Preferential Mortgage Plan


  • Loan amount up to 90%1 of the purchase price or valuation price (whichever is lower)
  • Repayment term up to 30 years

Key Facts Statement for General Home Mortgage

Preferential Terms
Mortgage Plan
1.  Prime Rate Base Mortgage Plan*
2.  HIBOR Rate Base Mortgage Plan**
3.  Combine Interest Rate Mortgage Plan

*Prime rate refers to the HKD best lending rate from time to time quoted by our Bank, subject to fluctuations.

** HIBOR Base refers to Interbank Rate from time to time quoted by our Bank, subject to fluctuations.

Notes :
  1. If the applied loan amount exceeds 60% of the purchase price or valuation price (whichever is lower), customers are required to apply for a mortgage insurance cover. Application for Mortgage Insurance Programme is subject to the final approval of the Hong Kong Mortgage Corporation Limited. For the corresponding premium, please click here for details.
  2. Cash rebate for a mortgage loan under the Mortgage Insurance Programme is calculated based on 60% of the purchase price or valuation price (whichever is lower).
Other Privileges:
  • Free fire insurance coverage for one year (limited to fire insurance arranged through our Bank; but not applicable to the followings):
    • Non-residential property, tenement buildings, village houses, or any property aged over 50 years;
    • Property loan for refinance purpose or for investment purpose;
    • Property covered by master policy insurance;
    • Mortgage plan with prepayment penalty period one year or below;
    • Property covered by fire insurance arranged by our bank not starting from loan drawdown date.

      Fire insurance coverage would be cancelled after property has been redeemed

  • Annual fee waiver of Wing Lung Bank credit card during the mortgage period.
  • 30% discount on Family Package Insurance Premium.
  • Waiver of valuation fee.

We also offer tailored mortgage plans for properties for investment purposes, aged buildings, village houses/ units, tenement buildings and non-residential properties at preferential interest rate.

For details, please call 230 95555

The above preferential mortgage plans are for reference only. Mortgage terms are subject to our Bank's final approval. We reserve the right to revise the above terms as and when necessary without prior notice.

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

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