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3 Reasons You Should Pick MoneySmart

Diverse Plans

We provide various types of mortgage plans. There's always one for you.

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We understand time is very important for you!
You're more than welcome to chat with us directly via Whatsapp!

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Exclusive MoneySmart Welcome Offer

From today till 31 May 2019, any successful referral case via MoneySmart will get an extra cash rebate up to HK$3,000*

Get Free Rates Now

Best Mortgage Deals

Loan-to-Value Ratio Up To

90%

Cash rebate Up To

1.95%

Best Rates for HIBOR

Annual Percentage Rate

2.375%

Updated as of January 2019

Loan-to-Value Ratio Up To

90%

Cash rebate Up To

2.0%

Best Prime Rate Plan for HOS

Annual Percentage Rate

2.375%

Loan-to-Value Ratio Up To

80%

Cash rebate Up To

1.8%

Mortgage w/out Tax Demand Note

Annual Percentage Rate

2.45%

Loan-to-Value Ratio Up To

60%

Cash rebate Up To

0%

Mortgage for HOS w/out Premium Paid

Annual Percentage Rate

2.50%

Our Mortgage Specialists analyze different mortgage plans for you.

Professional Anaysis

Our mortgage specialists give you response in a flash once you give us sufficient information!

Fast and Simple

Cris Ng

Head of Mortgage

Chia Luck Sin

Mortgage Team Lead

Jeremy Chua

Mortgage Specialist

Daniel Ng

Mortgage Specialist

Waiting for banks' feedbacks take the longest weeks in life - we understand well. It struggles for weeks and sometime banks won’t even call you back. If you are rejected - you don’t even have much time to find another mortgage loan. How to make your time more efficient in seeking and applying mortgage plan process? 

Our Mortgage Specialists Are Here for You Anytime

The Best Mortgage Plans Hong Kong 2019

From now until May 31, 2019, any successful Referral Case (New buying / Refinancing) via MoneySmart will get an Extra Cash Rebate up to HK$3,000! Compare the best mortgage plans now!

Get the Best Deals

Finding the best mortgage based on HIBOR or Prime Rates? Interest rates, valuations, terms of years, mortgage insurance... Roadblock no more with MoneySmart Mortgage Comparison!

New buying

Get the Best Deals

If your current rate is 2.375% or above, it’s time to look for a better home loan rate. Plus, you can get an up to 2% cash rebate for refinancing.

Refinancing

Mortgage FAQ

Can't wait to sign the P&S contract?
Hold on! Let's consider the things below before paying your first phase:

What are the offers and service provided by banks other than mortgage plans?

A. Understand the maximum loan-to-value ratio for a mortgage

Under the regulations of Hong Kong government and HKMA, the ceiling of a mortgage is based on the vaule of the property, ranging from 90% to 50%. The vaule of first-hand property is set by developers; and the second-hand is set by valuations. You'll need to apply for different mortgage plans based on your financial status. You may also need a guarantor to apply for a mortgage. 

Banks will check your credit record and credit score. After examinating your credit cards and other loans, they will decide your loan amount and interest rate etc.

B. Get your credit score report

"P plan" means the mortgage plans that are based on Prime rate, depending on different banks.

 "H plan" means the plans that are based on the Hong Kong Interbank Offered Rate (HIBOR). It's an adjusted interest rate of the bank system, and usually measures on a monthly basis.

 Both of the rates will change over time, which means that the interest rate of your mortgage plan will never be fixed.

C. Floating interest rate mortgage (H plan/P plan)

Through the evaluation of banks, property owners can make another mortgage loan so as to pick a better plan or cash in as liquidity to make a new investment.

F. Transfer of mortgage / further charge

These mortgage loans offered by the major real estate developers and its financial companies aren't under the regulations of HKMA. That's why they can give you a more relaxed ratio, but they may double the banks' interest rates.

E. First and second mortgage from property developers

D. Mortgage insurance

If your property is vauled under 6 milion and its loan-to-value ratio is over 60%, you'll need to apply to "mortgage insurance companies" for your mortgage insurance.

Some H plan customers can make a certain amount of deposit into their bank-provided "Mortgage Link" accounts. After making the deposit, the customers can earn an interest rate that is the same as their mortgage plans charging. This offsets their interest expenses or their increased contributions after an interest hike.

