Mortgage Plan - Choose your Mortgage

Various mortgage options that best fit your needs

Citi provides various mortgage solutions that suit your financial needs. Compare our mortgage options to find the best fit.

Each mortgage plan comes with several benefits that can help you fulfil your dream of owning a house or property. From earning higher deposit interest rate and lower mortgage lending rate to property refinancing options, Citibank’s mortgage plans are uniquely designed to cater to your needs.

Choose your right mortgage solutions

HIBOR
Deposit-
Linked
Mortgage

DETAILS

Prime
Deposit-
Linked
Mortgage

HIBOR Mortgage

Prime-Based Mortgage

Home Smart Mortgage

Mortgage Further Advance / Property Refinancing

DETAILS

Your Objectives/ Needs
Want to have flexible financial planning	Have regular savings	Can afford to take rate and repayment amount fluctuations	Prefer to have more stable repayment plan	Have idle cash to put into the home smart account Want to shorten repayment period	Turn property value increase into greater cash flow
Benefits
Earn a higher deposit interest rate with a lower mortgage lending rate	Earn a higher deposit interest rate than normal	Lock up the interest rate risk with a Prime-based interest rate cap	More stable repayment period and lowers the risks of interest rate fluctuations in the short term	Reduce interest costs and shorten loan repayment period	Pay off your loan faster and consolidate your debts

*We also provide 90% Mortgage plan. DETAILS

HIBOR Deposit-Linked Mortgage DETAILS		Your Objectives/ Needs ﹕ Want to have flexible financial planning Earn higher deposit rate with lower mortgage rate during low interest rate environment
Prime Deposit-Linked Mortgage DETAILS		Your Objectives/ Needs ﹕ Have regular savings Earn higher deposit rate than normal
HIBOR Mortgage DETAILS		Your Objectives/ Needs﹕ Can afford to take rate and repayment amount fluctuations Take advantage of market interest rate movements
Prime-Based Mortgage DETAILS		Your Objectives/ Needs﹕ Prefer to have more stable repayment plan More stable repayment period and lowers the risks of interest rate fluctuations in the short term
Home Smart Mortgage DETAILS		Your Objectives/ Needs﹕ Have idle cash to put into the home smart account; Want to shorten repayment period Save interest expense and shorten loan repayment period
Mortgage Further Advance / Property Refinancing DETAILS		Your Objectives/ Needs﹕ Turn property value increase into greater cash flow ; Save on interest payment; enjoy cash rebates and other offers