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    Fixed Rate Mortgage Plan

    About Fixed Rate Mortgage Plan

    Looking for a stable mortgage repayment plan for your property purchasing? Our Fixed Rate Mortgage brings you peace of mind with predictable monthly repayments by locking your interest rate during fixed rate period, making your financial planning easier.

    Interest rate
    2.73% p.a. for first 3 years

    Calculate mortgage amount

    Key Benefits

    Enjoy a fixed interest rate during the 3 years fixed period, ensuring your repayment amount is unaffected from rate fluctuations

    Fixed monthly repayment amount makes your budgeting easier

    Flexible financing for every homebuyer

    Maximise the overall value of your mortgage plan

    Are you eligible?

    Eligibility

    • The application period is from 2 Mar to 31 May 2026 and you must drawdown the loan on or before 31 Dec 2026.
    • The plan is applicable only to primary and secondary market sale and purchase transactions, and refinancing loans[1].
    • Not applicable to specific properties such as non-residential properties, standalone carpark, bridging loan, and all subsidized housing schemes[2] of Hong Kong Housing Authority / Hong Kong Housing Society / Hospital Authority / Urban Renewal Authority / other Governmental Organizations.
    • The plan is subject to a quota and offered on a first-come-first-served basis.
    • The plan is not eligible for the Mortgage-Link Loan Scheme.
    • Change of terms of the loan during the fixed rate period will not be allowed and any requests for changes will incur handling fees thereafter.
    • The Bank reserves the right to vary, modify or terminate the offerings of Fixed Rate Mortgage, and the terms and conditions from time to time without prior notice. In case of disputes, the Bank’s decision shall be final and binding.

    Useful links

    Need more help?

    Call us (Mortgage Hotline)

    (852) 2710 2288

    Visit our Mortgage Centres

    Find your nearest Mortgage Centre

    Visit our branches

    Find your nearest branch

    Footnote

    Remark(s)

    1. Refinancing includes re-mortgage and transfer mortgage under the plan, while further advance on the existing mortgage loan cannot entitle to the Offer.
    2. For details of the subsidized housing schemes, please contact our Mortgage Enquiry Hotline at 2710 2288.

    To borrow or not to borrow? Borrow only if you can repay!