Regency Bay II Preferential Mortgage Plan

	Preferential Mortgage Plan
Rate	As low as H+1.30% (cap 2.50%) *Enjoy Mortgage-Link Account
Net Rate (p.a.)	As low as 1.4%^
Loan-to-Value Ratio	up to 90%
Loan Tenor	30 years
Cash Rebate	up to 1.4%

Vendor Payment Terms：

Payment Plan	Payment detail	Discount
A1.60 Days Payment Plan	A preliminary deposit：5% 60 days after the date of signing of the preliminary agreement：95%	9%
B1. 90 Days Payment Plan	A preliminary deposit：5% 75 days after the date of signing of the preliminary agreeme：5% 90 days after the date of signing of the preliminary agreement：90%	8%
C1. 360 Days Payment Plan	A preliminary deposit：5% 75 days after the date of signing of the preliminary agreement：5% 210 days after the date of signing of the preliminary agreement：5% 360 days after the date of signing of the preliminary agreement：85%	6%

Payment Plan Benefit	Discount
1. Home Purchase Price Discount	8%
2. Special Discount	4% (A1) 2% (B1, C1)
3. Stamp Duty Offer(s)	equal to 9% of the purchase price.
4. SHKP Club Member	1%
5. Extra 1% Cash Rebate (only applicable to the Purchaser who is an individual)	1%
6. Wedding Bliss Cash Rebate (only applicable to the Purchaser who is an individual)#	HK$10,888

Standby First Mortgage Loan offered by the Vendor:

loan amount	maximum 70% of the net purchase price	maximum 75% of the net purchase price
Rate	first 3 Years P-2.85% thereafter P+1% (P=5%)	first 3 Years P-2.35% thereafter P+1% (P=5%)
Loan Tenor	▲ maximum 25 years	▲ maximum 25 years

Second Mortgage Loan:

loan amount	maximum 25% of the net purchase price ( first mortgage+ Second Mortgage not exceed 75% of the net purchase price)	maximum 20% of the net purchase price ( first mortgage+ Second Mortgage not exceed 75% of the net purchase price)
Rate	P-2.5% (P=5%) interest rate shall not be less than 1%	first 5 years P-2.75% thereafter P-2.5% (P=5%) interest rate shall not be less than 1%
Loan Tenor	▲maximum 25 years	▲ maximum 25 years

The Purchaser can apply to the Vendor’s designated financing company (“designated financing company”) for the Regency 120s，For details please contact us。(2836 6121 / 2836 6183)

** The above information is for reference only, and subject to the latest announcement of HKMA & HKMC.

# For completed residential properties with property value below HK$9 million, the maximum loan amount shall either be (a) calculated at the maximum LTV ratio of 80% and up to 90% or (b) capped at HK$7.2 million, whichever is lower. If the property value is at or above HK$9 million (up to the cap of HK$10 million), the maximum loan amount shall be calculated at the maximum LTV ratio of 80%. If the property value is at or above HK$10 million, the maximum loan amount shall be calculated at the maximum LTV ratio of 50%

##  For properties with property value is at or above HK$4.5 million (up to the cap of HK$6 million), the maximum loan amount shall be calculated at the maximum LTV ratio of 80%. If the property value is at or below HK$10 million, the maximum loan amount shall be calculated at the maximum LTV ratio of 60%, the property value is above HK$10 million, the maximum loan amount shall be calculated at the maximum LTV ratio of 50%.

You can refer to the “Maximum LTV Ratio” of the HKMCI website for details. http://www.hkmc.com.hk/eng/our_business/mortgage_insurance_programme.html

For more information, please visit our website

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Contact us by phone or whatsapp anytime
Service Hotline: 2836 6121 / 2836 6183
WHATSAPP: 9608 3114

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