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HIBOR-based Mortgage

Get a mortgage interest rate that closely tracks the movements of the money market.

Reduce your borrowing costs when the HIBOR rate is low

With a HIBOR-based mortgage, your interest rate tracks the Hong Kong Interbank Offered Rate[@mortgage-hibor]. You'll benefit from the extra protection of an interest rate cap. 

Key benefits

Reduced borrowing costs

You could benefit from reduced borrowing costs when the HIBOR is low

A capped interest rate

The interest you pay is capped based on our Best Lending Rate[@mortgage-blr]

Applying is simple

Get personalised and professional advice from our mortgage specialists

Mortgage tools and resources

Learn all about mortgages and how to confidently prepare for home ownership
Assess affordability and how much you should set as your budget for buying a home, instantly—plus, see how much you can save with a Deposit-linked Mortgage
Estimate the current value of any flat in major estates in Hong Kong with our simple address-based tool
Download the forms and documents for our mortgage products

How to apply

Meet with us

You can book an appointment to meet a mortgage specialist in person at a designated branch.

Call us

Give us a call to get your application started. Lines are open 9:00am to 8:00pm, Mondays to Fridays, and 9:00am to 5:00pm on Saturdays, except public holidays.

Application hotline:

(852) 2748 8080

Frequently Asked Questions

Explore other mortgage products

Check out and compare our mortgage products to find the right one for you.
We offer a range of loan types to meet your unique financing needs
Get your mortgage secured 1 year before property completion, and borrow up to 100% of the property purchase price
Better manage your cash flow with loans to cover a variety of expenses


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