Additional text has been added to aid users who may be using screen readers to view this site. If you are reading this text on your screen then either, the style sheet (CSS) file has failed to load, in which case you should refresh your screen or, your browser may not support style sheets. Find out more about which browsers support style sheets on the World Wide Web Consortium website.

What follows is a few links to some of the important pages. If you wish to skip this you can

Header navigation:

Language options:

Main level navigation:

Second level navigation — Personal:

Second level navigation — SMEs:

Second level navigation — Corporates:

Second level navigation — International:

Second level navigation — China:

Second level navigation — About Us:

Prime Rate-Based Mortgage Plan

The Right Move

Our Prime Rate-Based Mortgage Plan is ideally suited to all types of customer from first-time buyers to the more experienced.

Overview

With our Prime Rate-Based Mortgage Plan, interest is calculated based on the Hong Kong Dollar Prime Rate. Whether this is your first purchase, a trade-up, adding a new property to your investment portfolio or refinancing, we can help you execute your property strategy with ease.

Key Benefits

Free verbal valuation service before purchasing the property
Choice of monthly or biweekly mortgage repayment methods
Special offers on fire insurance premium

Summary

Summary Table
Suitable for	New purchases from Primary Property Market (completed or under construction) and Secondary Property Market Refinancing Cash-out Refinancing
Loan Tenor	Up to 30 years
Loan Amount	Up to 90% of the appraised value or purchase price (whichever is lower)
Repayment Method	Choice of monthly or biweekly mortgage repayment methods
Other Privileges	Special offer on fire insurance premium

Remarks

1. The maximum mortgage loan amount is 90% of the property purchase price or appraised value (whichever is lower) and should be under the relevant mortgage schemes.

The final terms and conditions of the mortgage application will be governed by the Facility Letter and any relevant documents signed between the loan applicant and China CITIC Bank International Limited (the "Bank").
The above information is for reference only. The Bank reserves the right on final approval of the mortgage loan and to revise the relevant terms and conditions from time to time without prior notice. In case of any disputes, the decision of the Bank shall be final. Please contact the Bank's staff for details.

Key Facts Statement