HIBOR-linked Mortgage Loan


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HIBOR-linked Mortgage Loan

Follow closely market interest rate movement to save you more on interest expenses. Our dedicated customer service officers will follow-up your loan application.

● Smart Tip - Key Facts Statement, Terms and Conditions

Different HIBOR periods available

OCBC Wing Hang Credit provides HIBOR periods of 1, 3, 6 or 12 months for you to choose. The mortgage interest rate of each fixed HIBOR period is based on the Hong Kong Interbank Offered Rate (HIBOR) of the corresponding period and is not affected by the fluctuations in market interest rates during the period.

Better protection with interest rate cap

Upon renewal, the mortgage interest rate will be reset based on an automatic comparison between the HIBOR and the capped interest rate. Whichever lower will be your actual mortgage rate, giving you greater financial protection.



Application Hotline :

(+852) 2201 7855

You can enquire the details of Mortgage Loan and the appointed third party referral agencies of our company through Mortgage Loan Centre Hotline.

Hong Kong Interbank Offered Rate is determined by OCBC Wing Hang Credit Limited at its reasonable discretion from time to time for Hong Kong Dollars (with reference to the relevant rate published by The Hong Kong Association of Banks rounding up to the nearest 5 decimal places or such other rates as OCBC Wing Hang Credit Limited at its reasonable discretion) and the above information is for reference only.

OCBC Wing Hang Credit Limited (“Company”) is the wholly-owned subsidiary of OCBC Wing Hang Bank Limited. The Company is the entity which processes the application of the HIBOR-linked Mortgage Loan and provides related loan services. Customer can submit application through the branches of the Company and OCBC Wing Hang Bank Limited. To enquire the relevant terms and conditions, please contact the staff of the Company.


The above loan product and offer are bound by the applicable terms and conditions. Please contact the staff of the Company for details.


Customers who are entitled to the offer of HIBOR-linked Mortgage Loan (the "Offer") and the Promotion are bound by the terms and conditions of the Promotion, related loan application form and loan documents. Please contact the staff of the Company for details and enquiries of related terms and conditions and charges details. Loan amount, interest rate, monthly repayment amount and repayment tenor applicable to individual applicant may be different and is based on the final approval status of the Company; please contact the staff of the Company for details and enquiries. The Company reserves the right to amend, extend, suspend, terminate or cancel the Promotion and/or the terms and conditions or any parts thereof from time to time and at any time without prior notice or consent. In case of any dispute, the decision of the Company shall be final and conclusive. The Company reserves all the final decision on determining the interest rates, amending the terms and conditions in respect of the Loan, and approving the loan application. Reference will be made to the customer’s credit reports and the Company reserves the right to reject the loan application without specifying any reasons for its decision and interpretation, which shall be final, conclusive and binding on all.


The English version shall prevail if there is any inconsistency between the English and Chinese versions.


Before you make request for early repayment for Instalment loan, please refer to "FAQ" of this website.


For details or enquiries about the related terms and conditions, please contact us.


To borrow or not to borrow? Borrow only if you can repay!

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