You're about to leave our website

This hyperlink will bring to you to another website on the Internet, which is published and operated by a third party which is not owned, controlled or affiliated with or in any way related to Standard Chartered Bank (Hong Kong) Limited or any member of Standard Chartered Group ( the "Bank").

The hyperlink is provided for your convenience and presented for information purposes only. The provision of the hyperlink does not constitute endorsement, recommendation, approval, warranty or representation, express or implied, by the Bank of any third party or the hypertext link, product, service or information contained or available therein.

The Bank does not have any control (editorial or otherwise) over the linked third party website and is not in any way responsible for the contents available therein. You use or follow this link at your own risk. To the extent permissible by law, the Bank shall not be responsible for any damage or losses incurred or suffered by you arising out of or in connection with your use of the link.

Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the terms of use and privacy policies of the third party website that you are going to visit.


Proceed to third party website

Fixed Rate Mortgage Plan helps you lower the risk with fluctuations of Mortgage interest rate, and have a better planning on the financing budget.

Apply Now
hands holding a piggy bank and a house model

Fixed Rate Mortgage Plan helps you lower the risk with fluctuations of Mortgage interest rate, and have a better planning on the financing budget.

Fixed Rate Mortgage Plan

Standard Chartered offers a Fixed Rate Mortgage Plan that allows you to enjoy a predictable monthly repayment amount in the first 2 or 3 years. You will no longer worry from the interest rate fluctuations during the Fixed-Rate Period.

Fixed Rate Mortgage Plan

photos, passport, map, and a hand holding a key with a house keychain

Terms and conditions of Fixed Rate Mortgage Plan

  1. To apply for the Fixed Rate Mortgage Plan with Standard Chartered Bank (Hong Kong) Limited (the “Bank”), the client shall:-
    1. submit an application form for the Fixed Rate Mortgage Plan to the Bank on or before 31 December 2024 and drawdown the Mortgage Loan on or before 28 February 2025; and
    2. the drawdown loan amount must be at least HKD1,000,000 and must not exceed HKD20,000,000.
  2. The Fixed Rate Mortgage Plan is not applicable to certain types of Mortgage Loans, as may be determined by the Bank in its sole discretion from time to time. Please contact the Bank for details. Some examples of Mortgage Loans or schemes that are not eligible for the Fixed Rate Mortgage Plan are as follow:
    1. All Subsidised Scheme Loans provided by the Hong Kong Housing Authority, the Hong Kong Housing Society, the Urban Renewal Authority, or other similar Government Schemes
    2. Home Loan Interest Subsidy Scheme of the Hospital Authority
    3. Loan conversion from existing Mortgage Loans within penalty period
    4. Commercial Property
    5. Stand Alone car park
    6. Greater Bay Area Property
  3. Fixed Rate Mortgage Plan cannot be used in conjunction with MortgageOne® , Mortgage $aver and Deposit Linked Mortgage.
  4. If the client applies for a Green Mortgage with Fixed Rate Mortgage Plan, the client is not entitled to any Privileges offered from Green Mortgage Plan. For details about Privileges offered from Green Mortgage Plan, please refer to relevant information or contact the Bank for details.
  5. Fixed Rate Mortgage Plan is a limited offer on a first-come-first served basis and the Bank may cease accepting application for the Fixed Rate Mortgage Plan without prior notice if the quota is full.
  6. The borrower(s) will be liable to pay an early redemption charge if the Mortgage Loan is fully repaid within the first 2 or 3 years from the drawdown date (“Fixed Rate Period”) and details of such charge will be stated in the Letter of Offer.
  7. The borrower(s) will be liable to pay the partial prepayment fee if part of the Mortgage Loan is repaid early during the Fixed Rate Period. The fee includes the partial prepayment charge as stated in the Letter of Offer for each partial prepayment request.
  8. After the Fixed Rate Period ends, the Fixed Rate Mortgage Plan will be converted into a Conventional Mortgage Plan based on the prevailing Prime Rate. If you want to convert the Conventional Mortgage Plan to another type of mortgage plan with the Bank, please contact the Bank to submit an application accordingly.
  9. The applicable interest rate may vary for different customers or may be increased or decreased at any time at the sole discretion of the Bank. The borrower(s) must maintain a good repayment record for the whole tenor, otherwise the Bank reserves the right to adjust the interest rate.
  10. The application for and the terms and conditions of the Fixed Rate Mortgage Plan loan including but not limited to loan amount, interest rate, tenor are subject to final approval of the Bank.
  11. The Fixed Rate Mortgage Plan is subject to other relevant terms and conditions, including but not limited to the Mortgage Facility Terms, Client Terms and Service Charge Booklet.
  12. The Bank reserves the right to terminate, extend and/or vary the offer or alter any of the terms and conditions at any time. In case of disputes, the decision of the Bank shall be final and conclusive.
  13. If there is any inconsistency or conflict between the English and Chinese versions, the English version shall prevail.

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