We offer you a 3-in-1 financial package: Business Mortgage-Link, which includes Mortgage, Deposits and Trade Finance Services. You can now get attractive interest returns while fulfilling your trading needs.  
       
Earn Attractive Interest Returns  
 
You can earn credit interest in your IBS Savings Account at the same rate as your mortgage1 during the mortgage period.
To give you maximum flexibility, you can link up to three mortgage loans to your IBS Account 2 and get high returns from your total savings.
 
       
  Flexible Trade Finance Facilities  
   
Facilitate your trading business with a trade line up to 200% of your pledged savings 3.
Enjoy a preferential interest rate as low as Prime4.
 
   
 

Apply online and you will get cash rebate5 and
$100 Commercial Card Cash Dollars6 upon approval7!
 
   
Terms and Conditions:
1. The IBS Savings Account offers a preferential interest rate for an amount of up to 50% of the mortgage loan outstanding principal. The cap will be adjusted according to the mortgage loan outstanding principal. Hang Seng Bank (“the Bank”) standard savings rate will be applied on savings deposits exceeding the cap.
2. If more than one mortgage loan is linked to the IBS Account, the preferential savings rates will be applied in the same descending order as the mortgage rates. Preferential savings rate(s) for the IBS Savings Account will be terminated upon payment default of any one of the mortgage loan(s). The minimum mortgage loan size is HKD1,000,000 and it is subject to standard mortgage fees and charges.
3. The maximum trade line is HKD5,000,000 and it is subject to standard trade facility service charges.
4. Prime rate refers to the Hong Kong Dollar Prime Lending Rate as quoted by the Bank from time to time.
5. Successful applicants for a mortgage loan under Business Mortgage-Link will receive Cash Rebate up to 0.2% on Loan Amount upon loan drawdown. The offer is limited to residential property type only. The Bank will credit the amount to the designated mortgage instalment direct debit account.
6. Only applicable to customers who hold a Hang Seng Commercial Card. If a customer spends or makes cash advances within 2 months after the loan drawdown, $100Cash Dollars will be credited to the Commercial Card account being used to make the first spending or cash advances by the company within eight to 10 weeks after the posting date of relevant spending transaction.
7. Loan approval is entirely at the discretion of the Bank. The Bank reserves the right to adjust any interest rates, fees, charges, special offers and other terms and conditions from time to time.