Multiple mortgage options
First mortgage, second mortgage, refinancing and top-up direction can all be reviewed.
Mortgage | First Mortgage | Second Mortgage | Cash-Out
Mortgage financing up to HK$10 million
Repayment period up to 240 months
This mortgage page covers first mortgage, second mortgage, top-up financing and refinancing direction. Different property types can be reviewed case by case with clearer financing guidance and follow-up support.
Up to HK$10 million
Up to 240 months
Property valuation support
Flexible repayment planning
Mortgage Focus
HK$10M
Suitable for applicants who need financing against residential or commercial property, refinancing support or flexible funding through top-up arrangements.
Mortgage TypesFirst mortgage, second mortgage, refinancing, top-up
Property TypesPrivate flat, village house, shop, public housing and more
Application MethodSubmit details first, then case-by-case follow-up
10MMaximum mortgage amount
240Maximum repayment months
18+Minimum applicant age
FreeProperty valuation support
Highlights
Mortgage features at a glance
Wide property coverage
Different property types can be assessed subject to case details and ownership structure.
Flexible repayment
Different repayment structures may be considered depending on approval and financing goal.
Faster case handling
Initial property information and required documents can be reviewed first to improve efficiency.
Eligibility
Basic requirements
- Hong Kong resident.
- Aged 18 or above.
- Applicant with stable income or relevant supporting documents.
- Final review depends on property details, ownership status and repayment ability.
Required Documents
Common mortgage documents
- Hong Kong identity card.
- Recent address proof.
- Income proof such as payslips, tax documents or bank statements.
- Property-related documents such as rates demand note and repayment schedule if available.
Process
Four clear steps for mortgage enquiry
Submit enquiry
Tell us whether the case is first mortgage, refinancing or top-up financing.
Property review
We review the property information and financing direction first.
Document submission
Provide identity, income and property documents for assessment.
Approval follow-up
After approval, we coordinate the next stage of signing and funding arrangement.
Frequently Asked Questions
Do you only handle home purchase mortgages?
No. Refinancing, second mortgage and top-up financing direction can also be reviewed depending on the property and case details.
How long can the repayment period be?
Mortgage tenor can be much longer than personal loan and may go up to 240 months subject to the approved structure.
What documents are usually required?
Identity proof, income proof and property-related documents are commonly required for mortgage assessment.
Can complex cases still be submitted?
Yes. You can still send the case through the online form or WhatsApp for a preliminary review by our team.
