Get an extra cash rebate by successfully drawdown for a Mortgage Online

Get an extra cash rebate by successfully drawdown for a Mortgage Online

Use this online mortgage repayment calculators to assess your monthly interest and mortgage installement. For more information or a more accurate assessment, please call our hotline or use the online form below.

Mortgage Calculator

New Property

Refinance My Property

Mortgage Plan

HKD

Loan Amount

Loan Duration

years

Your Mortgage Offer

(EXAMPLE OF INDICATIVE VALUES GENERATED BASED ON YOUR INPUTS)

Effective Rate for the first year

0 p.a.

Monthly Instalment

The above mortgage offer is for illustration purpose only and is calculated on the following assumptions and basis.

The mortgage interest rate quoted is based on 1-month HIBOR 5.250%; 3-month HIBOR 5.284% HKD Prime Rate 6.125% according to Citibank (Hong Kong) Limited’s records as of Jul 31, 2023.
The mortgage interest rate for HIBOR Deposit-Linked (1-month) is “1-month HIBOR + 1.5%” (i.e. 6.750% and capped at 3.625%); HIBOR Deposit-Linked (3-month) is “3-month HIBOR + 1.5%” (i.e. 6.784% and capped at 3.625%); and for Prime Deposit-Linked is “HKD Prime Rate P-2.5%” (i.e.3.625%).
The above illustration does not take into account any fees or any interest rate change. The loan terms and interest rates used under the illustration are for simulation purpose and reference only. The actual loan terms and interest rates will be subject to change at the Bank’s discretion.

The Deposit-Linked illustration shown above assumes that:

The effective rate for the first year is calculated on the basis of net mortgage interest expenses by deducting “Deposit-Linked” interest rate from mortgage interest rate in the first year tenor.
Deposit-Linked interest rate is the same as the mortgage interest rate, whereas the maximum amount of the HKD call deposit that is eligible to the Deposit-Linked interest rate is 50% of the mortgage loan outstanding balance.
The HKD savings interest rate 0.001% p.a. is applied to the amount of the HKD call deposit which exceeds the maximum amount of 50% of the mortgage loan outstanding balance.
The HK call deposit in the Deposit-linked account is maintained throughout the life of the mortgage loan account without withdrawal (i.e. from drawdown until the mortgage loan is fully repaid).
Interests are calculated on a monthly basis throughout the mortgage loan tenor and repayments start from January 1st.

Get an extra cash rebate by successfully drawdown for a Mortgage Online.

Or take the mortgage application in 3 steps.

Get Your Preliminary Approval

My Income

HKD

Monthly Fixed Income

My Existing Loans Repayments

HKD

Monthly Minimum Repayment for Credit Card(s)

My Details

First Name

Last Name

Date Of Birth

Mobile Number

Email Address

Nationality

ID Type

HKID Number

Flat

Floor

Block

Building

Street

District

Joint applicant?

Have you got a property in mind?

Property Usage

HKD

Property Price / Property Value

Flat

Floor

Block

Building

Street

District

I confirm that I have read, understood and agreed to the "Policy Statement relating to the Personal Data (Privacy) Ordinance".
By clicking the “Submit” button below, I confirm, agree and accept that:
1)   I wish to apply for the mortgage plan that I have selected above, and I understand that Citibank (Hong Kong) Limited (the "Bank") will review my application and provide a preliminary approval based on the information that I declared above.
2)   Any terms under the preliminary approval of your application provided by Citibank Mortgage Sales Manager, will be for reference only. The final terms such as loan amount, interest rate, handling fee and loan tenor etc. will be subject to the Bank’s final approval. The Bank reserves the right to amend or cancel any pre-approved terms at its absolute discretion.
3)   With respect to this application form and this webpage, in case of any discrepancy between the English and Chinese versions, the English version shall prevail.

Please authorise so we can process your loan request.