Straight2Bank
Example
CONVENTIONAL MORTGAGE PLAN
| MORTGAGEONE®
| |
|---|---|---|
| Loan Amount | HK$4,000,000 | HK$4,000,000 |
| Monthly Deposit Amount | HK$4,000 | HK$4,000 |
| Deposit Balance | HK$500,000 | HK$500,000 |
| Interest Rate (p.a.) | 3.25%* | 3.25%* |
| Total Interest Payment | HK$1,444,715.30 | HK$829,465.81 (save 42.59%) |
| Tenor | 240 months | 163 months (save 32.08%) |
The above example is for reference only which does not take into account any fees (including arrangement fee, annual fee, and other charges (if any)) and interest rate change in the calculation.
*Based on the Bank’s Hong Kong Dollar Prime Rate 5.375%p.a. as of 22 September 2025 minus 2.00%pa.
Terms and conditions apply. For details, please contact our branch staff.
The monthly repayment amount, the length of the MortgageOne ® repayment period, and whether or not there are interest savings ,are all subject to various factors such as loan amount, loan tenor, deposit balance,etc. The final amount saved does not take into account any other fees such as deposit service charges, handling fees and annual maintenance fees (if applicable). For details of the calculation, please contact our branch staff.
Not Protected under the Deposit Protection Scheme. The sum of money in the MortgageOne® Account is NOT an alternative to ordinary savings or time deposits. It is NOT a protected deposit, and is NOT protected under the Deposit Protection Scheme in Hong Kong.
The arrangement fee and annual maintenance fee for MortgageOne® are HK$2,000 and HK$500 respecitively.
