Premium Mortgage

With a premium mortgage, you receive preferential interest returns to your loan repayment account, offsetting your interest expenses and reducing your monthly repayment burden.

Key Features

  • Enjoy a preferential interest rate on your loan repayment account, which is the same as the interest rate for mortgage loan, to offset your interest expenses (applicable to deposits with a maximum of 50% of the outstanding mortgage loan principal or HK$5 million, whichever is lower)
  • Repayment period up to 30 years to reduce your monthly payments
  • Enjoy an annual fee waiver

Key Facts Statement

For details, please click here

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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