HIBOR-based Mortgage

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You will normally need to provide the following documents when you submit your mortgage application.

For application under individual name(s)

• Hong Kong ID Cards or passports of all borrowers (and guarantors, if any)
• For a newly purchased property:
  - Provisional or Formal Sale & Purchase Agreement
• For refinancing an existing mortgage against a property you already own:
  - repayment records from your existing mortgagee bank showing the last three month's payments, AND;
  - the repayment schedule for your existing mortgage, AND
  - address proof for self-occupancy, if applicable
• Bank statements showing your salary deposits for the last three months
• Proof of your employment, which could be:
  - your latest tax demand note, OR;
  - your latest employer's tax return note, OR;
  - other income proof documents issued by your employer.

For an application under the name of a shell company

• Hong Kong ID Cards or passports of all guarantors
• For a newly purchased property:
  - Provisional or Formal Sale & Purchase Agreement
• For refinancing an existing mortgage against a property you already own:
  - repayment records from your existing mortgage lender showing the last three months' payments,  AND;
  - the repayment schedule for your existing mortgage, AND
  - address proof for self-occupancy, if applicable
• Bank statements showing each guarantor's salary deposits for the last three months
• Proof of each guarantor's employment, which could be:
  - the latest tax demand note, OR;
  - the latest employer's tax return note, OR;
  - other income proof documents issued by the guarantor's employer.
• Business Registration Certificate or Certificate of Incorporation of the shell company
• Minutes of meeting approving the mortgage application and indicating mortgagee bank, property address and loan amount

Yes, you can choose a solicitors' firm to advise you on the mortgage.

However, if you would like the same firm of solicitors to act for both you and the Bank, the firm you have chosen must be agreed by the Bank, otherwise they will not be able to act for the Bank as well, and we will need to appoint another firm of solicitors to act for the Bank.

Please also note that you need to bear the legal cost for the mortgage transaction. If there are two different firms of solicitors acting for you and for the Bank, you will need to bear the legal costs of both firms of solicitors. Each firm may charge extra fees for the additional work in reviewing the other firm’s documentation and accordingly, the legal cost for such arrangement may be higher than using just one firm of solicitors agreed by the Bank to represent both parties.

No fee is charged when you apply for a mortgage loan. However, if you have accepted our offer and do not draw down the loan within the period stated in the offer letter, we will charge a cancellation fee of 0.15% of the loan amount.