Value-Added Mortgage

Save on interest by linking up
your mortgage and checking account

Value-Added Mortgage helps put you ahead with a preferential mortgage loan interest rate, a high account interest with a rate equivalent to that of the mortgage loan, and the flexibility of fund deposit or withdrawal. While it helps to save on interest, owning your dream home is within reach.


Key Facts Statement (KFS)
  • 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 Daily Average Combined Balance Discounted Daily Average Combined Balance
    PREMIER SELECT HKD5,000,000 or equivalent HKD2,500,000 or equivalent
    PREMIER BANKING HKD1,000,000 or equivalent HKD500,000 or equivalent
    *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.

    Terms and Conditions apply
  • 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!