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A man assessing his home mortgage

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

 
Take the mortgage application in 3 steps.
Take 10 minutes to complete the online application form
Get preliminary approval if eligible and our Mortgage Sales Manager will contact you within 1 business day to follow up your application
Complete the mortgage application process

Citibank Mortgage Loan Benefits

  • Save on interest payments by earnig the same interest rate you pay on your mortgage
  • With a cap limit to esnure a greater rate protection in case of fluctuations
  • Manage your funds by deposit or withdrawal at anytime
  • Offer flexibility to choose 1 month & 3 month HIBOR

Citibank Mortgage Loan Benefits

  • Take advantage of market interest rate movement to capture a lower mortgage rate
  • With a cap limit to esnure a greater rate protection in case of fluctuations
  • Offer flexibility to choose 1 month & 3 month HIBOR

Citibank Mortgage Loan Benefits

  • Save on interest payments by earnig the same interest rate you pay on your mortgage
  • With a cap limit to esnure a greater rate protection in case of fluctuations
  • Manage your funds by deposit or withdrawal at anytime
  • Offer flexibility to choose 1 month & 3 month HIBOR

Citibank Mortgage Loan Benefits

  • Take advantage of market interest rate movement to capture a lower mortgage rate
  • With a cap limit to esnure a greater rate protection in case of fluctuations
  • Offer flexibility to choose 1 month & 3 month HIBOR

Citibank Mortgage Loan Benefits

  • Save on interest payments by earnig the same interest rate you pay on your mortgage
  • Manage your funds by deposit or withdrawal at anytime
  • Interest rate and mortgage installments stay relatively stable

Citibank Mortgage Loan Benefits

  • Interest rate and mortgage installments stay relatively stablet
  • Lower the risks of interest rate fluctuations in the short term

Our mortgage experts are here for you. Contact a mortgage specialist.

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.

Looking to start a business, study abroad or repay debts? Try Citibank's Further Advance on mortgage / Property Refinancing service to convert the value of your mortgaged property into cash.  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

HKD  
  years

Interest earned is only available for deposit linked mortgage plans.

0

Your Mortgage Offer

(EXAMPLE OF INDICATIVE VALUES GENERATED BASED ON YOUR INPUTS)
Effective Rate for the first year
0 p.a. 
Monthly Instalment0 
The above mortgage offer is for illustration purpose only and is calculated on the following assumptions and basis.
  1. The mortgage interest rate quoted is based on 1-month HIBOR 4.530%; 3-month HIBOR 4.354% HKD Prime Rate 5.500% according to Citibank (Hong Kong) Limited’s records as of Dec 23, 2024.
  2. The mortgage interest rate for HIBOR Deposit-Linked (1-month) is “1-month HIBOR + 1.5%” (i.e. 6.030% and capped at 3.500%); HIBOR Deposit-Linked (3-month) is “3-month HIBOR + 1.5%” (i.e. 5.854% and capped at 3.500% ); and for Prime Deposit-Linked is “HKD Prime Rate P-2.0%” (i.e.3.500%).
  3. 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：
  1. 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.
  2. 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.
  3. 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.li>
  4. 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).
  5. Interests are calculated on a monthly basis throughout the mortgage loan tenor and repayments start from January 1st.

To borrow or not to borrow? Borrow only if you can repay!
Get exciting welcome offer by successfully drawdown for a Mortgage Online.  Online Application
Get exciting welcome offer by successfully drawdown for a Mortgage Online.  Online Application

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