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Customised Repayment Plan


The loan amount of up to 95% of the appraised property value(1).
The instalment amount can be freely determined by you to suit your financial needs(2) (taking into account your salary, rental income and daily expenses, etc). The customised repayment amount can be as low as the interest amount.
You can determine your "Customised Repayment Period" for up to three years.


We also offer you a series of special privileges for our comprehensive banking services(3):
 Service
 Privileges
Fire Protection Plan
 First year premium waiver(4)
Home Care Plan
 Six-month premium waiver(5)
Credit Card
 Annual fee waiver during mortgage loan tenor

(1) For mortgage loan amount exceeding 70% of the appraised property value, the customer must apply for a "Top Up" Mortgage or "Mortgage Insurance Programme" Loan. Customised Repayment Plan is not applicable to the second mortgage of "Top Up" Mortgage.
(2) The repayment instalment amount under the Customised Repayment Plan can be more than or less than the instalment amount under a conventional mortgage plan, but cannot be less than the interest payable per instalment.
(3) The privileges are subject to such requirements and terms and conditions as prescribed by Hang Seng Bank Limited. Please contact our staff for details.
(4) Only applicable to fire protection plan insured with Hang Seng General Insurance (Hong Kong) Company Limited.
(5) 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


Useful Information

First time home buyer
Home buying process
Home Buying Tips

Existing mortgage customers
Change mortgage loan terms / make partial repayment
Request/ photocopy of documents


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2710 2288
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