Types of Mortgages

Home Ownership Scheme (“HOS”) loan Features

For HOS owners who have not paid up the land price

No income proof required

Loan amount up to HK$1500,000

No penalty for early repayment

Up to 120 repayments

No handling fee, legal and valuation fee

Personal loan offers flexible repayment tenors from 6 months up to 120 months with annualized percentage rate ranging from as low as 18% to maximum 20%.

* If monthly interest is calculated and based on a loan amount of HK$10,000 with a annualized percentage rate of 18%, repayment period of 6 months with a monthly instalment of HK$1,765.00. The total interest of the loan is HK$530.00.