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Basic Mortgage
Mortgage Calculator
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If this website fails to provide the property valuation you need, please select "Other" to manually enter the property address.
Mortgage Process
Verbal valuation and pre-approval
To avoid the problem of undervaluation, you should do a verbal valuation and pre-approval by mReferral or bank before signing the contract.
Mortgage Process
Sign the Provisional Agreement for Sale and Purchase
To avoid the problem of undervaluation, you should do a verbal valuation and pre-approval by mReferral or bank before signing the contract.
Mortgage Process
Seek advice from mReferral
Apply for a mortgage loan from at least three banks. If you want to apply in one go, mReferral would definitely help.
Mortgage Process
Submit documents
Provisional Agreement for Sale and Purchase, copy of ID card of borrower and guarantor (if any), income proof, e.g. employment contract/latest salary slip, bank book/statements showing salary income or latest tax demand note
Mortgage Process
Bank approves mortgage application
It usually takes a week to a month for the bank to approve a mortgage. Compare and choose the bank with the most suitable terms, and sign the letter of loan offer with bank. The bank will send a letter to your law firm to inform the lawyer to prepare the mortgage deed.
Mortgage Process
Sign documents at law firm
Before the transaction day, the buyer and the guarantor (if any) go to the law firm to sign the mortgage deed and other documents required by the bank.
Mortgage Process
Complete transaction
The law firm informs the bank that the bank will deliver the loan to the law firm to arrange delivery to the seller, and the transaction is completed. After the transaction is completed, the bank will issue a cash rebate for the mortgage within one month. In addition, a repayment process table will be sent to inform customers of the detailed information of the principal, interest and balance of the monthly payment.
Property valuation
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Providers
  • Citic Bank International
  • MOX
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  • Min relationship balance
  • Min monthly salary
  • Welcome offer (Up to)
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CNCBI inMotion
  • Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color); or Nescafe Dolce Gusto Genio S Plus (Valued at HK$1,390 ; random colour) ; or HK$1,200 Apple Store Gift Card; or HK$1,200 Wellcome Shopping Voucher
HK$
Min relationship balance
HK$
Min monthly salary
HK$3800
Welcome offer (Up to)

    [MoneyHero Exclusive Offer]
    From 26 April 2024 12 noon till 8 May 2024 6 p.m. (the “Promotion Period”), new Customers who successfully open a Multi-Currencies Statement Savings Account through CNCBI inMotion with the MoneyHero promo code “24MH01”, register Monopoly Deposit while deposit HK$10,000 or above eligible new funds* are entitled to
    Gift Options

    Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280, random colour); or
    Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color); or
    Nescafe Dolce Gusto Genio S Plus (Valued at HK$1,390 ; random colour) ; or
    HK$1,200 Apple Store Gift Card; or
    HK$1,200 Wellcome Shopping Voucher

    MOX Account
    • Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280, random colour); or Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color); or Nescafe Dolce Gusto Genio S Plus (Valued at HK$1,390 ; random colour) ;
    HK$
    Min relationship balance
    HK$
    Min monthly salary
    HK$250
    Welcome offer (Up to)

      Remember to click here for completing the "MoneyHero Reward Redemption Form" after successfully submitting the application and opening the Mox account as well as Mox Credit within 14 days

      Gift Options

      Nintendo Switch (OLED model)(valued at HK$2,680;random color); or
      Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280, random colour); or
      Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color); or
      Nescafe Dolce Gusto Genio S Plus with capsules (Valued at HK$1,780 ; random colour) ; or
      HK$1,000 Apple Store Gift Card; or
      HK$1,000 Trip.com e-Voucher

      Terms & Conditions
      MoneyHero Limited-Time Exclusive Offer

      Open a Mox Account successfully with the invitation code "MHMOX1200" and successfully apply for Mox Credit via MoneyHero, you can enjoy Nintendo Switch (OLED Model) (valued at HK$2,680, random colour) / Delsey ECLIPSE SE 31" Expandable Front Opening Suitcase(Valued at HK$4280; random colour) / Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color) / Nescafe Dolce Gusto Genio S Plus with capsules (Valued at HK$1,780 ; random colour) / HK$1,000 Apple Gift Card OR Trip.com Gift Card
      From 30 April 2024 6 p.m. to 20 May 2024 6 p.m.: New Mox customers who successfully apply for Mox Credit via MoneyHero
      Within 14 days of after receiving the successful application email from Mox when your Mox Credit approved: Submit the reward redemption form sent via email previously
      On or before 30 June 2024: The Mox account and Mox Credit must be approved by Mox, subject to the Bank’s system records
      Tips:
      Please submit the reward redemption form sent via email previously within 14 days of after successfully submitting the application and opening the Mox account as well as Mox Credit, you will receive an email with application reference number (7-digits) from Mox in 14 working days.
      Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
      Remember to have your cell phone and Hong Kong Identity Card ready before applying! It is recommended to submit all the required documents in one go to speed up the approval process.. After successfully submitting the application and opening the Mox account as well as Mox Credit, you will receive an email notice with application reference number (7-digits) in 14 working days. Please be reminded to enter the Invitation Code to get the application reference number, if you don't receive the email, please check your spam folder.
      MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Mox has no relation with its redemption, usage and dispute.
      Terms and Conditions Apply.

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