HIBOR-linked Mortgage Loan

An alternative mortgage plan choice

Follow closely market interest rate movement to save you more on interest expenses.

● Smart Tip - Key Facts Statement

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.

Enquiry Hotline:

Hong Kong : 

2877 0662

Kowloon : 

2305 1886

New Territories : 

2618 8386

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

Note :

The above loan plan is bound by the related terms and conditions. Loan amount and repayment tenor applicable to individual applicant may be different and is based on the final approval status of OCBC Wing Hang Credit Limited (“OCBC Wing Hang Credit”). OCBC Wing Hang Credit reserves all the final decision on deciding interest rates, amending the terms and conditions and approving loan and any abovementioned offers. Reference will be made to the applicant’s credit records and OCBC Wing Hang Credit reserves the right to reject the application without specifying any reasons. Meanwhile, OCBC Wing Hang Credit may amend, terminate or cancel the above offers and the related terms and conditions without prior notice. Should any disputes arise in connection with the above services, the interpretation and decision of OCBC Wing Hang Credit should be final.

The Chinese version is for reference only. In the event of any conflicts or discrepancies between the Chinese and English versions, the English version shall prevail.

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

For more details or enquiries, please visit our branches, or contact us.

3 ways to apply

Visit our branches with your supporting documents