How much could I save with a Deposit-linked Mortgage

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How much could I save with a Deposit-linked Mortgage

Find out how much interest expense you can save

 

Enter current details

Current repayment frequency

Monthly

HKD

HKD

HKD

Enter interest rate information (% p.a.)

%

%

%

Find out how much interest expense you can save

  Deposit-linked mortgage Standard mortgage
Number of mortgage instalments    
Mortgage loan interest rate (p.a) % %
Savings deposit interest rate (p.a) % %
Mortgage instalment (HKD) HKD HKD
Mortgage interest payment for entire loan period (HKD) HKD HKD
Savings interest rate for entire loan period (HKD) HKD HKD
Net interest expenses (HKD) HKD HKD
Your savings on net interest expenses:

Important Message

All the information is for reference only. The interest rates used are for simulation purpose only and may not be the current interest rates applicable to the actual loan. The actual mortgage instalment, mortgage interest payment and savings interest return for entire loan tenor may vary. To illustrate the effect of rising interest rate, on loan repayment and savings investment return, other interest rates can be used in this simulation. Customers should note that the interest rates are subject to change and the interest rates quoted here may not be the same as interest rates applicable to their loan and deposit. This simulation does not constitute an offer of credit facilities. For full details of Terms & Conditions and relevant Fees & Charges of the bank loan products, please contact our HSBC staff.

Notes

  1. Under the following circumstances, the preferential interest rate will cease and savings interest will accrue on the total credit balance under the Integrated Account Terms & Conditions:
    • Default in mortgage payment
    • Full repayment of mortgage loan at any time
  2. Interest is calculated on a daily basis.
  3. It is assumed that the starting date in calculation the interest shall be the month in which the mortgage planner is being used by customers, commencing from the first day of the month.
  4. The preferential interest rate is applicable only to Hong Kong dollar savings accounts held by HSBC Premier, HSBC One and Personal Integrated Account customers. It applies only for the saving deposit balance up to 50% of the outstanding principal amount of the mortgage loan. For full details about Hong Kong dollar savings interest, please contact our HSBC staff.
  5. The above calculation is based on one deposit-linked account designated for one Deposit-linked mortgage repayment loan.

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