Property Mortgage
Property Mortgage

Public Finance offers Property Mortgage Loan at preferential interest rates to finance the purchase of properties or to refinance the existing properties in Hong Kong.


The main features of our Property Mortgage Loan :


  • New and aged first-hand and second-hand properties for residential and non-residential units are accepted.
  • New purchase, refinancing, new mortgage and further charge for top-up^ are welcome.
  • Self-occupied and investment properties are covered.
  • Mortgage loan tenor can be up to 30 years.
  • Preferential interest rates*, cash rebate** and waiver of valuation fee are provided.
  • Application is processed in a flexible way.


^Applicable to existing property mortgage loan customer.

*Based on our HKD Prime Rate which is subject to the rate quoted by the Company from time to time.

**Commensurate with the need of mortgage loan.

Application Procedures

The applicant needs to provide the following documents to apply:

  • Identification of applicant / owner.
  • The provisional/formal Sales and Purchase Agreement of the property for new purchase, title documents for unencumbered property or existing mortgage loan repayment record in case of refinancing.
  • Employment and income proof.
  • Residential address proof.


For further queries or details, please call our Property Mortgage Department at 2526 1090.