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Green Mortgage
Standard Chartered Mortgage Service - Building a greener future together
Preferential Savings Rate & Cash Rebate
Privilege 1: Preferential savings rate for deposit linked mortgage account
Privilege 2: Enjoy extra cash rebate
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You can choose between Hibor-based Mortgage Plan or Prime-based Mortgage Plan.
Standard Chartered is committed to making banking services greener and more sustainable. Together with us, you can start your Green Banking journey through your first green mortgage. There are over 600 sustainability certifications for products and buildings being used in the world today and Hong Kong Green Building Council (HKGBC) is one of the most renowned organizations which provides certifications to sustainable buildings in Hong Kong.
BEAM Plus, which is recognized by HKGBC, is Hong Kong’s leading initiative to offer independent assessment of buildings’ sustainability performance with a balanced scale in the area of Environmental Sustainability, Economic Sustainability and Social Sustainability that can fulfill the Bank’s Green and Sustainable Product Framework.
BEAM Plus scheme is a comprehensive evaluation system, covering three main pillars for sustainable development:
ENVIRONMENTAL SUSTAINABILITY
| SOCIAL SUSTAINABILITY
| ECONOMIC SUSTAINABILITY
|
|---|---|---|
| • Reduce carbon emission • Pollution control | • Healthy and active lifestyle • Inclusive Design | • Cost of life cycle • Durability and toughness |
(Based on the examples of elements from BEAM Plus New Buildings 2.0)
- Any new mortgage under Standard Chartered with mortgaged residential buildings (including first-hand, second-hand properties and government subsidised flats) possessing a valid Gold or Platinum rating under BEAM Plus New/ Existing Buildings, as displayed on HKGBC website (www.hkgbc.org.hk).
- The minimum loan amount for enjoying the Green Mortgage offer is HKD1,000,000.
- The eligibility and offer details may change from time to time. In case of disputes, the Bank’s decision shall be final and binding.
Example:
Assume a mortgage loan amount of HKD4,000,000 with a loan tenor of 20 years at 3.25%* p.a.:
CONVENTIONAL PRIME-BASED MORTGAGE PLAN WITH MORTGAGE DEPOSIT LINKED FEATURES
| STANDARD CONVENTIONAL PRIME-BASED MORTGAGE PLAN WITH DEPOSIT UNDER SAVINGS ACCOUNT
| ||
|---|---|---|---|
| With 60% deposit Cap for the first 3 years, and 50% deposit cap thereafter under Green Mortgage | With 50% deposit Cap | ||
| Initial deposit | HKD2,400,000 | HKD2,400,000 | HKD2,400,000 |
| Deposit rate (p.a.) | 3.375% | 3.375% | 0.125% |
| Total mortgage interest expenses in first 3 years (A) | HKD383,688 | HKD383,688 | HKD383,688 |
| Total deposit interest earned in first 3 years (B) | HKD230,213 | HKD191,844 | HKD9,019 |
| Net interest expenses in first 3 years (A) – (B) | HKD153,475 Save HKD230,213 (60% less) | HKD191,844 Save HKD191,844 (50% less) | HKD374,669 |
The above example is based on the assumptions below and does not take into account any fees and any interest rate change. This is for reference only.
*Based on the Hong Kong Dollar Prime Rate of the Bank (5.375%p.a. as of 22 September 2025) minus 2.00%p.a.
Assuming:
• Deposit HKD2,400,000 to mortgage deposit linked account on drawdown date of mortgage loan AND
• No withdrawal during the entire mortgage loan tenor AND
• Repay monthly instalment on schedule according to the Bank’s calculation
- If you have a mortgage facility with the mortgage deposit linked feature, the deposit in your mortgage deposit linked account (up to our pre-determined percentage of the mortgage loan outstanding principal) will accrue the same interest rate that applies to your mortgage loan outstanding principal on any particular day. The interest accrued (if any) on your mortgage deposit linked account will be credited to your mortgage deposit linked account monthly or at other regular intervals that the Bank determines.
- If you have a mortgage facility with the mortgage $aver feature, the deposit in your Mortgage $aver current account (up to our pre-determined percentage of the mortgage loan outstanding principal) will accrue the same interest rate that applies to your mortgage loan outstanding principal on any particular day. The interest accrued (if any) on the Eligible Deposit shall be applied towards reducing the Mortgage loan outstanding principal on a monthly basis. The deposits in excess of the upper limit will receive no interest.
All the above offers are subject to relevant terms and conditions.
