息存款戶口 ($300 萬以下不設高息戶口)
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China Construction Bank (Asia)	New mortgage H+1.3% (over $3 million)	P : 5.25%	The longest term - 30 Year Cash Rebate - 0.5-1.3 % Penalty - 2 Year 兼享存款高息戶口
	ESG H+1.3% (over $3 million)	P : 5.25%	The longest term - 30 Year Cash Rebate - 1.4-1.5 % Penalty - 2 Year 兼享存款高息戶口
	P-2.75%	P : 5.25%	The longest term - 30 Year Cash Rebate - 0.5 % Penalty - 3 Year
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Nanyang Commercial Bank	(1 Month) H+1.4%	P : 5.0%	The longest term - 30 Year Cash Rebate - 0.5-0.8 % Penalty - 2 Year
	P-2.5%	P : 5.0%	The longest term - 30 Year Cash Rebate - 1 % Penalty - 3 Year

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Chiyu Bank	(1 Month) H+1.3-1.4%	P : 5.0%	The longest term - 30 Year Cash Rebate - 0.5 - 1.5 % Penalty - 2 / 3 Year 兼享存款高息戶口


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Fubon Bank (HK)	(1 Month) H+1.3%	P :5.375%	The longest term - 30 Year Cash Rebate - 0.2 - 1.4 % Penalty - 2 Year
	P-2.5 - P-2.875%	P :5.375%	The longest term - 30 Year Cash Rebate - 0.2 -1.4 % Penalty - 2 Year

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Public Bank	(1 Month) H+1.4%-1.5%	P :5.375%	The longest term - 30 Year Cash Rebate - NIL Penalty - 2 Year (2%/1%)
	P-2.75%	P :5.375%	The longest term - 30 Year Cash Rebate - NIL Penalty - 2 Year(2%/1%)

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HKCB	(1 Month) H+1.4%	P : 5.25%	The longest term - 30 Year Cash Rebate - NIL Penalty - 1 Year
	P-2.4-2.5%	P : 5.25%	The longest term - 30 Year Cash Rebate - NIL Penalty - 1 Year

	Tel	66128454
Last Updated on 01 APRIL 2022
			Please note that the above mortgage products (interest rate/cash rebate/penalty period) are for reference only. The actual approval result depends on the applicant's actual financial situation.

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