SOYO Mortgage Plan

	Special mortgage offers
Rate	As low as H+1.30% (cap2.50%) *With Deposite Linked (P: 5.25%)
NEt Rate (p.a)	As low as 1.50%*
Loan-to-Value Ratio	Up to 90%
Loan Tenor	30 years
Cash Rebate	Up to 1.5%

SOYO Vendor Payment Terms：

Payment Plan	Payment Details	Discount
4(A). Cash or Immediate Mortgage Payment Method – 180 days Completion	Preliminary Deposit：5% Within 5 days after signing of the preliminary agreement：5% Within 180 days after signing of the preliminary agreement：90%	7%
4(B). Stage Payment Method	Preliminary Deposit：5% Within 5 days after signing of the preliminary agreement：5% Within 14 days after the date of the notification to the Purchaser：90%	3%

SOYO Special Offers

雋薈 SOYO	Discount
Mong Konk Metropolis Living Discount	1%
“Dynamic SOYO” Benefit	1%
Home Starter Discount	1%

* For more information, please contact us to get more details.（WHATSAPP: 5662 2730）
** 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 at or below HK$10 million, the maximum loan amount shall calculated at the maximum LTV ratio of 90%. If the property value is above HK$10 million and below HK$11.25 million, the maximum loan amount shall be calculated at the maximum LTV ratio of 80% and up to 90% or capped at HK$9 million, whichever is lower. If the property value is at or above HK$11.25 million and up to HK$12 million, the maximum loan amount shall be calculated at the maximum LTV ratio of 80%. If the property value is at or above HK$12 million and up to HK$19.2 million, the maximum loan amount shall be calculated at the maximum LTV ratio of 50% and up to 80% or capped at HK$9.6 million, whichever is lower.

## 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
https://www.hkmc.com.hk/eng/our_business/mortgage_insurance_programme.html

For more information, please visit Ricacorp website

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

Service Hotline: 2836 6121 / 2836 6183
WHATSAPP: 5662 2730
Email: mortgage@ricacorp.com

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