Mortgage Rate in Hong Kong - Square Foot
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Mortgage Insurance Programme Property Transactions Reference Mortgage Rate
HSBCPrime Rate (P)5.00
Real Interest Rate (%)2.60
Maximum Repayment Period (year)40
Penalty Period (Year)3
Cash Rebate (%)0.50
Plan1) Over 1M P-2.1 to P-2.4%，cash rebate 0.2% - 0.5%，3 years of penalty period.
2) H+2.3% – H+2.7%, (cash rebate0.5%), P-2.25%
Tel2748 8080
Hang Seng BankPrime Rate (P)5.00
Real Interest Rate (%)2.40
Maximum Repayment Period (year)30
Penalty Period (Year)2
Cash Rebate (%)1.00
Plan1) Over 800K P-2.85(1%cash rebate), 2 years of penalty period.
2) Below 800K P-2.5toP-2.75(0.8%cash rebate), 2 years of penalty period.
3) Over 800K ,H+0.8%(0.9%cash rebate),2 years of penalty period, MaxP-2.75%.
Tel2710 2288
Bank of ChinaPrime Rate (P)5.00
Real Interest Rate (%)2.30
Maximum Repayment Period (year)30
Penalty Period (Year)3
Cash Rebate (%)Negotiable
Plan1) Over 500K, P-2.70%，(cash rebate is negotiable)
2) H+2.0% –H+2.5%, MaxP-2%
Tel3669 3233
Nanyang Commercial BankPrime Rate (P)5.00
Real Interest Rate (%)2.30
Maximum Repayment Period (year)30
Penalty Period (Year)3
Cash Rebate (%)0.60
Plan1) Over 1M ，P-2.7%(cash rebate0.6%), 3 years of penalty period.
Tel2622 2633
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CitibankPrime Rate (P)5.25
Real Interest Rate (%)2.30
Maximum Repayment Period (year)30
Penalty Period (Year)3
Cash Rebate (%)0.80
Plan1) Over 1M ，P-2.3% to P-2.7%(cash rebate0.5%), 3 years of penalty period.
2) H+2.5% to H+3.0%, (cash rebate 0.3%), capped at P-2.0%.
Tel2962 7077
Citic Bank InternationalPrime Rate (P)5.25
Real Interest Rate (%)2.35
Maximum Repayment Period (year)30
Penalty Period (Year)3
Cash Rebate (%)0.50
Plan1) Over 1.5M ,P-2.5%(cash rebate0.5%), 3 years of penalty period.
Tel2287 6788
Chong Hing BankPrime Rate (P)5.25
Real Interest Rate (%)2.25
Maximum Repayment Period (year)30
Penalty Period (Year)2
Cash Rebate (%)0.80
Plan1) Over 800K, P-3%(cash rebate0.8%), 2 years of penalty period.
Tel3768 6888
Bank of CommunicationsPrime Rate (P)5.25
Real Interest Rate (%)2.25
Maximum Repayment Period (year)30
Penalty Period (Year)3
Cash Rebate (%)0.70
Plan1) Over 1M P-3.0%(credit card cash rebate 0.7%), 3 years of penalty period.
Tel2269 9699
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China Construction Bank (Asia)Prime Rate (P)5.25
Real Interest Rate (%)2.50
Maximum Repayment Period (year)25
Penalty Period (Year)1
Cash Rebate (%)N/A
Plan1) Over 1M P-3.25%, 1 years of penalty period.
Tel2805 2383
Wing Lung BankPrime Rate (P)5.25
Real Interest Rate (%)2.35
Maximum Repayment Period (year)30
Penalty Period (Year)3
Cash Rebate (%)0.50
Plan1) Over 1M , P-2.5% - P-2.9% (cash rebate 0.5% or below),3 years of penalty period.
Tel2826 8222
Standard Chartered BankPrime Rate (P)5.25
Real Interest Rate (%)2.45
Maximum Repayment Period (year)30
Penalty Period (Year)2
Cash Rebate (%)0.80
Plan1) Over 1M ,P-2.8%，cash rebate0.8%, 3 years of penalty period.
Tel2886 8855
The Bank of East AsiaPrime Rate (P)5.25
Real Interest Rate (%)2.50
Maximum Repayment Period (year)30
Penalty Period (Year)3
Cash Rebate (%)0.20
Plan1) Over 800K ,P-2.75% (cash rebate0.2%), 3 years of penalty period.
Tel3608 8686
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DBS Bank (Hong Kong)Prime Rate (P)5.25
Real Interest Rate (%)3.25
Maximum Repayment Period (year)30
Penalty Period (Year)3
Cash Rebate (%)0.90
Plan1) $1M, P -1.75% (P=5.25%), 0.9% cash rebate, 3 years penalty, 3%, 2%, 1% on outstanding amount
2) $3M, P - 2% (P=5.25%), 0.9% cash rebate, 3 years penalty, 3%, 2%, 1% on outstanding amount
Tel2961 2288
Fubon BankPrime Rate (P)5.25
Real Interest Rate (%)2.3
Maximum Repayment Period (year)30
Penalty Period (Year)3
Cash Rebate (%)0.30
Plan1) Above 500K P-2.95% (cash rebate0.3%), 3 years of penalty period.
Tel2806 7222
ICBC (Asia)Prime Rate (P)5.25
Real Interest Rate (%)2.45
Maximum Repayment Period (year)30
Penalty Period (Year)2
Cash Rebate (%)0.50
Plan1) Over 800k, P-2.7% (cash rebate 0.5%), 2 years of penalty period.
2) Over 800k, P-2.7% (no cash rebate), 1 years of penalty period.
Tel2534 3000
Shanghai Commercial BankPrime Rate (P)5.25
Real Interest Rate (%)2.50
Maximum Repayment Period (year)30
Penalty Period (Year)1
Cash Rebate (%)N/A
Plan1) Over 1M P-2.75%, 1 year penalty period at 3%.
Tel2841 5249
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Wing Hang BankPrime Rate (P)5.25
Real Interest Rate (%)2.50
Maximum Repayment Period (year)30
Penalty Period (Year)3
Cash Rebate (%)1.00
Plan1) Over 500K, P-2.75% (cash rebate 1%) , 3 years of penalty period.
Tel3199 9188
Dah Sing BankPrime Rate (P)5.25
Real Interest Rate (%)2.25
Maximum Repayment Period (year)30
Penalty Period (Year)3
Cash Rebate (%)0.80
Plan1) Over 1M , P-2.7% - P-3.0% (cash rebate 0.3% - 0.8%), 3 years of penalty period.
Tel2828 8000
Public Bank (Hong Kong)Prime Rate (P)5.25
Real Interest Rate (%)2.40
Maximum Repayment Period (year)30
Penalty Period (Year)3
Cash Rebate (%)1.00
Plan1) Over 1M P-2.85%,(cash rebate 1%), 3 years of penalty period.
Tel8107 0818
mReferral Mortgage Brokerage ServicesPrime Rate (P)5.25
Real Interest Rate (%)2.15
Maximum Repayment Period (year)30
Penalty Period (Year)3
Cash Rebate (%)Negotiable
Plan1) Whole period H+1.75%. Max P-2.9%.
2) Flat rate 2.1% for first 36 months, afterall, P-3%.
3) Whole period P-3%.
Tel3196 6666
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Above information is for reference only. Please contact the bank for details rate.

P= Prime Rate, H = Hong Kong Interbank Offer Rate

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