Mortgage Loan Plans

Additional cash rebate for new homeowners

A house key
  • Citibank provides tailor-made mortgage solutions to fulfill your home financial needs. You can select from a suite of home mortgage loan plans that offer the most affordable interest rates with easy repayment options.

  • Citibank also offers various mortgage tools that will let you streamline your home financial requirements and mortgage-related needs in a better way. For example, you can use the Hong Kong mortgage calculator to estimate your monthly payments for the mortgage loan and value your property in Hong Kong by Citi online valuation tool, our experts assess mortgage affordability and offer a recommended solution. You can even check out market updates for your property investments to stay up-to-date with necessary info.
  • Now you can enjoy cash rebate and waivers on the 1st year fire insurance fee and the valuation fee upon successful Online Application!
  • Choose your Right Mortgage Solutions

    • Wide variety of Hong Kong mortgage options that best fit your needs
    • Property refinance - enjoy saving on interest payment and cash rebate
    • Up to 90% Mortgage - make your home owning a reality

    DETAILS

    Online Application

    DETAILS      Online Application

    Citibank offers a diverse range of mortgage plans. Check them below:

    HIBOR Deposit-Linked Mortgage Home Smart Mortgage
    Prime Deposit-Linked Mortgage Mortgage Further Advance / Property Refinancing
    HIBOR Mortgage Overseas Mortgage
    Prime-Based Mortgage 90% Mortgage

    Mortgage Tools

    Online Property Valuation

    • Online Property Valuation Up-to-date market and mortgage information
    • Get the approx. value instantly upon entering the desired property details for free

    DETAILS

    Online Application

    DETAILS      Online Application

    Mortgage Calculator

    • Enter the plan, loan amount and your desired loan duration period
    • Use Hong Kong Mortgage Calculator to quick estimate of your monthly payment and interest expense
    • Get the approximate monthly payment results instantly.

    DETAILS

    Online Application

    DETAILS      Online Application

    Mortgage Promotions

    • Enjoy additional cash rebate for Online Application of new purchase and home refinance
    • Get fabulous cash rewards from our Mortgage Member-get-Member Promotion Program.
    • Get mortgages of up to 90% of property value to reduce your down payment burden with interest-saving solutions

    DETAILS

    Online Application

    DETAILS      Online Application

    Mortgage Learn and Help

    • Get more knowledge about home mortgage loans
    • Access tips and tricks to make informed home loan decisions
    • Check the FAQs to solve your queries and doubts

    DETAILS

    Online Application

    DETAILS      Online Application

    Property Market Information

    • Latest news and market updates for your property investments
    • Make a well-informed decision before finalising your property

    DETAILS

    Online Application

    DETAILS      Online Application

    FAQs

    A mortgage loan is a type of secured loan that an individual can apply to purchase a home or property. Once the loan is approved by the financial institution, the individual must repay it during the loan repayment duration.

    Many home mortgages in Hong Kong are either based on our Hong Kong Dollar Prime Rate (P) or Hong Kong Interbank Offered Rate (HIBOR).

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

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

    • Sign the confirmation letter with mortgage
    • Send instruction letter to the corresponding solicitor firm to prepare mortgage deeds

    After the solicitor firm signs the necessary contracts, it will notify the bank. Once that is done, the mortgaged amount will be passed by the bank to the seller's solicitor firm to complete the transaction.

    The customer will also be provided with a copy of the repayment schedule.

    The following are examples of documents required by the bank for a mortgage application:
    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 the Mortgage Insurance Program.

    Remarks: 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.

    You can click “online enquiry”, visit any Citibank branch or browse this website for more information.

    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!

    Remarks:Remarks:

    • Mortgage Application Hotline: (852) 2963 6489 a
    • a
      Mortgage hotlines service hours: Monday to Friday 9:00am - 6:00pm
    • *
      Our Mortgage Sales Manager will respond to enquiries within the next business day (excluding Saturdays, Sundays and Public Holidays).