Mortgage Offers
Mortgage Offers

Preferential Mortgage Plan

 

 

 

Plan A:
Preferential loan scheme
HIBOR Rate Plan
Interest Rate (p.a.)
as low as H+1.24%
Interest Rate Cap
capped at P-2.75%; P:5.25%
Cash Rebate
up to 1.6% of loan amount
Features
Enjoy preferential savings
interest rate to offset the mortgage interest expense
Remarks
1 month HIBOR: 1.7% on 21/2/20
 
Note: According to Mortgage Insurance Programme (MIP), LTV ratio can be up to 80% (for property value at or below HK$10 million); or up to 90% (i. for property value at or below HK$8 million subject to loan cap of HK$7.2 million; and for ii.regular salaried first time homebuyers with a maximum debt-to-income ratio of 50%), subject to bank final approval

 

Plan B:
Preferential loan scheme
Preferential Prime Rate
Mortgage Plan
Net Rate (p.a.)
as low as P-2.9% (P:5.25%)
Cash Rebate
up to 1.5% of loan amount
Features
Enjoy preferential savings
interest rate to offset the mortgage interest expense
Prepayment Penalty Period
2 years
Loan-to-Value Ratio
Up to 80%*(or up to 90%*)
Remarks
Note: According to Mortgage Insurance Programme (MIP), LTV ratio can be up to 80% (for property value at or below HK$10 million); or up to 90% (i. for property value at or below HK$8 million subject to loan cap of HK$7.2 million; and for ii. regular salaried first time homebuyers with a maximum debt-to-income ratio of 50%), subject to bank final approval。This plan is only for particular properties. Please contact Centaline Mortgage Consultants for more details.

 

Plan C:
Preferential loan scheme
Preferential Down Payment 
Mortgage Plan
Interest Rate (p.a.)
as low as P-2.6% to P-2.5% (P:5.25%)
Net Rate (p.a.)
as low as 2.65% to 2.75%
Cash Rebate
up to 0.5% of loan amount
Features
Above mortgage insurance limit
Prepayment Penalty Period
2 years
Loan-to-Value Ratio
up to 80% (value at or below $8.33M)
up to 70%-80% 
(value at or below $10M)
up to 65% (value at or above $10M)
Loan Tenor
up to 25 years
Remarks
For first-hand [(i)presale of uncompleted & (ii) completed] residential property only; Insurance fee is required.

 

Plan D:
Preferential loan scheme
Preferential Mortgage Plan for Shenzhen Property
Interest Rate (p.a.)
as low as P-1.5% to P-2% (P:5.25%)
Net Rate (p.a.)
as low as 3.25%
Loan Amount
Up to $0.5-$10M
Loan-to-Value Ratio
up to 60% (value below HKD$10M)(Max HKD$5M)
up to 50% (value at or above HKD$10M)
Loan Tenor
up to 30 years
Remarks
Only for Shenzhen first-hand residential property and completed units (i.e. certified property by local banks). The mortgage application is subject to final approval of banks. Please contact Centaline Mortgage for details.

  

最佳Plan E:
Preferential loan scheme
Bridging Loan Scheme
Interest Rate (p.a.)
as low as P-2.75%; P:5.25%
Net Rate (p.a.)
as low as 2.5%
Features
Provide short-term transition loan to pay for first payment of new property and assist in exchanging new property from the old one  
Loan Amount
Up to (i) 60% of the original property price or valuation minus the remaining mortgage loan amount
(ii) 30% of the new property (subject to the lower amount)
Loan Tenor
Up to 6 months
Or up to the original property transaction date (subject to earlier date)
Remarks
Only pay interest during transition loan period

 

 

Plan F:
Preferential loan scheme
High LTV Mortgage Plan
Interest Rate (p.a.)
As low as P+0.5% to P+1%(P:5.25%)
Net Rate (p.a.)
As low as 5.75% to 6.25%
Features
No Stress Test
Loan-to-Value Ratio
Up to 80%
Loan Tenor
Up to 25 years

 

*For the above plan, if the cash rebate is more than 1% of the loan amount, the amount of the rebate shall be included in the upper limit of the mortgage.

 

Remarks:

The bank/financial institution reserve the right of the final approval of loan application and to adjust the terms and conditions of the above offers without prior notice.

Please call our Mortgage Service Hotline 2889 2886 for more choices of mortgage plans.

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