Value-Added Mortgage

Save on interest by linking up
your mortgage and checking account

Enquiry

Key Facts Statement (KFS)
PAPT leaflet (refinancing situation)
PAPT Leaflet

  • Enjoy an interest rate the same as your mortgage-rate

  • With Value-Added Mortgage, your checking account is linked to your mortgage account

  • Enjoy a preferential account rate equivalent to that of the mortgage loan

  • Interest will be accrued daily based on the account balance*

  • Apply up to 50% of the outstanding principal amount of the mortgage loan

  • Save on interest

  • When your finances allow:

  • You may deposit money to your mortgage-linked checking account, earning high deposit interest to offset interest expenses in your Value-Added Mortgage

  • At times when you need cash:

  • You can withdraw up to 100% of your deposit from the mortgage-linked checking account with no handling fee

  • Flexible repayment options to accommodate your funding needs

  • Repayments can be made on bi-weekly basis (only applicable for Prime-based mortgage plan) where you can shorten your repayment period and reduce mortgage interest expenses

  • Other Privileges

  • Waiver of the Low Balance Account Monthly Maintenance Fee and ATM annual fee on the mortgage-linked checking account during the mortgage period


  • Mortgage customer is entitled to below balance requirement discount for Packaged Banking Service, please join now to enjoy exclusive rewards and attentive services. To learn more about our Packaged Banking Service, please click here for details.

    Discount on Daily Average Combined Balance of Packaged Banking Service* :
    Packaged Banking Service Original Mortgage
    Loan Amount    		 Daily Average
    Combined Balance    		 Discounted Daily Average
    Combined Balance
    PREMIER BANKING HKD2,000,000 or above HKD1,000,000 or equivalent HKD500,000 or equivalent
    Customers who have successfully drawn down a mortgage loan of HKD 2,000,000 or above and maintain a daily average combined balance of HKD 500,000 or equivalent are eligible to, apply for an upgrade to Premier Banking Service.

    * The Bank reserves the right to cancel or revise the Packaged Banking Service Privileges from time to time. If mortgage loan is terminated, customer is required to maintain the standard Daily Average Combined Balance of Packaged Banking Service as set out by the Bank from time to time.

    • If the Customer's Daily Average Combined Balance with the Bank falls below the Required Minimum Amount for 3 consecutive calendar months, the Customer shall pay such maintenance fee as the Bank may determine starting from the fourth calendar month.

    Terms and Conditions apply
    Enquiry Hotline
    +852 3918 6655     Visit Our Branches

  • Notes:
    Customer should open a checking account with the bank and use the account for mortgage repayment.

  • * Accrued interest will be credited to the Account monthly or at such other intervals as we may, in our absolute discretion, determine from time to time.

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