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"Mortgage-Link" Account



Enjoy a preferential savings interest rate(1) that is equal to the mortgage loan interest rate, giving you much higher interest returns which helps you to offset mortgage interest expenses.
Loan amount of up to 95% of appraised property value(2)
Use your Integrated Account to enjoy the preferential HKD savings interest rate and all-in-one wealth management services.
Flexible mortgage and savings accounts combinations (e.g. you can open up to two savings accounts for each preferential rate mortgage loan) to suit your different financial needs.
Separate mortgage and savings accounts for easier management of your income and expenses.
Free to deposit or withdraw cash from the savings account at any time. Interest on the savings account balance is calculated on a daily basis.
No application fee or annual fee on "Mortgage-Link" Account.

Example of "Mortgage-Link" Account and Conventional Mortgage Plan Comparison
“Mortgage-Link” Account Calculator


We also offer you a series of special privileges for our comprehensive banking services(3):
 Service
 Privileges
Integrated Account Monthly fee waiver during mortgage loan tenor(4)
Fire Protection Plan
First year premium waiver(5)
Home Care Plan
Six-month premium waiver(6)
Credit Card
Annual fee waiver during mortgage loan tenor

(1) Preferential interest rate is only applicable to Statement Savings Account or Hong Kong Dollar ("HKD") Savings Account of Integrated Account (including Prestige Banking, Preferred Banking and "Integrated Account"). Customer entitled to enjoy the preferential interest rate only after successful drawdown of the mortgage loan.The deposit amount applicable for the preferential interest rate is limited to a maximum of 50% of the outstanding mortgage loan principal ("Available Threshold"). The Available Threshold is subject to adjustment according to the outstanding mortgage loan principal. Deposit exceeding the Available Threshold is subject to a Tier Savings Deposit Rate as quoted by the Bank from time to time according to the total credit balance of the Statement Savings Account or Integrated Account's HKD Savings Account.
(2) If your mortgage loan amount exceeds 70% of the appraised property value, you will have to apply for the Hang Seng "Top Up" Mortgage or "Mortgage Insurance Programme" Loan. "Mortgage-Link" Account is not applicable to the second mortgage of "Top Up" Mortgage.
(3) The privileges are subject to such requirements and terms and conditions as prescribed by Hang Seng Bank Limited. Please contact our staff for details.
(4) To enjoy the monthly fee waiver for Integrated Account, customer must designate his/her Integrated Account's HKD Savings Account to enjoy the "Mortgage-Link" preferential savings rate and as the repayment direct debit account during the entire tenor period of his/her mortgage loan and must also maintain a monthly average Total Relationship Balance ("TRB") in his/her Integrated Account of not less than the required minimum amount (the required minimum monthly average TRB for Integrated Account of Prestige Banking, Preferred Banking and "Integrated Account" are HKD500,000, HKD50,000 and HKD10,000 respectively). For related details on the promotion offer and its terms and conditions, please contact Hang Seng Bank staff.
(5) Only applicable to fire protection plan insured with Hang Seng General Insurance (Hong Kong) Company Limited.
(6) Offers cannot be used in conjunction with other promotion offers and only applicable to properties accepted by Hang Seng General Insurance (Hong Kong) Company Limited and for Home Care Plan (Plan A) offered by Hang Seng General Insurance (Hong Kong) Company Limited.

The above information is for reference only. Please contact our staff for full details of the related terms and conditions.

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Reference Rates

Hang Seng's HKD Prime Rate
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