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General Mortgage Loan

Whether you are buying a new property or arranging refinance on your mortgaged property, we will customise the right package for you.

Residential Mortgage Loan

  • Tailor-made for customers who buy properties in the primary market or secondary market. The loan is also available for mortgage transfer or refinancing.
  • Loan amounts up to 70% of appraised property value or up to 90% under "Mortgage Insurance Program"
  • Repayment terms up to 30 years

Home Ownership Scheme Loan

  • Specially designed for customers under the Home Ownership Scheme. This loan is available for both primary and secondary market.
  • Loan amounts up to 95%
  • Repayment terms up to 25 years

Tenant Purchase Scheme Loan

  • Available to buyers under the Tenant Purchase Scheme
  • Loan amounts up to 100%#
  • Repayment terms up to 25 years

#Exclude the Intention Money paid to Hong Kong Housing Authority

Wise Mortgage

  • Mortgage with offer of preferential deposit (Please click here for more details)


  • Preferential interest rates
  • Credit Card Spending rebate
  • Credit card annual fee waived within repayment period

Flexible Repayment Options

You can choose the repayment method either "Fixed Tenor" or "Fixed Repayment Amount". Apart from monthly instalment, you can also select bi-weekly instalment to reduce interest expenses.

Simple Application

Just bring the following supporting documents to our branches for application.

  • Provisional sale and purchase agreement
  • Identity Proof
  • Income proof, including:
  • latest tax demand note
  • payroll statement/passbook for the last 3 months
  • Residential proof (e.g. utility bill)

If you have registered our Personal Internet Banking, you can also apply online instantly.

Reminders about Responsible Borrowing
- Customer should have a clear understanding of his/her financial condition, daily expenses, and actual borrowing needs.
- Customer should assess his/her repayment ability and avoid over-borrowing.
- Customer should repay any outstanding balance on time to avoid late payment charges and additional overdue/overlimit interest charged by the Bank.
- To borrow or not to borrow? Borrow only if you can repay!

For further information regarding to our appointed loan referral agent list, please contact our customer service hotline at 218 95588.