HIBOR Mortgage Plans
Reduce your interest expenses in a
low-interest rate environment
HIBOR Mortgage Plans
Reduce your interest expenses in a low-interest rate environment
Whether you are a first-time homebuyer or a refinancing property owner, CCB (Asia) offers a variety of flexible mortgage plans, tailors to your diverse financial needs, helping you easily achieve your homeownership dreams. The latest HIBOR mortgage plans allow you to effectively reduce mortgage interest expenses in a low-interest rate environment, while also enjoying cash rebates to save costs.
| Interest Rate Basis | Annualised Interest Rate1 |
|---|---|
| The Bank’s 1-month HIBOR3 |  Interest Rate Cap P%2 |
 Interest Rate Cap P2-2% |
Assume a mortgage loan amount of HK$5,000,000 with a loan tenor of 20 years:
| HIBOR Plan (H Plan) | The Bank’s Best Lending Rate Plan^ (P Plan) |
||
|---|---|---|---|
| Mortgage Plans* | H+1% | H+1.3% | P-2% |
| Interest Rate Cap (the Bank’s Best Lending Rate P% Per Annum#) |
P% | P-2% | P-2% |
| Mortgage Loan Amount | HK$5,000,000 | ||
| Mortgage Interest Rate Per Annum* | 2.45% | 2.75% | 3.50% |
| Loan Tenor | 20 Years | ||
| Monthly Instalment Amount | HK$26,373.52 | HK$27,108.32 | HK$28,997.99 |
| Total Mortgage Interest Expense | HK$1,329,645.29 | HK$1,505,995.25 | HK$1,959,516.29 |
Interest rate comparison
in a low-interest
rate environment
in a low-interest
rate environment
H+1%
Mortgage Plan
VS
H+1.3%
Mortgage Plan
The Bank’s Best
Lending Rate Plan
The example is based on the prevailing interest rate and does not account for future rate changes, it is for reference only.
*
As of 15 August 2025, 1-month HIBOR is 1.45%. HIBOR +1% / HIBOR H+1.3% plan of this example has not been reached the interest rate cap.
#
Best Lending Rate (P%) means the Hong Kong Dollar Prime Rate as announced by the Bank from time to time. As of 15 August 2025, the Hong Kong Prime Rate of the Bank is 5.5%.
^
Based on the Hong Kong Prime Rate of the Bank minus 2% p.a.
Terms and Conditions apply.
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Remarks:
- The annualized interest rate is the basic interest rate shown as a percentage of the amount borrowed over a year.
- Best Lending Rate (P%) means the Hong Kong Dollar Prime Rate as announced by the Bank from time to time.
- HIBOR means the Hong Kong Interbank Offered Rate offered on Hong Kong dollar loans in the interbank market.
- The interest rate in our offer letter of your loan may change during the tenor of this loan.
- The interest rate of this loan is calculated based on an interest rate benchmark. The major risk of this loan is the interest rate risk.
- Interest rate re-fixing for this loan takes place monthly.
- Latest rate and other details of the 1-month HIBOR is published on The Hong Kong Association of Bank’s website.
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