With someone you can trust for life

Understanding that home-building can be one of the most important decisions in your life, China Construction Bank (Asia) is here to help. Our Mortgage products give you the choice you need on loan amount, interest rates and repayment arrangements, and we are always happy to provide you with solutions that best fit your financial requirements. As your trusted banking partner, we offer the following Mortgage options:

HIBOR Mortgage Loan
HIBOR Mortgage Loan is an alternative plan designed to help you capture interest rate movements.

  • More able to capture interest rate movements

    • HIBOR, or the Hong Kong Inter-Bank Offered Rate, is a money market benchmark with daily-adjusted interest rates. By linking your mortgage interest rate to HIBOR, your interest will be recalculated daily. Hence, your mortgage interest can better reflect the interest rate movements of the market.

    To protect you from paying high interest due to a drastic increase in HIBOR, the maximum interest rate of our HIBOR Mortgage Loan is capped and there is no minimum interest rate. Hence, our HIBOR Mortgage Loan may save you interest.

  • Switch-back option

    • You can switch back to a conventional Prime-based mortgage loan before or after drawing down the loan, giving you greater flexibility.

  • Quarterly reviews

    • To ensure your mortgage loan repayment schedule reflects market interest rate movements, we review your HIBOR mortgage loan's installment amount or number of installments on a quarterly basis.
Flexi Mortgage
Flexi Mortgage's unique features give you total control over your loan with financial flexibility when you need it. Not available elsewhere in the market, you can determine the monthly repayment amount, your loan tenor and interest amount according to your financial plans. Let your mortgage loan be part of your lifestyle! Check it out now!

Home Mortgage Loan
Let us help you plan your mortgage arrangements with our Home Mortgage Loan. We are happy to offer preferential mortgage loan rate with cash rebate offer.

You will also enjoy the following benefits as our mortgage customer:
  • Secure a loan amount of up to 90% of the property value through our Mortgage Insurance Program, or 70% for a standard mortgage loan.
  • Repayment period up to 25 years
  • Choices of monthly repayments by Fixed Tenor or Fixed Instalment


Learn more about your mortgage
Use our complimentary valuation service by completing a Request for valuation. Our staff will contact you shortly on the most current valuation of your property value. To figure out repayment amounts based on our preferential rates, simply refer to our Monthly Repayment Table for complete interest rates and repayment figures.


Easy applications
Application procedure is simple. Please apply now by calling our Bank By Phone at 2805 2383 or visiting any of our Branches.