2. Mortgage Link: Deposit-linked mortgage account  

These mortgage loans offered by the major real estate developers and its financial companies aren't under the regulations of HKMA. That's why they can give you a more relaxed ratio, but they may double the banks' interest rates.

1. Cash rebates

Credit Cards

Insurance

Loans

Blog

中文

Best Mortgage Deal in 2018

Chat on Whatsapp

Mortgage FAQ

The Best Mortgage Plans Hong Kong 2019

From now until May 31, 2019, any successful Referral Case (New buying / Refinancing) via MoneySmart will get an Extra Cash Rebate up to HK$3,000! Compare the best mortgage plans now!

Finding the best mortgage based on HIBOR or Prime Rates? Interest rates, valuations, terms of years, mortgage insurance... Roadblock no more with MoneySmart Mortgage Comparison!

Refinancing

If your current rate is 2.375% or above, it’s time to look for a better home loan rate. Plus, you can get an up to 2% cash rebate for refinancing.

Best Mortgage Deals

L.T.V Ratio
Up To

90%

Cash rebate
Up To

1.95%

Best Rates for HIBOR

Annual Pct.
Rate

2.375%

Updated as of January 2019

Best Prime Rate Plan for HOS

90%

L.T.V Ratio
Up To

Cash rebate
Up To

2.0%

Annual Pct.
Rate

2.375%

MTG. w/out Tax Demand Note

Annual Pct.
Rate

Cash rebate
Up To

L.T.V Ratio
Up To

80%

1.8%

2.45%

MTG. for HOS w/out Premium Paid

Annual Pct.
Rate

Cash rebate
Up To

L.T.V Ratio
Up To

60%

0%

2.50%

3 Reasons You Should Pick MoneySmart

Diverse Plans

We provide various types of mortgage plans. There's always one for you

Professional Anaysis

Our Mortgage Specialists analyze different mortgage plans for you

Fast and Simple

Our mortgage specialists give you response in a flash once you give us sufficient information!

Mortgage FAQ

Can't wait to sign the P&S contract?
Hold on! Let's consider the things below before paying your first phase:

A. Understand the maximum loan-to-value ratio for a mortgage

Under the regulations of the Hong Kong government and HKMA, the ceiling of a mortgage is based on the value of the property, ranging from 90% to 50%. The value of a first-hand property is set by developers; and the second-hand is set by valuations. You'll need to apply for different mortgage plans based on your financial status. You may also need a guarantor to apply for a mortgage.

C. Floating interest rate mortgage (H plan / P plan)

"P plan" means the mortgage plans that are based on Prime rate, depending on different banks.

"H plan" means the plans that are based on the Hong Kong Interbank Offered Rate (HIBOR). It's an adjusted interest rate of the bank system, and usually measures on a monthly basis.

Both of the rates will change over time, which means that the interest rate of your mortgage plan will never be fixed.

B. Get your credit score report

Banks will check your credit record and credit score. After examinating your credit cards and other loans, they will decide your loan amount and interest rate etc.

Expand for more INFO

What are the offers and service provided by banks other than mortgage plans?

D. Mortgage insurance

If your property is vauled under 6 examining and its loan-to-value ratio is over 60%, you'll need to apply to "mortgage insurance companies" for your mortgage insurance.

E. First and second mortgage from property developers

These mortgage loans offered by the major real estate developers and its financial companies aren't under the regulations of HKMA. That's why they can give you a more relaxed ratio, but they may double the banks' interest rates.。

F. Transfer of mortgage / further charge

Through the evaluation of banks, property owners can make another mortgage loan so as to pick a better plan or cash in as liquidity to make a new investment.

1. Cash rebates

These mortgage loans offered by the major real estate developers and its financial companies aren't under the regulations of HKMA. That's why they can give you a more relaxed ratio, but they may double the banks' interest rates.

2. Mortgage Link: Deposit-linked mortgage account  

Some H plan customers can make a certain amount of deposit into their bank-provided "Mortgage Link" accounts. After making the deposit, the customers can earn an interest rate that is the same as their mortgage plans charging. This offsets their interest expenses or their increased contributions after an interest hike.

Successful Referral Case via MoneySmart will get an extra cash rebate up to HK$3,000*

Get Free Rates Now