Features
Home Ownership Scheme
- Receive a maximum loan amount equal to 95% (green form) or 90% (white form) of the property value
- Choose from loan tenors up to 30 years
Sandwich Class Housing Scheme
- Receive a maximum loan amount equal to 90% of the property value
- Choose from loan tenors up to 30 years
Tenants Purchase Scheme
- Receive a maximum loan amount up to 100% of the property's purchase price (excluding deposit / intention money paid to the Hong Kong Housing Authority), and choose from loan tenors up to 30 years
- Enjoy no partial repayment charge or early redemption fee
Payment Arrangement for Property Transactions ("PAPT")
- Applies to sale and purchase (S&P) of residential properties in Hong Kong's secondary market (including car parking space in a residential building whether independently or together with a residential unit)
- To enhance protection and efficiency of payment
(effect from 28 Feb 2026)
Tool
To borrow or not to borrow? Borrow only if you can repay!
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Subject to relevant terms and conditions, please click here.
- The Residential Mortgage Plan offers are applicable to residential estates that are registered under an individual name. For enquiries, please check with our staff at branches of Dah Sing Bank, Limited ("the Bank").
- "P" refers to the prevailing HKD Prime Rate quoted by the Bank from time to time.
- The Hong Kong Interbank Offered Rate (HIBOR) is the reference rate for the HIBOR Mortgage Plan.
- The offer of Sandwich Class Housing Scheme is only applicable to Sandwich Class Housing Scheme refinancing mortgage loan application.
- The above information is for reference only. The mortgage loan shall be subject to the terms and conditions as set out in the facility letter signed by the customer.
- The Bank reserves the right to revise or cancel the above offers and/or amend the terms and conditions at any time without prior notice.
- The above mortgage plans are subject to relevant terms and conditions. Please contact our staff at branches of the Bank for details.
- For mortgage loan applications, the Bank reserves the right for final approval.
- The offer of "Free Fire Insurance for the First Year" is valid until 31 Dec 2026. The offer of "Household Insurance Plan" is valid until 30 Jun 2026. The above offers are only applicable to customers who successfully draw down a residential mortgage loan and are insured with Dah Sing Insurance Company Limited. For the terms and conditions of the "Free Fire Insurance for the First Year" offer, please contact our staff at branches of the Bank for details; For the terms and conditions of "Household Insurance Plan" offer, please click here for details.
Other Products and Offers
