Remortgage & Second Mortgage Referral Service
Interest Rate (p.a.): H+1.3%
Interest Rate Cap P-2% (P: 5.625%)
Up to 0.8%** cash rebate
Up to 30 years repayment period
Offers
White Form Secondary Market Scheme (WSM) Mortgage
P-1.75% for the whole period (P: 5.25%)
Great interest rates as low as 3.5%
Up to 0.35%-0.45% cash rebate
2-year penalty period
Up to 90% mortgage
Up to 25 years repayment period
Home Ownership Scheme (HOS) Mortgage
As low as P-1.75% for the whole period (P: 5.25%)
Great interest rates as low as 3.5%
Up to 0.35% - 0.45% cash rebate
2-year penalty period
Up to 95% mortgage
Up to 25 years repayment period
First Hand Property Mortgage
Full period as low as HIBOR+1.3%
Lock-in upper limit P-2% （P: 5.5%）=3.5%
Up to 1.5%** cash rebate
2-year penalty period
Up to 80% to 90%* Mortgage
Up to 30 years repayment period
Second-hand Mortgage Hong Kong
Full period as low as HIBOR+1.3%
Lock-in upper limit P-2% (P: 5.5%) =3.5%
Up to 1.5%* cash rebate
2-year penalty period
Up to 80% to 90% Mortgage
Up to 30 years repayment period
UA Finance — Property Owner’s Loan
Low Interest Rate Mortgage Plan
Interest Rate (p.a.): HIBOR+1.30%
Interest Rate Cap P-2% (P: 5.5%) =3.5%
Cash Rebate up to 1.5% **
Repayment Penalty Period 2 years
Loan-to-Value Ratio 80% or up to 90%*
Loan Tenor up to 30 years
Remortgage Scheme
Clear debts through insolvency solicitor
Interest Rate (p.a.) HIBOR+1.30%
Interest Rate Cap: P-2% (P: 5.625%)=3.625%
Up to 0.9%
Repayment Penalty Period: 2 years
Loan-to-Value Ratio up to 80%
High LTV Ratio Property Mortgage Plan
Higher upper limit compared with MIP, maximum property value at HK$30 million
Interest Rate (p.a.): P-2% (P:5.5%)
Net Rate (p.a.): 3.5%
Cash Rebate up to 1.5%
Repayment Penalty Period 2 years
Loan-to-Value Ratio: up to 90%
Loan Tenor up to 25 years
Remarks
Reference
Hong Kong Interbank Offered Rate (HIBOR), as of 2026-08-31: 2.85
