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Get an extra cash rebate by successfully drawdown for a Mortgage Online  
Use our Home Loan Calculator and Check our Home Loan Offer
Get an extra cash rebate by successfully drawdown for a Mortgage Online  
Use our Home Loan Calculator and Check our Home Loan Offer

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.

Start your search with our Home Loan Calculator

HKD  
  years

Your Mortgage Offer

(EXAMPLE OF INDICATIVE VALUES GENERATED BASED ON YOUR INPUTS)
Effective rate for the first year
0 p.a.
Monthly installment 0  
IMPORTANT NOTICE:
  1. The mortgage interest rate quoted is based on 1-month HIBOR 2.007%; 3-month HIBOR 2.288%; HKD Prime Rate 5.375% according to Citibank (Hong Kong) Limited’s records as of Sep 18, 2019.
  2. The mortgage interest rate for HIBOR Deposit-Linked (1-month) is “1-month HIBOR + 1.4%” (i.e. 3.407% but capped at 2.625%); HIBOR Deposit-Linked (3-month) is “3-month HIBOR + 1.4%” (i.e. 3.688% but capped at 2.625%); and for Prime Deposit-Linked is “HKD Prime Rate P-2.75%” (i.e.2.625%).
  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 0.0125% 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.
  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 and repayments start from January 1st.
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