Real time bank API
Get the real-time API info from all banks in Hong Kong. Fast & convenient!
Application programming interface (API) is a computer programming approach for facilitating exchange of information and executing instructions between different computer systems. Effective implementation of Open API will enable, for example, information of different banks' products and services to be aggregated under the same website/app for comparison and financial planning by users with ease. New service providers may also make use of the open information to offer unique products and new customer experience. (Source: Hong Kong Monetary Authority)
If you wish to apply the following mortgage plan, you may click "Enquiry to mReferral" to enter mReferral's mortgage referral services application form. This application is made to mReferral ONLY. If you wish to apply mortgage service offered by a particular bank through mReferral, you can choose the corresponding option after you have made your application to mReferral's mortgage referral service.
Please note that, in collaboration with banks, mReferral offer mortgage referral service ONLY. Other mortgage-related services offered by mReferral are not in collaboration with banks. Mortgage offered by banks are not offered in collaboration with mReferral.
The following real time information is provided by banks and is for reference only. If there are any questions, please feel free to contact us at 319-66688.
Plan | Offer | Cash rebate |
---|---|---|
HighAdvance Mortgage | For HIBOR Plan: as low as H+1.40%, cap at P-1.75%. For Best Lending Rate Plan: as low as P-1.75%. (H and P refer to HIBOR and Best Lending Rate quoted by HSBC respectively.) | - |
Government Housing Schemes | For HIBOR Plan: as low as H+1.40%, cap at P-1.75%. For Best Lending Rate Plan: as low as P-1.75%. (H and P refer to HIBOR and Best Lending Rate quoted by HSBC respectively.) | - |
Home Mortgage Loan | For HIBOR Plan: as low as H+1.40%, cap at P-1.75%. For Best Lending Rate Plan: as low as P-1.75%. (H and P refer to HIBOR and Best Lending Rate quoted by HSBC respectively.) | - |
Plan | Offer | Cash rebate |
---|---|---|
Prime-based Mortgage Plan | Residential Properties: as low as P-2.25% to 1.75%(P is the Bank's HKD Best Lending Rate) | Subject to Bank's prevailing promotional offer |
HIBOR Mortgage Plan | Residential Propertiesas low as H+1.3% to 1.5%, cap at P-2.25% to 1.75%(H is the Hong Kong Interbank Offered Rate (HIBOR) and P is the Bank's HKD Best Lending Rate) | Subject to Bank's prevailing promotional offer |
Mortgage Insurance Programme | Residential PropertiesHIBOR Mortgage Plan:as low as H+1.3% to 1.5%, cap at P-2.25% to 1.75%Prime-based Mortgage Plan: P-2.25% to 1.75%(H is the Hong Kong Interbank Offered Rate (HIBOR) and P is the Bank's HKD Best Lending Rate) | Subject to Bank's prevailing promotional offer |
Government Housing Scheme Mortgage Plan | as low as P-2.25% to 1.75%(P is the Bank's HKD Best Lending Rate) | Subject to Bank's prevailing promotional offer |
'Smart' Mortgage Scheme | Residential Propertiesas low as H+1.3% to 1.5%, cap at P-2.25% to 1.75%Prime-based Mortgage Plan: as low as P-2.25% to 1.75%(H is the Hong Kong Interbank Offered Rate (HIBOR) and P is the Bank's HKD Best Lending Rate) | Subject to Bank's prevailing promotional offer |
Plan | Offer | Cash rebate |
---|---|---|
Conventional Mortgage Plan | In general, HIBOR Mortgage: H+1.3% (Cap at P-1.75%) | Case by case |
Mortgage-Link Loan Scheme | Prime-based mortgage: P-1.75% / HIBOR Mortgage: H+1.3% (Cap at P-1.75%) | Case by case |
Property Refinancing | Prime-based mortgage: P-1.75% / HIBOR Mortgage: H+1.3% (Cap at P-1.75%) | Case by case |
Property Secured Overdraft Facility | First 6 months: P-1%, Starting from 7th month: P+1% | - |
Mortgage Loans for Government Housing Scheme | In general, Prime-based mortgage: P-1.75% / HIBOR Mortgage: H+1.3% (Cap at P-1.75%) | Case by case |
Hang Seng Mortgage Insurance Programme | Prime-based mortgage: P-1.75% / HIBOR Mortgage: H+1.3% (Cap at P-1.75%) | Case by case |
Plan | Offer | Cash rebate |
---|---|---|
Green Mortgage Plan | As low as HIBOR+1.4%, cap P-2%, whichever is lower choice of Deposit Linked Mortgage | Case-by-case |
