Grow wealth while lowering interest expenses.

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What is Prime Deposit-Linked Mortgage?

Matching your deposit and mortgage interest rates is the link to building wealth faster. Upon successful drawdown of your mortgage, we will offer you a Deposit Account with an annual interest rate the same as that of your mortgage.

Citibank Prime Deposit-Linked Mortgage Plan Features & Benefits

Welcome Offers
  • Enjoy HK$500 in cash rebate for online application
  • Up to 1% cash rebate, Free fire insurance for the 1st year
  • Bundled with a Prime-Based Mortgage plan
  • Deposit interest rate linked to your mortgage interest rate
  • Enjoy high interest rates as well as the flexibility to withdraw cash at any time
  • A plan for clients with a savings target
How To Apply

How to apply for Prime Deposit-Linked Mortgage?

If you wish to apply for a Prime Deposit-Linked Mortgage by Citibank, you must follow the steps mentioned right below:

  • 1. Submit online enquiry form and our mortgage sales manager will contact and follow up with you regarding your enquiry.
  • 2. Complete mortgage application form and submit the required documents to start with mortgage application process.
  • 3. Once your application is received, Bank will arrange for a valuation of the property you intend to buy.
  • 4. Bank will process your application based on the valuation result, your mortgage application form and submitted documents.

If the bank approved your mortgage, then it will proceed with the following:

  • Sign the confirmation letter of Loan Application with you
  • Inform the corresponding solicitor firm to prepare mortgage related documents

You sign the mortgage related documents, the solicitor firm will notify the bank to complete the transaction.

Required Documents:

If applying in the name of an individual:

  • HKID or passport of borrower and guarantor (if applicable)
  • Temporary Sales Agreement (for new purchase)
  • Latest repayment schedule or latest 3 months' mortgage repayment record (for refinance)
  • Latest 3 months' payroll record shown on bank passbook or statement
  • Latest tax demand note/ latest tax return / employment letter

If applying in the name of a shell company*:

  • HKID or passport of personally guaranteed shareholder
  • Temporary Sales Agreement (for new purchase)
  • Latest repayment schedule or latest 3 months' mortgage repayment record (for refinance)
  • Business Registration / Certificate of Incorporate
  • List of Directors / Records documenting the transfer of shares
  • Documents showing share distribution
Applications in the name of a shell company are not accepted under Mortgage Insurance Program.

The documents listed above are for reference only. Citibank has the right to request additional documents depending on the information provided by each application. Please contact Citibank for details.

Act Now

Get expert advice to address mortgage enquiry in just one business day!*

Online Application

To borrow or not to borrow? Borrow only if you can repay!


  • Mortgage Application Hotline: (852) 2963 6489 a
  • a
    Mortgage hotlines service hours: Monday to Friday 9:00am - 6:00pm
  • +
    A deposit amount of less than, or equal to, 50% of the outstanding loan balance can be maintained.
  • Δ
    First year fire insurance waiver is subject to the decision of Citibank (Hong Kong) Limited.
  • *
    Our Mortgage Sales Manager will respond to enquiries within the next business day (excluding Saturdays, Sundays and Public Holidays).

Terms and Conditions:Terms and Conditions:

  • The Mortgage Loan interest and the Call Deposit Account interest for the Deposit-Linked Mortgage account are both calculated on the basis of Citibank (Hong Kong) Limited's Prime Lending Rate.
  • The preferential savings rate will become effective two days after the drawdown date of the Prime Deposit-Linked Mortgage, providing: a. Only one Citibank Currency Manager Call Deposit Account is opened in the name of Borrower / Co-borrower(s') / company and b. A deposit amount (under the above account) of less than, or equal to, 50% of the outstanding loan balance is maintained. Any deposit amount exceeding this limit will be calculated on the basis of Citibank (Hong Kong) Limited's normal call deposit rate.
  • Actual interest rate, repayment period and interest expense are depending on customer's existing loan details and Citibank's final approval of loan amount and interest rate. Please contact Citibank for details.
  • The sum of money, interest expenses and repayment period in all the examples are rounded to the nearest unit. Quoted savings rates and money amounts are limited to unit place.
  • Citibank (Hong Kong) Limited reserves the right to amend the terms and conditions of the above mortgage plans without prior notice.
  • Citibank (Hong Kong) Limited reserves the right of the final approval of all loan applications. For further details of terms and conditions applying to any mortgage plans, please contact Citibank.
  • In the event of any discrepancy between the English and Chinese versions of this leaflet, the English version shall prevail.