Whether you are seeking for cash-out refinance, a transfer of mortgage or a high loan-to-value (LTV) ratio property purchase mortgage, Sun Hung Kai Credit offers a variety of first mortgage plans featuring limitless loan amounts up to 85% of LTV, coupled with simplified application process and basic document requirements. Proud to introduce Hong Kong's first*Mortgage Payment Holiday#
2 simple steps and 1 click to get your result
1. Carry out a valuation in real time.
2. Fill in a simple application form.
3. Get your preliminary approval results.
Note*
Preliminary loan result can be only provided once completed "Property Valuation Service"
Please read the following terms before loan application:
(1) Loan application is subject to detailed terms and conditions which may be obtained upon enquiry.
(2) Eligible customers for particular loan products will not be required to pay any administration fees and handling charges, and all legal costs to prepare the Mortgage or Second Mortgage will be paid by the Company. Other customers who are not eligible or suitable for a particular loan product being applied for may be referred or recommended to apply for other loan products for which customers are free to make their own final choice and will be bound by different terms and conditions, including terms requiring payment of legal costs, administration fees and/or handling charges.
(3) Customers are advised to seek their own independent legal advice whenever they deem it necessary.
I confirm that I have read, understood and agreed to the Customer Declaration, Disclaimer and Privacy Policy
No limitation on the type and age of properties
Approval within 24 hours and cash can be ready in 5 days
Flexible repayment terms
No penalty fee for early settlement
No handling fee and solicitor's fee
Free property valuation through online and phone
Please read the following terms before loan application:
(1) Loan application is subject to detailed terms and conditions which may be obtained upon enquiry.
(2) Eligible customers for particular loan products will not be required to pay any administration fees and handling charges, and all legal costs to prepare the Mortgage or Second Mortgage will be paid by the Company. Other customers who are not eligible or suitable for a particular loan product being applied for may be referred or recommended to apply for other loan products for which customers are free to make their own final choice and will be bound by different terms and conditions, including terms requiring payment of legal costs, administration fees and/or handling charges.
(3) Customers are advised to seek their own independent legal advice whenever they deem it necessary.
Sun Hung Kai Credit proudly presents the first* Mortgage Payment Holiday# in Hong Kong – a scheme which allows you to choose to postpone any two monthly instalments every year during the loan period, there's no limit on the loan amount, no handling fee and no penalty charge! You can enjoy more flexibility and be better prepared for any unforeseen circumstances.
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© Copyright Sun Hung Kai Credit Limited 2026
Money Lender’s Licence No.: 0752/2025
Complaint Hotline: 2996 2600
Customer Services Hotline: 2996 2688
Fax: 3514 4275
Our Business Hours: Monday to Friday: 9:00am - 6:15pm
Saturday: 9:30am - 12:30pm
Wanchai Branch (Exit A3 of Convention and Exhibition Station, a 7-minute walk to the branch)
Room 803-805, 8/F, Allied Kajima Building, 138 Gloucester Road, Wanchai, Hong Kong
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Thank you for sharing your loan preference and basic information with us. We have selected the following optimal mortgage solution for your consideration:
Our customer service officer will contact you within the next working day. After receiving your documents, your application will be processed and the final approved loan amount and annual interest rate will be provided to you.
If you need immediate assistance, please contact our customer service officer in the following way.
Customer Services Hotline: 2996 2688
Fax: 3514 4275
I/We declare that all data and information stated by myself/ourselves in this application is true, accurate and complete and I/We have obtained the prior consent of the referee(s) for their information to be provided and used in relation to this application. I/We also declare that I/We have no intention to submit bankruptcy petition in the coming 12 months. I/We understand that I/We may contact Sun Hung Kai Credit Limited ( "the Company" ) to obtain the address of the credit reference agency so as to access for a credit report if I/We shall consider it necessary.
I/We further agree and authorize the Company to:
disclose, exchange all data and information contained herein together with particulars of my/our account(s) with the Company to any credit bureaus or agencies, banks, financial institutions, debt collection agencies or any other information sources for consideration of this application;
access my/our credit data held by the credit reference agency and to obtain a credit report for consideration of this application and/or for further account review which include but not limited to my/our further loan application with the Company through telephone, internet, fax or whatever channels acceptable to the Company. I/We understand and agree that the Company may conduct such reviews to determine if my/our existing credit/loan amount should be increased or decreased or remained unchanged;
approve or decline my/our application at its absolute discretion without stating any reasons and without returning to me/us the copies of supportive documents for this application;
deposit any sum of the loan proceeds to my/our designated bank account previously identified to you at time of application (if any) for loan disbursement;
collect all data that are required to support this application and I/We have been advised of my/our right to access, update or amend such data and information held by the Company or credit reference agency;
use the information provided above for marketing and product development purposes including but not limited to the exchange of information with any selected business partners; and
provide me from time to time with the marketing and product information from the Company through direct contact with me and/or access through any electronic means including but not limited to use of telephone calls, email, fax, SMS/MMS, pre-recorded voice/video messages.
I/We confirm to the following terms and conditions for loan application:
I/We understand that I/We have to make the inquiry for the related loan application in person at the Company's loan branch if:
| (a) |
I/We have entered into or signed any agreement with any person or company (“third party”) for or in relation to the procuring, negotiation, obtaining or application of the loan, guaranteeing or securing the repayment of the loan (other than an agreement with solicitors instructed by the intending borrower for the provision of legal services solely). |
| (b) | I/We have been or will be charged, recovered, demanded or received any fees, charges, reward or consideration by any third party. |
Please note that your above choice applies to the direct marketing of the classes of products, services and/or subjects as set out in the Company's 'Notice to Customers and Other Individuals Relating to the Personal Data (Privacy) Ordinance and the Code of Practice on Consumer Credit Data'Please also refer to the said Notice on the kinds of personal data which may be used in direct marketing and the classes of persons to which your personal data may be provided for them to use in direct marketing.
