1. (1) e-Mortgage 24-hour initial approval service is only applicable to customers who make an appointment with mortgage consultants online. Our mortgage consultant will contact you within 24 hours (only on business days, excluding Saturdays, Sundays and public holidays) upon receipt of all required application documents (including but not limit to identification document, income proof and the preliminary or formal sale & purchase agreement (if applicable)) and provide an initial reply, for your reference only, on the approval result according to the information provided. The final approval of the mortgage application is subject to the final decision of Hang Seng Bank Limited (“Hang Seng”). Hang Seng has the absolute discretion to reject any application or approve a mortgage loan of a lesser amount than the one applied for without giving any reasons.
2. (2) Terms and conditions for Mortgage cash rebate:
   • Mortgage cash rebate is only applicable to customers with mortgage drawdown loan amount HKD1,000,000 or above which is approved by Hang Seng.
   • The final mortgage cash rebate amount is subject to the customer’s financial situation, repayment ability and loan amount. All mortgage cash rebates will be credited to customer’s designated mortgage repayment account after loan drawdown. For details, please contact Hang Seng staff.
3. (3) Upon successful drawdown of mortgage loan in Hang Seng (except Industrial / Commercial Property), customers can enjoy perpetual annual fee waiver for one Hang Seng Credit Card (except The Hong Kong Jockey Club Membership Card, Hang Seng Prestige World MasterCard, Hang Seng enJoy Card, Hang Seng CUP Credit Card and Hang Seng Renminbi Credit Card) during mortgage period. If customers hold more than one Hang Seng Credit Card, the perpetual annual fee waiver will be applicable to one of the credit cards with the highest annual fee (including Platinum Card, if applicable) only but will not be applicable to Hang Seng Visa Infinite Card, World MasterCard, Business Card, Commercial Card, USD Visa Gold Card and Private Label Card. All annual fees paid prior to accepting this offer will not be refunded.
4. (4) Terms and Conditions for Mortgage Loan customers to enjoy the offer of Prestige Banking Integrated Account “First year monthly fee waiver”:
   
   
   • This offer is applicable to customers who have successfully approved the specified mortgage loan amount and signed the Letter of Offer within the promotion period from 1 January 2025 to 31 March 2025 (“Promotion Period”) and satisfy the requirements set out in the terms and conditions below (“Eligible Customer”).
   • Eligible Customers have to open a Prestige Banking Integrated Account; or upgrade the existing Integrated Account to Prestige Banking in the Promotion Period and designate such account as mortgage repayment account (sole or joint name account) to enjoy the first year monthly fee waiver (i.e. no Total Relationship Balance requirement in the first year. The current Total Relationship Balance requirement is HKD 1,000,000 for Prestige Banking Integrated Account). The monthly fee waiver period starts from the month of account opening/ account status upgrade.
   Eligible Customer does not include:
   • Current sole or joint name account holder(s) of Prestige Banking Integrated Account
   • Customers who previously held any sole-named or joint-named Prestige Banking Integrated Account with Hang Seng within 12 months from the month in which the account was opened/upgraded
   • Any customers’ account is terminated at anytime

   Mortgage Loan Amount	Integrated Account account status	Promotional offer
   HKD4,000,000 or above	Prestige Banking	First Year Monthly Fee Waiver

   Note: Starting from the second year, customers need to maintain a specified Total Relationship Balance to enjoy the monthly fee waiver of the Prestige Banking Integrated Account.

   
   
   • The Total Relationship Balance is the monthly aggregate balance of the daily average of all deposits, gold accounts, securities, investment funds, utilized overdraft facilities, credit cards cash advances, outstanding balance of personal loans and accumulated premiums paid for the designated life insurance plans distributed by Hang Seng as an agent as well as Hang Seng MPF balance. For sole name integrated account holders, their other joint name account(s) will also be included.
   • This offer is applicable to all types of property mortgage loan application, including new mortgage loan, transfer mortgage, re-mortgage and further charge. Each mortgage loan application is entitled to the first year monthly fee waiver offer once.
5. (5) Applicants who fulfilled the following criteria are eligible for mortgage loans with maximum 90% loan-to-value ratio (“LTV”) (base on the lower of purchase price / valuation of the property): (i) all mortgagors not holding any residential properties in Hong Kong at the time of application; and (ii) all applicants being regular salaried persons; while the maximum LTV of this plan is generally 80%. The loan amount is subject to the final approval of Hang Seng.

General Terms and Conditions of the above offers:

• The mortgage loan terms and loan amount are subject to the guidelines from Hong Kong Monetary Authority and the final approval of Hang Seng.
  
• Each mortgage application can only enjoy the Offer once. Unless otherwise specified, the Offer cannot be used in conjunction with other mortgage offers provided by Hang Seng.
• No person other than the customer and Hang Seng (which includes its successors and assigns) will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provisions of these terms and conditions.
• These terms and conditions are subject to prevailing regulatory requirements.
• These terms and conditions shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.
• Hang Seng reserves the right to suspend, revise or terminate the above offer and amend the above terms and conditions at any time. In case of any disputes, the decision of Hang Seng shall be final. For details of the offer, please contact our branch staff.
• In case of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.