Dr Loan 貸款博士Dr Loan貸款博士
Apply now中

Updated: 10 October 2026

Enter property value
see which bank rebates the most

No sign-up. No personal data stored. Verified monthly by hand.

HK$
Loan (70% LTV)
HK$7,000,000
Down payment (30%)
HK$3,000,000

ℹ️ Figures assume a new purchase; for refinance / equity-release use the AI advisor

→ Refinance — open AI advisor→ Equity-release — open AI advisor
Details

Per-bank monthly + MIP figures below assume new purchase. For refinance / equity-release the HKMC MIP rules differ entirely (refi has no MIP; cash-out is capped at 80% / HK$6M / HK$4.8M) — use the AI advisor for an accurate case analysis. MIP premiums at 80% or below use the non-first-time-buyer rate (an upper bound); first-time buyers pay less.

TOP REBATE
Hang Seng BankHang Seng Bank
恒生銀行
🏛️ Bank rebateHK$70,000 (1.00%)
🎁 + Dr Loan referral rebateHK$11,200 (0.16%)
Client gets up to
HK$81,200(1.16%)

*Incl. referral rebate · if one of our people takes the case over, the referral rebate may be reduced or not apply

H Plan
H + 1.30%
(cap P − 1.75%)
≈ 3.25% effective
Monthly (30 yr)
~HK$30,464

Green mortgage +HK$10,000

Apply via AI advisor →or ask via WhatsApp
Bank of China (HK)Bank of China (HK)
中銀香港
🏛️ Bank rebateHK$63,000 (0.90%)
🎁 + Dr Loan referral rebateHK$11,200 (0.16%)
Client gets up to
HK$74,200(1.06%)

*Incl. referral rebate · if one of our people takes the case over, the referral rebate may be reduced or not apply

H Plan
H + 1.30%
(cap P − 1.75%)
≈ 3.25% effective
Monthly (30 yr)
~HK$30,464

Base rebate plan

Apply via AI advisor →or ask via WhatsApp
Standard CharteredStandard Chartered
渣打銀行
🏛️ Bank rebateHK$63,000 (0.90%)
🎁 + Dr Loan referral rebateHK$11,200 (0.16%)
Client gets up to
HK$74,200(1.06%)

*Incl. referral rebate · if one of our people takes the case over, the referral rebate may be reduced or not apply

H Plan
H + 1.30%
(cap P − 1.75%)
≈ 3.25% effective
Monthly (30 yr)
~HK$30,464

Base rebate plan

Apply via AI advisor →or ask via WhatsApp

Estimated extra costs

  • Stamp Duty (AVD)
    $9M-$10.08M smoothing · IRD
    ~ HK$370,000
  • Legal fees (sale + mortgage)
    ~ HK$10,000
  • Agent commission (~ 1%)
    Property value ~ HK$10,000,000
    ~ HK$100,000
  • Total (upfront cash)
    * Down payment separate
    ~ HK$480,000

* Reference estimate. Actual per invoice & bank approval.

Want to know if you qualify and which bank pays the highest rebate? AI assessment →

Manually verified each month by Dr Loan research team

* Data updated monthly, for reference only. Actual rebates, rates and terms subject to final bank approval. Dr Loan is a mortgage referral agency, not a direct lender. "Client receives" includes the Dr Loan referral rebate. The referral rebate is on the basis that you run the mortgage yourself from start to finish; if one of our people takes the case over for you, the rebate may be reduced or not apply (the bank's own rebate still counts).