HOME SMART MORTGAGE

Save on interest and own home faster.

Save on interest and own home faster.

For a Citibank Home Smart Mortgage, you can deposit your monthly salary, savings and even bonuses as extra repayment. You will benefit from lower interests cost and a shortened loan repayment period.

Citibank Home Smart Mortgage Plan Features & Benefits

  • Bundled with a Prime-Based Mortgage plan
  • Allows you to deposit or withdraw an extra repayment amount as often as you want
  • Extra repayment is deducted from the outstanding principal to lower your interest expense and shorten the loan tenor at any time
  • Key Facts Statement (KFS) for Mortgage Loan
  • Bundled with a Prime-Based Mortgage plan
  • Allows you to deposit or withdraw an extra repayment amount as often as you want
  • Extra repayment is deducted from the outstanding principal to lower your interest expense and shorten the loan tenor at any time
  • Key Facts Statement (KFS) for Mortgage Loan
Welcome Offers
  • Enjoy HK$500 in cash coupons for online application
  • Drawdown offer: Up to 1% cash rebate; Free fire insurance for the 1st yearΔ
Benefits
  • Bundled with a Prime-Based Mortgage plan
  • Allows you to deposit or withdraw an extra repayment amount as often as you want
  • Extra repayment is deducted from the outstanding principal to lower your interest expense
  • No penalty for early repayment, meaning you can shorten the loan tenor at any time
  • A flexible plan for clients to make use of idle cash
How To Apply

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

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
  • Property Valuation & Enquiry. Free Property Valuation, provide you up-to-market information.
  • Prime-Based Mortgage Plan. The best interest rate offer just for you.

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
  • 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:

  • Citibank Home Smart is a fixed installment account. Should interest rates change, the loan tenor will be lengthened or shortened automatically. Citibank (Hong Kong) Limited reserves the right to make all final decisions relating to this account.
  • Upon successful application, a checking account will be opened in conjunction with the mortgage account. Should the application subsequently be cancelled, this checking account will automatically be terminated.
  • An upper limit on the extra loan repayment amount will apply to the Citibank Home Smart account. For further details on the terms and conditions of Citibank Home Smart, please contact Citibank.
  • Home Smart Account is not a protected deposit account and is not protected by the Deposit Protection Scheme in Hong Kong.
  • 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.