Up to 90% LTV Mortgage Insurance Programme | As low as HIBOR+1.4%, cap P-2% or Prime-2%; choice of HIBOR or Prime Deposit Linked Mortgage | Case-by-case |
Prime based Mortgage Plan | As low as Prime -2%, choice of Deposit Linked Mortgage | Case-by-case |
HIBOR Mortgage Plan | As low as HIBOR+1.4%, cap P-2%, whichever is lower choice of Deposit Linked Mortgage | Case-by-case |
Plan | Offer | Cash rebate |
---|---|---|
Non-Residential Mortgage Loans | H Plan H+1.7% (Cap at P-2.65%) | - |
Residential Mortgage Loans | H Plan as low as H+1.4% (Cap up to P-2.75%) | 0.6% |
Government Housing Scheme Mortgage Loans | P Plan as low as P-2.75% | 0.6% |
Plan | Offer | Cash rebate |
---|---|---|
HIBOR mortgage | HIBOR+1.5% (Cap at P-2.75%) | - |
HIBOR deposit-linked Mortgage | HIBOR+1.5% (Cap at P-2.75%) | - |
Prime deposit-linked mortgage | Prime - 2.75% | - |
Prime-based mortgage | Prime - 2.75% | - |
Home smart mortgage | Prime - 2.75% | - |
Advance on mortgage / Property Refinancing service | HIBOR+1.5% (Cap at P-2.75%)/ Prime-2.75% | - |
90% mortgage | HIBOR+1.5% (Cap at P-2.75%)/ Prime-2.75% | - |
Plan | Offer | Cash rebate |
---|---|---|
Mortgage Plus | Base on Prime/Hibor rate | - |
90% Mortgage Plan | Base on Prime/Hibor rate | - |
Prime Rate-Based Mortgage Plan | Base on Prime rate | - |
Hibor Rate-Based Mortgage Plan | Base on Hibor rate | - |
Home Ownership Scheme Mortgage Plan | Base on Prime rate | - |
Plan | Offer | Cash rebate |
---|---|---|
Residential Mortgage Plan | Based on the CCBA 1-month HIBOR, as low as HIBOR + 1.3% (cap. at P-2%). Based on Prime-based plan, as low as P-2% (P is the CCBA Best Lending Rate, which is 5.625% p.a. currently) | - |
Plan | Offer | Cash rebate |
---|---|---|
Fubon Reverse Mortgage Plan | for homeowners aged 55 or above to use his/her/their residential property (or more than one property) in Hong Kong as security for taking out a mortgage loan. You will remain as the owner of your property and can continue to stay at your property for the rest of your life; HKMC’s Hong Kong Prime Rate - 2.5% | - |
Fubon 90% Mortgage Plan | It is only applicable to loan amount which is HK$500,000 or above; mortgage loan amount above 70% of the purchase price or the appraised value of the property (whichever is lower); Plan 1: Prime%; Plan 2 : Bank 1, 3 or 6 month HIBOR interest rate +1.3% or Prime%; whichever is lower | 0.2% |
Residential Mortgage Plan _Corporate | It is only applicable to loan amount which is HK$500,000 or above; mortgage loan amount equal to or below 70% of the purchase price or the appraised value of the property (whichever is lower); Prime% | 0.2% |
Fubon HIBOR Mortgage Plan_Corporate | It is only applicable to loan amount which is HK$1,000,000 or above; mortgage loan amount equal or below 70% of the purchase price or the appraised value of the property (whichever is lower); Bank 1, 3 or 6 month HIBOR interest rate +1.3% or Prime%; whichever is lower (for Residential Property) | 0.2% |
Residential Mortgage Plan _Individual | It is only applicable to loan amount which is HK$500,000 or above; mortgage loan amount equal to or below 70% of the purchase price or the appraised value of the property (whichever is lower); Prime% | 0.2% |
Fubon HIBOR Mortgage Plan _Individual | It is only applicable to loan amount which is HK$1,000,000 or above; mortgage loan amount equal or below 70% of the purchase price or the appraised value of the property (whichever is lower); Bank 1, 3 or 6 month HIBOR interest rate +1.3% or Prime rate - 2.875%; whichever is lower (for Residential Property) | 0.2% |
Fubon Mortgage Plan for Government Home Ownership Scheme | Fubon Mortgage Plan for Government Home Ownership Scheme (the “Plan”) is only applicable to loan amount which is HK$500,000 or above (For loan amount below HK$500,000, Fubon Bank (the “Bank”) will consider the application on a case-by-case basis); Prime% | 0.2% |
Plan | Offer | Cash rebate |
---|---|---|
Government Housing Scheme Mortgage Loan | As low as HKD Prime Rate - 2.00%p.a. | - |
Residential Property Mortgage Loan | As low as HKD Prime Rate - 2.00%p.a. | - |
Residential Property Mortgage Loan | As low as HKD Prime Rate - 2.00%p.a. | - |