DBS Hong Kong HIBOR Home Advice Mortgage

H+1.30% (Cap 3.50%)(HK$3.5)

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DBS Hong Kong HIBOR Home Advice Mortgage (星展香港 HIBOR 定息/H按置業計劃) by DBS Bank (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 0.75% cash rebate.

Source: DBS Bank (Hong Kong)

Key Metrics

Lender

DBS Bank (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 0.75%

Lock-In Period

2 years

Deposit-Link Offset

High-yield offset savings link up to 50% of outstanding balance

Pros and Cons

Pros

Strong asset-based LTV underwriting
fast refinancing top-up processing for DBS Treasures clients

Cons

Subsidized HOS second-market coverage narrower than HSBC/Hang Seng/BOCHK

Eligibility

Maximum 0.75% cash rebate applies from HK$5,000,000 loan size
subject to HKMA LTV & debt-servicing underwriting and 2-year lock-in period

Things to Watch Out For

Subsidized HOS second-market coverage narrower than HSBC/Hang Seng/BOCHK

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