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Mortgages

Government Housing Scheme Mortgages

Home Ownership Scheme

This mortgage service is specially designed to work with the Home Ownership Scheme, which offers high loan ratio to both Green Form and White Form applicants so that they can realise their dreams of home ownership.

Key Features

  • Loan amount up to 95% of the purchase price for Green Form applicants
  • Loan amount up to 90% of the purchase price for White Form applicants
  • Repayment period up to 25 years

Related Products

We also provide a selection of home-related insurance and fire insurance products. Please contact us for details.

Remarks: The above information is for reference only. Shanghai Commercial Bank Limited ("the Bank") may at its absolute discretion approve or reject any loan application. The Bank also reserves the right to vary the above offers and/or amend the related terms and conditions at any time without prior notice.

Tenants Purchase Scheme

This mortgage is for individuals who wish to purchase the public estate flats that they are living in through the Tenants Purchase Scheme. It provides a high loan ratio and repayment period of up to 25 years.

Key Features

  • Loan amount up to the balance of the purchase price less Intention Money paid to Hong Kong Housing Authority
  • Repayment period up to 25 years

Related Products

We also provide a selection of home-related insurance and fire insurance products. Please contact us for details.

Remarks: The above information is for reference only. Shanghai Commercial Bank Limited ("the Bank") may at its absolute discretion approve or reject any loan application. The Bank also reserves the right to vary the above offers and/or amend the related terms and conditions at any time without prior notice.



Reminders about Responsible Borrowing
  • You should have a clear understanding of your financial condition, daily expenses, and actual borrowing needs.
  • You should have assessed your repayment ability and avoid over-borrowing.
  • You should repay any outstanding balance on time to avoid late payment charges and additional overdue interest charged by the bank.
  • To borrow or not to borrow? Borrow only if you can repay!
In case you wish to enquire whether a third party is appointed by our Bank for referring credit card or loan application, please contact customer service hot line 2818 0282.
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