Standard Chartered Bank's Comprehensive Guide to Affordable Mortgages in Hong Kong

Welcome to Standard Chartered Bank's comprehensive guide for mortgage loans. Our selection of mortgage plans includes Deposit Linked Mortgage Plan, Mortgage Insurance Programme, and Mortgage $aver, designed to facilitate your journey towards property ownership.

Deposit Linked Mortgage

You can apply for our innovative Deposit Linked Mortgage plan which offers a deposit cap of up to 60 for the first three years upon approval. This feature provides you with flexible cash flow management as you have control over your mortgage deposit account and withdraw earned interest anytime.

Enjoy cost savings without additional expenses:

• Free Features: No arrangement fee or annual fee when signing up for this plan.

Approval may take longer deping on specific circumstances including any required supplementary documents, or unique situations. Public holidays are not counted in the timeline.

Mortgage Insurance Programme

First-time home buyers can leverage our Mortgage Insurance Programme to secure a property priced at HK$30,000,000 or less with financing up to 90 of its value.

Key Points:

• Property Price Limit: Limited to HK$30,000,000.

• Eligible Property Types: Self-use private residential properties under personal ownership are considered.

Mortgage $aver

Elevate your interest earnings, reduce mortgage expenses, and enjoy flexible access with our Mortgage $aver plan. Plus, protection through Deposit Protection Scheme for added security.

Key Features:

• Maximizes Interest Earnings

• Reduces Mortgage Expenses

• Flexible Access to Funds

• Deposit Protection

Additional Mortgage Plans

Explore more options like HIBOR Mortgage Plan for lower interest when the HIBOR rate is low, Prime-based Mortgage Plan for stable rates, MortgageOne for reducing your mortgage expenses by up to 50, and Refinancing for lowering payments, faster loan payoff, debt consolidation, or unlocking funds.

Discover exclusive banking benefits with Home BonusPack, secure a reverse mortgage with or without life insurance policy collateral through our Reverse Mortgage Programme Policy Reverse Mortgage Programme respectively. For a more rewarding experience, consider the Mortgage Asia Miles Reward plan that earns up to 80,000 Asia Miles on HKD4,000,000 loan drawdown.

Mortgage Tools for Guidance

Take advantage of our free Property Valuation tool and Mortgage Calculator for a quick estimate on your borrowing capacity and monthly repayments.

FAQ Support

Visit our Help Centre to access the latest FAQs, forms, and other resources. Should you have any questions or need further guidance, please click 'here' to navigate through our comprehensive guide.

that the approval process may vary due to different circumstances like additional document requests, unique situations, and third-party professional reviews. Our team is dedicated to providing a seamless experience, should you require any assistance, feel free to contact us at 852 2886-8863.

Explore our terms and conditions for detled information on the mortgage plans offered by Standard Chartered Bank Hong Kong Limited.

Let's work together towards achieving your homeownership goals.
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