MORTGAGE PLANS

Various mortgage options that best fit your needs

Various mortgage options that best fit your needs

Citi provides various mortgage solutions that suit your financial needs. Compare our mortgage options to find the best fit.

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!*

Choose your right mortgage solutions

HIBOR
Deposit-
Linked
Mortgage


DETAILS

Prime
Deposit-
Linked
Mortgage


DETAILS

HIBOR Mortgage



DETAILS

Prime-Based Mortgage



DETAILS

Fixed Rate Mortgage



DETAILS

Home Smart Mortgage



DETAILS

Mortgage Further Advance / Property Refinancing

DETAILS

Your Objectives/ Needs
  • Want to have flexible financial planning
  • Have regular savings
  • Can afford to take rate and repayment amount fluctuations

  • Prefer to have more stable repayment plan
  • Want to have a more stable repayment plan
  • Have idle cash to put into the home smart account
  • Want to shorten repayment period
  • Turn property value increase into greater cash flow
Benefits
  • Earn higher deposit rate with lower mortgage rate during low interest rate environment
  • Earn higher deposit rate than normal
  • Take advantage of market interest rate movements
  • More stable repayment period and lowers the risks of interest rate fluctuations in the short term
  • A stable and lower interest rate in the first one year during periods of rising interest rates
  • Save interest expense and shorten loan repayment period
  • Save on interest payment; enjoy cash rebates and other offers
*We also provide 90% Mortgage plan.  DETAILS
HIBOR Deposit-Linked Mortgage

DETAILS

Your Objectives/ Needs ﹕
Want to have flexible financial planning


  • Earn higher deposit rate with lower mortgage rate during low interest rate environment
Prime Deposit-Linked Mortgage

DETAILS

Your Objectives/ Needs ﹕
Have regular savings


  • Earn higher deposit rate than normal
HIBOR Mortgage

DETAILS

Your Objectives/ Needs﹕
Can afford to take rate and repayment amount fluctuations


  • Take advantage of market interest rate movements
Prime-Based Mortgage

DETAILS

Your Objectives/ Needs﹕
Prefer to have more stable repayment plan


  • A stable and lower interest rate in the first three years during periods of rising interest rates
Fixed Rate Mortgage

DETAILS

Your Objectives/ Needs﹕
Want to have a more stable repayment plan


  • A stable and lower interest rate in the first one year during periods of rising interest rates
Home Smart Mortgage

DETAILS

Your Objectives/ Needs﹕
Have idle cash to put into the home smart account; Want to shorten repayment period


  • Save interest expense and shorten loan repayment period
Mortgage Further Advance / Property Refinancing

DETAILS

Your Objectives/ Needs﹕
Turn property value increase into greater cash flow ;


  • Save on interest payment; enjoy cash rebates and other offers
* We also provide 90% Mortgage plan. DETAILS
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
  • *
    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:

Terms and Conditions for the $ 500 reward for online application promotion

  • Promotion period is from now till Dec 31, 2018.
  • Customer must fulfill the below requirement to be applicable for the reward:
    • Complete our Mortgage Enquiry Form via "Online Enquiry" in Citibank online page and
    • Submit a mortgage application with full sets of relevant required documents provided to the Bank.
  • The offer is applicable to mortgages for private residential property, but not applicable to the commercial properties and industrial properties.
  • The loan amount applied must be HK$1,000,000 or above. For top up case, the loan amount is referred to the top up loan amount in addition to the existing mortgage loan amount.
  • Customer will be eligible for $500 cash coupon for each mortgage application which fulfills the requirement as mentioned above. Customer is entitled to this reward upon mortgage loan approval, regardless of accepting the loans offers or not.
  • The cash coupons are non-transferable and non-exchangeable for cash, credit or any other items. Terms and Conditions apply to the use of cash coupons, for details, please refer to the overleaf of the cash coupons. Citibank makes no representation or guarantee as to the quality of the goods and/ or services provided by the merchants. Citibank shall bear no responsibility or liability whatsoever with regards to any matters arising from or in connection with the goods and/or services provided by the merchants. Any disputes or complaint in respects of the good and/ or services should be directed to the merchants.
  • The cash coupons will be collected by customer from our staff upon loan confirmation documents signing or individual appointment made after application processed with offers.
  • This promotion is not applicable to U.S. persons.
  • 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.
  • Customer cannot apply the mortgage loan through other referral source or already submitted mortgage application by other channel to Citibank.
  • Citibank reserves the right to vary or cancel the promotion and/ or amend these Terms and Conditions at anytime without prior notice. All matters and disputes will be subject to the final decision of Citibank.
  • 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, the English version shall prevail.