- Deposit into the BusinessOne current account to enjoy the same interest rate as your mortgage loan
- Interest earned from your deposits can offset the mortgage loan outstanding principal, so your total mortgage interests will be reduced
- Deposit or withdraw funds from your BusinessOne Current Account at any time
Business Mortgage
Comprehensive mortgage solutions to facilitate your property acquisition or refinancing
Improve your cashflow
Business mortgage enables you to acquire extra working capital and stand-by cash to support your business expansion and investment needs with your free-hold or on mortgage properties.
Comprehensive mortgage plan
You have a choice of Prime, HIBOR based mortgage or BusinessOne, an all-in solution to link up your mortgage loan account and current account to let you enjoy interest savings.
Borrow to match your needs
Business mortgage is available for your property acquisition or refinancing needs. The property can be for your self-use or investment.
Accept a wide range of properties
We accept residential, commercial, retail shop and industrial properties with repayment period of up to 30 years.
BusinessOne
- Affordable Loan Amount
- Mortgage Repayment Amount
Affordable Loan Amount
%
Please Select
Please Select
Result
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*Assume mortgage loan of 60% loan-to-value (LTV) ratio for company held residential properties or 70% LTV ratio for commercial and industrial properties (including car parks). This calculator does not intend to cover mortgage loan for industrial properties that are held for investment purposes.
Repayment Amount
Interest Rates*
MortgageOne Loan (%)
Standard Housing Loan#
(%)
# Traditional Housing Loan refers to the repayment of the mortgage by way of making regular payments of the capital (also called the principal) and interest over a set term.
Disclaimer
The calculator result is for information purposes only and the calculation is based on the information provided by customer. Standard Chartered Bank (Hong Kong) Limited (the “Bank”) endeavours to keep the calculator up-to-date as per the latest regulatory guidelines, however some discrepancy may be expected. The assumptions used and figures generated by this calculator are for purposes of illustration and reference only, and are subject to change depending on a variety of factors, which may not have been taken into account in the computation. The calculation is not intended to constitute financial advice or an offer of credit facilities from the Bank. You should obtain professional advice and should not rely on the calculator to make any financial or other decision. The Bank makes no warranty, express or implied, as to the accuracy, reliability and completeness of any information, formulae, or calculation provided through use of the calculator and does not accept any liability for loss or damage of whatsoever nature, which may be attributable to the reliance on and use of the calculator. You should not rely on the result of the calculation or assume the Bank would approve any mortgage application based on those terms. Any mortgage application shall be subject to the formal approval by the Bank and your actual repayment liability depends on the actual terms of the mortgage as approved by the Bank.
Remarks
- The calculation is based on the assumption that the mortgage is repaid with monthly installment, and the calculation does not and cannot incorporate individual needs or special scenarios of each customer, such as (without limitation) applicant’s and property’s conditions and any outstanding mortgage loan owed by the applicant either as guarantor or borrower.
- The interest rates used are for simulation purpose only and may not be the same interest rates applicable to the actual loan as approved by the Bank. Customers should also note that the interest rates are subject to change as determined by the Bank from time to time.
Eligibility & Documents
Eligibility
Documents
1. Copy of Business Registration Certificate
2. Latest 6 months bank statements
3. Audited Financial Statement OR Profit Tax Demand Note of latest financial year
4. Copy of Sales & Purchase Agreement (if applicable)
5. Repayment schedule of proposed property (applicable to HEP)
6. Tenancy Agreement (if applicable)
7. Asset Proof, e.g. the latest month bank statement of investment account/ bank account (if applicable)
1. Copy of Certificate of Incorporation
2. Copy of particulars of Directorship and Company Secretary (Form D1/D2)
3. Copy of “Memorandum & Articles of Association
4. Board Minutes Extract
1. Copy of particulars of Sole Proprietorship (Form 1A)
2. Copy of particulars of Partnership (Form 1C)
1. Copy of HKID / Passport
2. Latest Salary / Income Tax Demand Note (if applicable)
3. Latest 3 months’ bank statements (if applicable)
1. Copy of HKID/ Passport/ CI / BRC
FAQs
It offers you great flexibility. You can earn interests for the deposit in BusinessOne current account with the same interest rate as your mortgage loan and withdraw the funds at any time.
Your dedicated Relationship Manager can help you structure a best-fit solution based on your needs, offering you trade facilities, overdraft, short term loan and more.
- The maximum interest earned for your BusinessOne deposit account cannot exceed the amount of interest charged on your mortgage loan account in each particular month.