As a Hong Kong listed company (Stock Code: 1669), GICL (Global International Credit Group Limited) provides low-interest property mortgages characterized by cost-effectiveness and borrowing flexibility. Our services include first mortgages, second mortgages, and refinancing, helping you unlock liquidity from various property types. This guide explains the features, definitions, interest calculation methods, LTV ratios, and rebates of GICL's low-interest mortgages, along with a comprehensive mortgage comparison and a mortgage calculator。
No Property Age Limit :Accepts older tenement buildings and village houses.
Long Repayment Period: Up to 240 installments (20 years) to significantly reduce monthly repayment pressure.
Large Cash-out Amounts: Loan amounts for a single property can exceed HK$100 million.
Waiver of Miscellaneous Fees: No handling, legal, or valuation fees (Subject to terms and conditions
No Early Repayment Penalty: More flexible than banks, which often lock clients into 2-3 year penalty periods.
Rapid Approval：Same-day preliminary approval; drawdown as fast as the next working day.
Apply now and let GICL secure a tailored, preferential mortgage solution for you!
When comparing mortgages, it is crucial to understand the interest rate mechanisms. Most Hong Kong banks offer "H-rate" or "P-rate" plans:
H-rate Meaning: Based on the Hong Kong Interbank Offered Rate. Rates fluctuate with market liquidity—dropping quickly during cuts but remaining volatile.
P-rate Meaning: Based on the Prime Rate minus a fixed percentage. These rates are generally more stable but slower to decrease.
2026年市況參考：香港多家主要銀行實際封頂利率約為 3.875% – 4.125%，具體按揭利息和回贈依個別申請及銀行當時推廣而有所不同。了解加按成數後，可參考繼續閱讀物業套現與樓宇加按全攻略 2026
GICL Solution：
If you fail bank stress tests, GICL offers low-interest plans starting from 8% with no stress test or income proof required. Use our Mortgage Calculator for an initial assessment.
GICL accepts a wide array of properties, including ／private housing, tenements, premium-paid HOS/public housing, village houses, industrial buildings, shops, offices, parking spaces, and land plots—with no age limit.
According to the latest HKMA guidelines, the bank LTV cap is now 70% (regardless of usage).
First-time buyers can reach 90% LTV via mortgage insurance but must pay premiums and strictly self-occupy.
GICL Advantage: LTV ratios up to 80% with significantly lower approval thresholds than banks.
Within the government guarantee period, unpaid HOS can secure up to 95% LTV. Post-guarantee, banks typically cap refinancing at 70%. GICL Solution： We offer a specialized HOS Owner Personal Loan. Preliminary approval as fast as 5 hours, loan amounts up to $1.5M, no stress test, and no need to pledge title deeds.
| Comparison Item | Tenement Building (Tong Lau) Mortgage | Village House Mortgage |
| Bank Mortgage Loan-to-Value (LTV) Ratio | Up to 90% (inclusive of mortgage insurance), but typically only 60% to 70% is approved. | Up to 85% (inclusive of mortgage insurance), but typically only 50% to 60% is approved. |
| Common Approval Difficulties | High property age, or regulatory violations such as unauthorized building works/subdivided flats. | Ownership issues (e.g., unclear right of way), extremely conservative valuations. |
| Bank Repayment Period | Due to the high property age (usually calculated as "75 minus property age"), the loan tenor is shorter. | Relatively flexible; some banks may offer up to "55 minus property age". |
*If your application for these properties is rejected by banks, GICL offers solutions with no property age limit.
Banks often lure customers with "Cash Rebates." However, HKMA rules state that if a rebate exceeds 1%, it must be deducted from the loan amount, meaning you cannot pocket the cash directly.
nstead of rebates that reduce your loan principal, choose GICL’s direct waivers. We waive legal, valuation, and handling fees (subject to terms), saving you tens of thousands in upfront costs and providing more immediate liquidity.
Yes. Owners can freely sell the mortgaged property at any time without prior consent from GICL. The law firm will settle the outstanding loan upon completion and return the balance to you.
Simple. Fill out the online form, or contact us via WhatsApp/WeChat/Hotline. A specialist will provide a preliminary approval and valuation; documents are only required after you accept the terms.
We offer a free preliminary property valuation service. Please fill out the form below and we will get back to you as soon as possible.
