The Harmonie Mortgage Plan

The Harmonie Mortgage Plan:

	Special mortgage offers
Rate	As low as H+1.30% (cap2.50%) *With Deposite Linked
Net Rate (p.a)	As low as 1.45%*
Loan-to-Value Ratio	Up to 90%
Loan Tenor	30 years
Cash Rebate	Up to 1.5%

* For more information, please contact us to get more details.(WHATSAPP: 5662 2730)

# 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

The Harmonie Vendor Payment Terms：

Payment Plan	Payment Details	Discount
(A1) Cash or Immediate Mortgage Payment Plan – 100 days Completion	Preliminary Deposit：5% Within 30 days after signing of the preliminary agreement : 5% Within 100 days after signing of the preliminary agreement : 90%	5%
(A2) Privilege Mortgage Payment Plan – 100 days Completion (*Only available to the first hand purchasers)	Preliminary Deposit：5% Within 30 days after signing of the preliminary agreement : 5% Within 100 days after signing of the preliminary agreement : 90%	4%
(B1) Cash or Immediate Mortgage Payment Plan – 200 days Completion : 4% discount from the price	Preliminary Deposit：5% Within 30 days after signing of the preliminary agreement : 5% Within 200 days after signing of the preliminary agreement : 90%	4%
(B2) Privilege Mortgage Payment Plan – 200 days Completion (*Only available to the first hand purchasers)	Preliminary Deposit：5% Within 30 days after signing of the preliminary agreement : 5% Within 200 days after signing of the preliminary agreement : 90%	3%
(C1) Stage Payment Plan	Preliminary Deposit：5% Within 30 days after signing of the preliminary agreement : 5% Within 14 days after the date of the notification to the Purchaser：90%	1%
(C2) Privilege Mortgage Stage Payment Plan (*Only available to the first hand purchasers)	Preliminary Deposit：5% Within 30 days after signing of the preliminary agreement : 5% Within 14 days after the date of the notification to the Purchaser：90%	—
(S) Flat for Flat Scheme Stage Payment Plan (*Only available to the purchaser of the specified residential properties set out in Part 2 of this price list and marked with “#” sign (i.e. Flat 5A and Flat 6A))	For further information please refer to the sales brochure for the Development	—

The Harmonie The first mortgage loan offer:

Payment Plan	Only for (A2 – 100Days) / (B2- 200Days)	Only for (C2)
Rate	First 3 years P-2% 4th to 5th year P-1% Thereafter P+1	First 2 years P-2% 3rd year P-1% Thereafter P+1%
Loan Amount	Up to 85% of purchase price	Up to 85% of purchase price
Loan Tenor	▲ 30 years	▲ 30 years

The Harmonie The second mortgage loan offer:

Payment Plan	Only for (A2 – 100Days) / (B2- 200Days)	Only for (C2)
Rate	First 3 years P-2% 4th to 5th year P-1% Thereafter P+1	First 2 years P-2% 3rd year P-1% Thereafter P+1%
Loan Amont	the maximum amount of second mortgage offered shall not exceed 40% of the purchase price, and the total amount of first mortgage and second mortgage offered shall not exceed 90% of the purchase price	the maximum amount of second mortgage offered shall not exceed 40% of the purchase price, and the total amount of first mortgage and second mortgage offered shall not exceed 90% of the purchase price
Loan Tenor	▲ 30 years	▲ 30 years

For more information, please visit Ricacorp website

---

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

---