HIBOR-linked Mortgage Loan


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HIBOR-linked Mortgage Loan

Follow closely market interest rate movement to save you more on interest expenses. Our dedicated customer service officers will follow-up your loan application.


● Smart Tip - Key Facts Statement, Terms and Conditions

Different HIBOR periods available

OCBC Credit provides HIBOR periods of 1, 3, 6 or 12 months for you to choose. The mortgage interest rate of each fixed HIBOR period is based on the Hong Kong Interbank Offered Rate (HIBOR) of the corresponding period and is not affected by the fluctuations in market interest rates during the period.

Better protection with interest rate cap

Upon renewal, the mortgage interest rate will be reset based on an automatic comparison between the HIBOR and the capped interest rate. Whichever lower will be your actual mortgage rate, giving you greater financial protection.


Required Documents for Loan Application

  • Personal Identification Document: HKID card or passport
  • Income Proof: Recent pay slip, your bank statement or bank book (with your name and account number) showing your recent income, your recent income tax bill, proof of your last MPF contribution, employment letter or contract, etc.
  • Address Proof: Recent bank statement, credit card statement, water bill, telephone bill etc. If your address is shown on your income proof, you will be exempted from submitting the address proof.
  • Other documents (if necessary)
  • For more details, please click here



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Hong Kong

Central: (+852) 2201 7800

North Point: (+852) 2201 7822

Wanchai: (+852) 2201 7799



Tsim Sha Tsui: (+852) 2201 7900

Kwun Tong: (+852) 2201 7878 

Prince Edward: (+852) 2201 7866


New Territories

Tsuen Wan: (+852) 2201 7988

Tai Po: (+852) 2201 7966

Kwai Fong: (+852) 2201 7933

Notes regarding the HIBOR-linked Mortgage Loan:


You can enquire the details of Mortgage Loan and the appointed third party referral agencies of our company through Mortgage Loan Centre Hotline.


Hong Kong Interbank Offered Rate is determined by OCBC Credit (Hong Kong) Limited at its reasonable discretion from time to time for Hong Kong Dollars (with reference to the relevant rate published by The Hong Kong Association of Banks rounding up to the nearest 5 decimal places or such other rates as OCBC Credit (Hong Kong) Limited at its reasonable discretion) and the above information is for reference only.

The above loan product and offer are bound by the applicable terms and conditions. Please contact the staff of the Company for details.


OCBC Credit (Hong Kong) Limited (“Company”) is the wholly-owned subsidiary of OCBC Bank (Hong Kong) Limited . The Company is the entity which processes the application of the HIBOR-linked Mortgage Loan and provides related loan services. Customer can submit application through the branches of the Company and OCBC Bank (Hong Kong) Limited . To enquire the relevant terms and conditions, please contact the staff of the Company.


Before you make request for early repayment for Instalment loan, please refer to "FAQ" of this website.


For details or enquiries about the related terms and conditions, please contact us.


To borrow or not to borrow? Borrow only if you can repay!

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