Dah Sing Bank
 
Terms and Conditions:
  1. The above mortgage plan, terms and conditions and interest rates is subject to relevant terms and conditions. Actual and final mortgage loan offer is subject to relevant terms and conditions agreed between the Dah Sing Bank, Limited (the "Bank") and customers.
  2. The Bank reserves the right to revise the above offers and terms at any time without prior notice.
  3. Repayment must be made with the Mortgage 1+1 current account.
  4. Mortgage1+1 Account offers a deposit interest rate equivalent to the mortgage interest rate. The maximum deposit amount of Mortgage 1+1 Account eligible to entitle deposit interest will be adjusted according to the outstanding principal amount of the mortgage account. No interest will be paid for excess deposits. For VIP customer's Mortgage 1+1 Account, the maximum deposit amount eligible to entitle deposit interest will be equaled to 60% or less of the outstanding loan amount in the mortgage account. For general customer's Mortgage 1+1 Account, the maximum deposit amount eligible to entitle deposit interest will be equaled to 50% or less of the outstanding loan amount in the mortgage account.
  5. For mortgage loan amount exceeds 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 Programme at their own cost. HKMC's Mortgage Insurance Programme is not applicable to Mortgage 1+1 account with 60% preferential deposit balance cap.
  6. A handling fee will be charged for the Bank's existing mortgage customers who want to transfer to Mortgage 1+1 Account. Please contact any branches for details.
  7. The Mortgage 1+1 current account will not be entitled to any deposit interest upon mortgage payment default. Please contact any branches for details.
  8. Excluding deposit/intention money paid to the Hong Kong Housing Authority.
  9. The approval of credit card will be processed separately and after the drawdown of the mortgage loan. The Bank reserves the right for final approval.
  10. The offers for Household Contents Insurance are valid until 31 December 2014. The above insurance offers are only applicable to customers insured with Dah Sing Insurance Company (1976) Limited. Please contact our staff at any branches for details about the above offers and terms.