Join Citigold and drawdown a mortgage loan to enjoy up to HK$42,100 rewards1

Citibank Mortgage offer

According to Citi Property Survey about the residential property ownership in Hong Kong in response to the withdrawal of all property cooling measures, the survey found that over 70% of the affluent individuals surveyed express a greater interest in home ownership, and 50% think it is now a better time to buy a property. Among the home-owner respondents in the affluent segment, 62% express a greater interest in changing to a new property. Compared to the general respondents, those in the affluent segment are more interested in buying a property as an investment (46%), followed by support to their children (34%) and a source of rental income (25%).

Among all the property cooling measures that have been lifted, the respondents in the affluent segment are most aware of the removal of the Special Stamp Duty (SSD, 65%) and Buyer’s Stamp Duty (BSD, 61%). Of those who express a greater interest in home ownership in the affluent segment, 42% cite the removal of SSD as one of the reasons for their increased interest in buying a property, followed by the easing of loan-to-value ratios for residential properties (41%) and the removal of BSD (36%).

Do you have any interest in home ownership after the rollback of property cooling measures? Citi offers a range of mortgage solutions, and you can get an online preliminary assessment result# via our Online Mortgage Application Platform! Drawdown a mortgage loan and join Citigold to enjoy extra welcome offer!

Affluent individuals are defined as those with liquid assets of HKD 1.5 million or above

More promotions for Mortgages

Citigold Welcome Offer

New Customer:

● Join Citigold and drawdown a mortgage loan to enjoy up to HK$42,100 rewards1

Existing Customer:

● Upgrade to Citigold get up to HK$14,800 cash rebate2

● Refer your friends to drawdown a mortgage loan3 and open a Citigold or Citigold Private Client account4 can enjoy a referral cash rebate of up to HK$7,088 and HK$13,888 respectively.

90% Mortgage

Greatly reduces your down payment burden. You only need to pay 10% of property value to make your home owning a reality!


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Mortgage Application Hotline: (852) 2963 6489 a
aMortgage Hotline service hours: Monday to Friday 9:00am - 6:00pm

Terms & Conditions:Terms & Conditions:

  • #All applications, final decision and the final approved loan terms are subject to the bank's discretion including but not limited to terms and conditions, documentation verification and completion, satisfactory credit verification results by the bank and completion of the valuation and legal requisitions (where applicable) and other relevant checks in the application process.
  • 1.Citigold Welcome Offer Terms and Conditions:
  • 2.Citigold Upgrade Offer Terms and Conditions:
  • 3. Citibank Mortgage Member-Get-Member Referral Terms and Conditions
    • ● The Member-get-Member Program is applicable to any mortgage loan application submitted from Jan 1, 2024 to Dec 31, 2024 (both dates inclusive) and the mortgage loan is successfully drawn down in Citibank. To be eligible for the Cash Reward, the Referee must fill in a referral form and submit to us at loan application.
    • ● The Referee’s applied mortgage loan must beHK$2,000,000 or above. Any existing loan top-up or staff loan is not eligible for this program. The applied loan amount is subjected to the decision made by Citibank (Hong Kong) Limited.
    • ● The referrer will enjoy $2,000 cash rewards for referrals with Referee’s applied loan amount of HK$2,000,000 or above and less than HK$5,000,000. The referrer will enjoy HK$5,000 cash rewards for referrals with Referee’s applied loan amount of HK$5,000,000 or above. The maximum cash rewards for each referrer at each case of successful referral is HK$5,000.
    • ● If the applicant or referrer has received any cash rebates, the bank has to take into account the cash rebates and the final loan amount may be deducted.
    • ● The Referrer must be a holder of a Citibank banking account. The referee cannot be the same person as the Referrer. The Referrer must not be a borrower, a mortgagor or a guarantor of the applicable mortgage application.
    • ● The Cash Reward will be credited to the Citibank banking account held by the Referrer within 3 months of the loan drawdown of the applicable mortgage loan. The Referrer should have a valid Citibank Saving / Checking account at the time when the Cash Reward is credited.
    • ● This program is not applicable to U.S. persons.
    • ● This program is not applicable to Referrers and Referees who are a resident individual of the European Union, European Economic Area (EEA) or any other jurisdictions where referral activity is restricted, at the time of referral or fulfilment of the conditions under this program. Please consult a bank representative for details.
    • ● This program will not be available in conjunction with any other mortgage member-get-member program. The Referee is not entitled to the Cash Reward if the referee’s mortgage application has already been referred by other referral program.
    • ● Self referral is not accepted. Any Citibank staff is eligible for this program but (a) they should not be eligible for any other incentive programs relating to other mortgage referrals, and (b) any sales representatives who may have mortgage incentive shall not be eligible. Staff to staff referral arrangement will not be considered.
    • ● Citibank reserves the right to vary or cancel this program and/ or amend any of these Terms and Conditions at anytime without prior notice. All matters and disputes will be subject to the final decision of Citibank.
    • ● The English version of these Terms and Conditions shall prevail wherever there is a discrepancy between the English and the Chinese versions.
  • 4.Banking Account Client Referral Offer Terms and Conditions: