SkyeHi Mortgage Plan

SkyeHi Mortgage Plan:

	SkyeHi Special mortgage offers:
Rate	As low as H+1.30% (cap2.50%) *With Deposite Linked
Net Rate (p.a)	As low as 1.38%^
Loan-to-Value Ratio	Up to 90%
Loan Tenor	up to 30 years
Cash Rebate	Up to 1.2%

SkyeHi Vendor Payment Terms：

Payment Plan	Payment Details	Discount
(A)180 Immediate Mortgage Payment	A preliminary deposit：5% Within 60 days after signing of the preliminary agreement：5% Within 180 days after signing of the preliminary agreement：90%	7%
(B)180 Easy Immediate Mortgage Payment	A preliminary deposit：5% Within 60 days after signing of the preliminary agreement：5% Within 180 days after signing of the preliminary agreement：90%	5%
(C) 360 Immediate Mortgage Payment	A preliminary deposit：5% Within 60 days after signing of the preliminary agreement：5% Within 360 days after signing of the preliminary agreement/ Within 14 days after the date of the notification to the Purchaser：90% (whichever is earlier)	6%
(D) 360 Easy Immediate Mortgage Payment	A preliminary deposit：5% Within 60 days after signing of the preliminary agreement：5% Within 360 days after signing of the preliminary agreement/ Within 14 days after the date of the notification to the Purchaser：90% (whichever is earlier)	4%
(E) Stage Payment	A preliminary deposit：5% Within 60 days after signing of the preliminary agreement：5% Within 14 days after the date of the notification to the Purchaser：90%	1%

SkyeHi Discount

SkyeHi	Discount
K&K Club	3%
Time Limit Discount (Where the PASP is signed on or before 31 August 2021)	3%
Full Opening of Tuen Ma Line Discount	3%

Standby Second Mortgage Loan offered by the Vendor#:{FOR Payment Plan (B) and (D)}

Rate	First 4 years：P-2.5% Thereafter：P + 1% *P (Currently P=5%)
Loan Amount	total amount of first and second mortgage loan together shall not exceed 85% of the purchase price
Loan Tenor	▲ not exceed 30 years

For more information, please visit Ricacorp website

** The above information is for reference only, for further information please refer to the sales brochure for the Development。

# 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%.

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

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Ricacorp Mortgage Agency provide one-stop mortgage referral services including free referrals, personalised advice on mortgage choices and end-to-end mortgage application service.

Service Hotline: 2836 6121 / 2836 6183
WHATSAPP: 9608 3114
Email: mortgage@ricacorp.com

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