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Mortgage Loans for Government Housing Schemes

 
Government Home Ownership Scheme
Up to 95% of loan amount of the purchase price
Repayment period of up to 25 years
No fee on full redemption

Tenant Purchase Scheme
The loan amount of up to 100% of the appraised property value# with repayment period of up to 25 years
No prepayment handling fee or full redemption fee
# Excluding the deposit / Intention Money paid to the Hong Kong Housing Authority.

Urban Renewal Home Bridging Loan
Loan amount of up to 90% of the remaining sale proceeds from the URA and HS, with a minimum loan amount of HKD200,000.
Loan tenor of up to one year or until the remaining sale proceeds are received, whichever is earlier.
Only interest repayment is required during the loan tenor. The principal shall be repaid in one lump sum upon loan maturity.

We also offer you a series of special privileges for our comprehensive banking services(1):
 Service
 Privileges
Fire Protection Plan
 First year premium waiver(2)
Home Care Plan
 Six-month premium waiver(3)
Credit Card
 Annual fee waiver during mortgage loan tenor

(1) The privileges are subject to such requirements and terms and conditions as prescribed by Hang Seng Bank Limited. Please contact our staff for details.
(2) Only applicable to fire protection plan insured with Hang Seng General Insurance (Hong Kong) Company Limited.
(3) 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
Hang Seng Interbank Offered Rate


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2710 2288
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