Dah Sing Bank, Limited - Personal - Mortgage

Helping You Grasp the Latest Trends in the Interest Rate Market to Target the Lowest Rate and Save on Interest

Making the Most of the Low Interest Rate Advantage

	The Hong Kong Interbank Offered Rate (HIBOR) is adopted as the basis for mortgage rates.
	Interest rate ceiling during the loan tenure.
	Upon each renewal, the interest rate will be revised according to the current HIBOR and compared against the interest rate ceiling to determine the lower of the two rates which will be the actual mortgage interest rate after renewal.

Various HIBOR Tenures Available

	HIBOR tenures of 1, 3, 6 and 12 months are available.
	If you expect the interest rate to rise, you may choose a longer tenure so as to minimise the impact of an interest rate increase during the repayment period. If you expect a drop or minor fluctuations in the interest rate, you may consider choosing a shorter HIBOR tenure in order to benefit from a lower mortgage interest rate at a later date.

Other Features

	Loan-to-Value ratios up to 90% of the property's purchase price or appraised value*.
	Loan tenure up to 30 years.

* For mortgage loan amount exceeding 70% of the property value or the appraised value of the property (whichever is lower), customers are required to apply for the HKMC’s Mortgage Insurance Program at their own cost.

Helping You Grasp the Latest Trends in the Interest Rate Market to Target the Lowest Rate and Save on Interest


	Privileged Interest Rate		Cash Rebate

HIBOR + 2.4% to HIBOR + 2.9%
(Interest rate ceiling is P-2.25% p.a.)

0.30% to 0.50% of loan amount

Note:

The Residential Mortgage Plan offers are applicable to residential estates registered under an individual or limited company name. For enquiries, please check with our staff at branches of Dah Sing Bank.
"P" refers to the prevailing HKD Prime Rate quoted by Dah Sing Bank from time to time.
The Hong Kong Interbank Offered Rate (HIBOR) is the reference rate for the HIBOR Mortgage Plan.
Cash rebate 0.50% of loan amount is applicable to Dah Sing VIP Banking / Dah Sing Hello Kitty VIP Banking customers and loan amount not less than HK$1,500,000. General customers with loan amount not less than HK$1,500,000 can enjoy cash rebate up to 0.4% of loan amount. The maximum cash rebate is 1% of the 70% of the property price or the valuation, whichever is lower.
Dah Sing Bank reserves the right to revise the above offers and terms at any time without prior notice.
The above mortgage plan is subject to relevant terms and conditions. Please contact our staff at branches of Dah Sing Bank for details.

Helping You Grasp the Latest Trends in the Interest Rate Market to Target the Lowest Rate and Save on Interest

Other Privileges

	Credit card annual fee waiver.
	Household Contents Insurance premium waiver for six months in the first year
	Complimentary fire insurance for the first year.

Note:

1.	The approval of credit card will be processed separately and after the drawdown of the mortgage loan. Dah Sing Bank reserves the right for final approval.
2.	The offers for Household Contents Insurance are valid until 31 December 2012. The above offers are only applicable to customers insured with Dah Sing Insurance Company Limited. Please contact our staff at branches of Dah Sing Bank for details about the above offers and terms.
3.	The terms and conditions of above mortgage plans are for reference only. Actual and final mortgage loan offer is subject to relevant terms and conditions agreed between the Bank and customers.
4.	Dah Sing Bank reserves the right to revise the above offers and terms at any time without prior notice.
5.	The above mortgage plan is subject to relevant terms and conditions. Please contact our staff at branches of Dah Sing Bank for details.

HIBOR Mortgage Plan

Introduction

Privileged Rate Offer

Other Privileges

Helping You Grasp the Latest Trends in the Interest Rate Market to Target the Lowest Rate and Save on Interest

Making the Most of the Low Interest Rate Advantage

	The Hong Kong Interbank Offered Rate (HIBOR) is adopted as the basis for mortgage rates.
	Interest rate ceiling during the loan tenure.
	Upon each renewal, the interest rate will be revised according to the current HIBOR and compared against the interest rate ceiling to determine the lower of the two rates which will be the actual mortgage interest rate after renewal.

Various HIBOR Tenures Available

	HIBOR tenures of 1, 3, 6 and 12 months are available.
	If you expect the interest rate to rise, you may choose a longer tenure so as to minimise the impact of an interest rate increase during the repayment period. If you expect a drop or minor fluctuations in the interest rate, you may consider choosing a shorter HIBOR tenure in order to benefit from a lower mortgage interest rate at a later date.

Other Features

	Loan-to-Value ratios up to 90% of the property's purchase price or appraised value*.
	Loan tenure up to 30 years.