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Our HIBOR-linked mortgage plan provides you with greater financial flexibility by offering extensive range of fixed rate period and interest rate protection. |
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| Competitive Mortgage rate with choice of fixed rate period |
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Unlike traditional mortgage plans that are based on Prime Lending Rate, HIBOR-linked mortgage plan uses the Hong Kong Interbank Offered Rate (HIBOR) as its basis which follows closely the interest rate market trend and customer can choose 1-month, 3-month, 6-month or 12-month fixing period according to the trends. Each of the fixed rate periods has a different corresponding HIBOR and the interest rate will be fixed and will not be influenced by any interest rate fluctuation.
Through the selection of different rate fixing period, you can be protected against interest rate fluctuation while fixed a longer period in a rising interest rate trend or enjoy lower interest rate while fixed a shorter period when interest rate predict to be volatile or moving in a download trend.
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| Extra interest rate protection |
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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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| Comprehensive Mortgage Terms |
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Mortgage loan amount can be up to 90% of our appraised value1 |
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Repayment periods can be up to 30 years |
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Eligible for properties under individual name |
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| Exclusive Privileges |
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Credit card annual fee waiver during the repayment periods |
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Special privileges to those insure Wing Hang Homeowner Security Plan, Wing Hang PrimaHome Insurance Plan and Fire Building Structure Insurance |
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Free property valuation service |
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| Act Now |
| Simply visit any of our branches for application or call our enquiry hotline at 2815 9919. |
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| Notes |
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Loan amount of over 70% is available for application under HKMC's Mortgage Insurance Program. Eligible loan should be owner-occupied property under individual name. Customers will be required to pay mortgage insurance premium which can be borrowed along with mortgage loan in one lump sum. |
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The bank reserves the final discretion in approving the mortgage loan application and the right to alter the above privileges, terms and conditions without prior notice. |
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