#3
Standard Chartered HIBOR MortgageOne Plan
H+1.30% (Cap 3.50%)(HK$3.5)
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Standard Chartered HIBOR MortgageOne Plan (渣打 HIBOR MortgageOne 增值按揭計劃) by Standard Chartered Hong Kong pairs a H+1.30% HIBOR rate with a P - 2.00% (Large P benchmark; effective cap aligned ~3.50%) cap (~3.50% effective ceiling) and up to 0.90% cash rebate.
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View canonical entity profile (2 lists) →Standard Chartered HIBOR MortgageOne Plan (渣打 HIBOR MortgageOne 增值按揭計劃) by Standard Chartered Hong Kong pairs a H+1.30% HIBOR rate with a P - 2.00% (Large P benchmark; effective cap aligned ~3.50%) cap (~3.50% effective ceiling) and up to 0.90% cash rebate.
Key Metrics
Lender
Standard Chartered Hong Kong
HIBOR Spread
H +: 1.30%
Prime Rate Cap
P - 2.00% (Large P benchmark; effective cap aligned ~3.50%)
Effective Cap Ceiling
3.50% p.a.
Bank Cash Rebate
Up to 0.90%
Lock-In Period
2 years
Deposit-Link Offset
MortgageOne offset up to 50% of loan balance directly reduces interest
Pros and Cons
Pros
- Aggressive big-loan cash rebates (raised for HK$6M–HK$10M+ drawdowns)
- MortgageOne offset that shortens loan tenor automatically
Cons
- Uses Large-P reference rate (requires checking P-2.00% vs Small-P P-1.75% parity)
Eligibility
- Maximum 0.90% cash rebate applies from HK$6,000,000 loan size
- subject to HKMA LTV & debt-servicing underwriting and 2-year lock-in period
Things to Watch Out For
- Uses Large-P reference rate (requires checking P-2.00% vs Small-P P-1.75% parity)
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