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How you can save with a Deposit-linked Mortgage
This example shows how you can save 39% in interest expenses with a Deposit-linked Mortgage compared to a standard mortgage plan. We'll assume:
- a loan amount of HKD2 million with a repayment period of 20 years
- a savings interest rate of 1.89% p.a. with the Deposit-linked mortgage, compared to 0.01% p.a. with a regular savings account
- a mortgage interest rate of 1.89%
- a monthly mortgage instalment of HKD10,014
- a lump sum deposit amount of HKD500,000
With a standard mortgage plan, the interest you'll pay over your entire loan tenor would be:
HKD403,348 (net mortgage interest payment) − HKD100 (savings interest return at 0.01% p.a.) = HKD403,248 (net interest expense)
With a Deposit-linked Mortgage, the interest you'll pay over the same period would be:
HKD403,348 (net mortgage interest payment) − HKD157,397 (savings interest return at 1.89% p.a.) = HKD245,951 (net interest expense)
Figures shown above are for reference only and assume a HIBOR-based mortgage drawn on 1 May 2016. Please contact us for details.
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