#8
Citibank Hong Kong HIBOR Smart Mortgage Plan
H+1.30% (Cap 3.50%)(HK$3.5)
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Citibank Hong Kong HIBOR Smart Mortgage Plan (花旗香港 HIBOR 智選按揭計劃) by Citibank Hong Kong pairs a H+1.30% HIBOR rate with a P - 2.00% (Large P benchmark) cap (~3.50% effective ceiling) and up to 0.80% cash rebate.
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View canonical entity profile (2 lists) →Citibank Hong Kong HIBOR Smart Mortgage Plan (花旗香港 HIBOR 智選按揭計劃) by Citibank Hong Kong pairs a H+1.30% HIBOR rate with a P - 2.00% (Large P benchmark) cap (~3.50% effective ceiling) and up to 0.80% cash rebate.
Key Metrics
Lender
Citibank Hong Kong
HIBOR Spread
H +: 1.30%
Prime Rate Cap
P - 2.00% (Large P benchmark)
Effective Cap Ceiling
3.50% p.a.
Bank Cash Rebate
Up to 0.80%
Lock-In Period
2 years
Deposit-Link Offset
Dynamic offset deposit & Citigold wealth relationship integration
Pros and Cons
Pros
- Flexible foreign-currency/bonus income underwriting for expats & Citigold clients
- counts offsetting assets cleanly
Cons
- Best rebate tiers target loans >= HK$8M
- less active on older walk-up tenements
Eligibility
- Maximum 0.80% cash rebate applies from HK$8,000,000 loan size
- subject to HKMA LTV & debt-servicing underwriting and 2-year lock-in period
Things to Watch Out For
- Best rebate tiers target loans >= HK$8M
- less active on older walk-up tenements
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