Dr Loan 貸款博士Dr Loan貸款博士
Rebate中

Updated: 28 May 2026

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see which bank rebates the most

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

ℹ️ Comparison assumes new purchase

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.

→ Refinance — open AI advisor→ Equity-release — open AI advisor
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: self-serve only; bank rebate only once our staff step in

H Plan
H + 1.30%
≈ 3.88% effective
Monthly (30 yr)
~HK$32,952

Fire ins. 3 yr · Home ins. 1 yr · Green mortgage +HK$10,000

Apply via AI advisor →or ask via WhatsApp
IICBC
工商銀行
🏛️ Bank rebateHK$70,000 (1.00%)
🎁 + Dr Loan referral rebateHK$11,900 (0.17%)
Client gets up to
HK$81,900 (1.17%)

*Incl. referral rebate: self-serve only; bank rebate only once our staff step in

H Plan
H + 1.30%
≈ 3.88% effective
Monthly (30 yr)
~HK$32,952

Fire ins. 3 yr

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: self-serve only; bank rebate only once our staff step in

H Plan
H + 1.30%
≈ 3.88% effective
Monthly (30 yr)
~HK$32,952

Fire ins. 3 yr

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.

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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, which applies only if the client completes the whole mortgage themselves; it does not apply once our staff step in (the bank's own rebate is unaffected).