RESIDENTIAL PROPERTY
MORTGAGE LOAN

Your dream home is within reach

Please read the:

Why you will love this

Enjoy competitive interest rates plus cash rebates

Enjoy a flexible repayment period of up to 30 years

Guided by our Mortgage Sales every step of the way

Have us contact you

With our Residential Property Mortgage Loan, we make home ownership simple - whether you're buying your first home, upgrading, or refinancing.

BENEFITS

Flexible mortgage plans

Select from our flexible home loan packages and finance up to 70% of your property's value or the purchase price, whenever is lower. We will help you find your perfect match.

Select from our flexible home loan packages and finance up to 70% of your property's value or the purchase price, whenever is lower. We will help you find your perfect match.

Simple application process

Get expert guidance from our Mortgage Sales. We have personalised advice for your situation, with simple paperwork and clear explanations.

Get expert guidance from our Mortgage Sales. We have personalised advice for your situation, with simple paperwork and clear explanations.

FIND YOUR PERFECT MORTGAGE MATCH

Let us help you choose the right Residential Property Mortgage Loan package for your dream home.

Understanding Your Mortgage Rates

  • Prime Lending Rate
  • HIBOR-linked Interest Rate
Prime Lending Rate
HIBOR-linked Interest Rate

Prime Lending Rate

HIBOR-linked Interest Rate
Prime Lending Rate HIBOR-linked Interest Rate
Prime Lending Rates Differ
Each bank sets their own Prime Lending Rate
Prime rate is relatively more stable than HIBOR, subject to the influence of market interest rate trends
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This changes daily as banks lend to each other, so your repayments may vary each month

Hong Kong Interbank Offered Rate
Your interest rate will be capped on a committed ceiling rate with reference to Prime Lending rate, which provides you with an extra protection. The selected HIBOR-linked mortgage rate and committed ceiling rate will be compared automatically at the interest rate fixing date and the lower rate will be used as your mortgage rate
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PRIME LENDING RATES

View the prime lending rates.

YOUR SIMPLE MORTGAGE JOURNEY

Calculate your needs

Step 1

Calculate your needs

Use our Mortgage Calculator to estimate your ideal loan amount and all purchase expenses.

Calculate now

Get expert Help

Step 2

Get expert Help

Our Mortgage Sales will recommend the best loan package for you and guide you through the application. You may handle all paperwork at ease.

Fast approval process

Step 3

Fast approval process

If approved, we will send your offer letter and your Mortgage Sales will explain everything to you.

Review & Accept

Step 4

Review & Accept

When your offer arrives, please read through the terms and conditions carefully. Accept the offer to own your dream home.
MORTGAGE CALCULATOR

1. Estimate Your Monthly Repayment

Calculate the total repayment for your mortgage loan.

HKD 0
HKD 0
0 %
0 %
5 years
30 years
Bi-weekly
Monthly

Instalment amount

HKD 0

Total repayment
(Principal + Interest)

HKD 0

Total interest payable

HKD 0

Remarks:

  • The repayment calculations are based on the information entered by the customer and are for reference only. The actual repayment liability depends on the actual terms of each borrowing arrangement.
  • Please refer to Key Fact Statement for historical change of interest rate.
See all repayments

Remarks:

  • The repayment calculations are based on the information entered by the customer and are for reference only. The actual repayment liability depends on the actual terms of each borrowing arrangement.

2. Estimate Purchase Expenses

Calculate the budget you will need for your property purchase with our calculator.

Down-Payment

$ 0.00

Estimated Property Purchase Expenses

$ 0.00

*Figures are approximations and for illustrative purposes only

ADDITIONAL INFORMATION

Additional information

  1. The above information is for reference only. Please read the relevant terms and conditions or contact our staff for details. OCBC Bank (Hong Kong) Limited (the “Bank”) reserves the final discretion in approving the mortgage loan application and the right to alter the above privileges, interest rates, terms and conditions at any time and from time to time without prior notice or consent of any customers. The Bank’s decision and interpretation on all matters concerning mortgage facility terms shall be final, conclusive and binding on all customers. The final terms are subject to the offer letter.
  2. The Hong Kong Interbank Offered Rate (HIBOR) may move up or down, and customers should pay attention to the risk caused by the fluctuation of the HIBOR.
  3. If there is any discrepancy between the English and the Chinese versions of these important notes, the English version shall prevail.
  4. For information regarding our list of appointed loan referral agents, please contact our hotline at 2921 6682.

Payment Arrangement for Property Transactions (PAPT)

Additional Payment Arrangement for Property Transactions (PAPT for Refinancing)

Payment Arrangement for Property Transactions (PAPT for S&P)

REMINDER

To borrow or not to borrow? Borrow only if you can repay!

HOW TO APPLY

Have us help you get started on your home loan.

Have us contact you

or call us at (852) 2921 6682.

FREQUENTLY ASKED QUESTIONS
Common questions
What interest rates do you offer?

We provide flexible Residential Property Mortgage Loan packages with competitive rates. Here are the current rates available.

How much can I borrow?

Up to 70% of property value or purchase price (whichever is lower) for applicants with no existing home loans. Final amount depends on loan duration, LTV ratio and your income and expenses.

Considering refinancing? We can help you save on interest too.

Can I get a loan with a low credit score?

Your credit history affects approval, but we consider your income, existing debts and overall financial situation.

Reach out to our Mortgage Sales to secure a housing loan and guide you through the process.

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