PRIME DEPOSIT-LINKED MORTGAGE

Grow wealth while lowering interest expenses.

Grow wealth while lowering interest expenses.

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 coupons for online application
  • Up to 1% cash rebate, Free fire insurance for the 1st year
Benefits
  • 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

To apply for a mortgage, you will need to prepare the followings:

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

Mortgage Hotline
(852) 2963 6489a

Get expert mortgage advice
in just one business day!*

Mortgage Hotline
(852) 2963 6489a

Get expert mortgage advice
in just one business day!*

Mortgage Hotline
(852) 2963 6489a

Get expert mortgage advice in just one business day!*

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

Remarks:Remarks:

  • a
    Mortgage hotlines service hours: Monday to Friday 9:00am - 7:00pm
  • +
    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.