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Basic Mortgage
Mortgage Calculator
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Valuation
Property type
If this website fails to provide the property valuation you need, please select "Other" to manually enter the property address.
Mortgage Process
Verbal valuation and pre-approval
To avoid the problem of undervaluation, you should do a verbal valuation and pre-approval by mReferral or bank before signing the contract.
Mortgage Process
Sign the Provisional Agreement for Sale and Purchase
To avoid the problem of undervaluation, you should do a verbal valuation and pre-approval by mReferral or bank before signing the contract.
Mortgage Process
Seek advice from mReferral
Apply for a mortgage loan from at least three banks. If you want to apply in one go, mReferral would definitely help.
Mortgage Process
Submit documents
Provisional Agreement for Sale and Purchase, copy of ID card of borrower and guarantor (if any), income proof, e.g. employment contract/latest salary slip, bank book/statements showing salary income or latest tax demand note
Mortgage Process
Bank approves mortgage application
It usually takes a week to a month for the bank to approve a mortgage. Compare and choose the bank with the most suitable terms, and sign the letter of loan offer with bank. The bank will send a letter to your law firm to inform the lawyer to prepare the mortgage deed.
Mortgage Process
Sign documents at law firm
Before the transaction day, the buyer and the guarantor (if any) go to the law firm to sign the mortgage deed and other documents required by the bank.
Mortgage Process
Complete transaction
The law firm informs the bank that the bank will deliver the loan to the law firm to arrange delivery to the seller, and the transaction is completed. After the transaction is completed, the bank will issue a cash rebate for the mortgage within one month. In addition, a repayment process table will be sent to inform customers of the detailed information of the principal, interest and balance of the monthly payment.
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Credit Card Comparison

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sim World Mastercard®️
$150000

    Gift Options

    HK$300 Apple Store Gift Card + HK$50 cash rebate*; or
    HK$300 Wellcome Shopping Voucher + HK$50 cash rebate*


    Terms & Conditions
    MoneyHero Time-limited Exclusive Offer

    From 2 September 2024 6 p.m. till 30 September 2024 6 p.m.: New 「sim Credit Card」Cardholders who have successfully applied and activated physical card via MoneyHero to get HK$300 Apple Store Gift Card OR HK$300 Wellcome Shopping Voucher without any transaction requirement.
    *Complete digital ID verification within 3 hours after application: additional HK$50 Cash Rebate (provided by sim)
    Successfully complete the reward form within 7 days after applying
    By 31 October 2024: Application successfully approved
    MoneyHero Limited-Time Exclusive Offer is applicable to all new card holders
     

    How to redeem MoneyHero exclusive offer?
    Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up
    Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
    Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process
    MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, sim Credit Card has no relation with its redemption, usage and dispute
     

    Terms and Conditions apply
    The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward

    Hang Seng Travel+ Visa Signature Card
    • [Valid until 15 October 2024, 6pm] HK$200 Wellcome Shopping Voucher
    $150000
    Min. Annual Income
    7%
    Cashback Overseas
    5%
    Cashback Dining

      MoneyHero Exclusive Offer
      Gift Options

      HK$200 Wellcome Shopping Voucher
      Terms & Conditions
      From 30 September 2024, 6 p.m. to 15 October 2024, 6 p.m.

      • New or Existing Hang Seng Bank Credit Card cardholders who successfully apply for participating credit cards via MoneyHero are entitled to HK$200 Wellcome Shopping Voucher

      Important dates :

      • Within 30 days after card issuance: The card must be approved by Hang Seng.
      • How to redeem MoneyHero exclusive offer?
        • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
        • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with Hang Seng Bank.
        • Tips: If you apply over the phone, please remember to download the Hang Seng Mobile App first, then apply through the link, and you will be entitled to receive the MoneyHero Reward if you spend the designated amount within a certain number of days after card approval.
      • Tips:
        • Please turn off AdBlocker and private mode before application
        • Terms and Conditions apply
        • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
      sim Credit Card
      • HK$300 Apple Store Gift Card + HK$50 cash rebate
      N/A
      Min. Annual Income
      3%
      Cashback Local
      8%
      Cashback Local Online Shopping

        MoneyHero Time-limited Exclusive Offer

        • From 30 September 2024 6 p.m. till 31 October 2024 6 p.m.: New 「sim Credit Card」Cardholders who have successfully applied and activated physical card via MoneyHero to get HK$300 Apple Store Gift Card OR HK$300 Wellcome Shopping Voucher without any transaction requirement.
        • *Complete digital ID verification within 3 hours after application: additional HK$50 Cash Rebate (provided by sim)
        • Successfully complete the reward form within 7 days after applying
        • By 30 November 2024: Application successfully approved
        • MoneyHero Limited-Time Exclusive Offer is applicable to all new card holders
        • How to redeem MoneyHero exclusive offer?
          • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up
          • Please turn off AdBlocker and private mode before application
          • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process
          • MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, sim Credit Card has no relation with its redemption, usage and dispute
          • Terms and Conditions apply
          • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
        Mox Credit
        N/A
        No Requirement
        2%
        Overseas Spending - Cashback Rate
        3%
        Local Spending - Cashback Rate

          Open a Mox Account successfully with the invitation code "MHOCT", successfully apply for Mox Credit via MoneyHero and spend HK$8,000 within 60 calendar days after approval to enjoy: Delsey ECLIPSE SE 31" Expandable Front Opening Suitcase (valued at HK$4,280; random colour) / Marshall Emberton II Speaker (valued at HK$1,499) / HK$1,000 Apple Gift Card OR HKTVmall e-Gift Voucher OR Trip.com Gift Card

          • From 2 October 2024 10 a.m. to 31 October 2024 11:59 p.m.: New Mox customers who successfully apply for Mox Credit via MoneyHero
          • Within 14 days of after receiving the successful application email from Mox when your Mox Credit approved: Submit the reward redemption form sent via email previously
          • The Mox Credit must be approved by Mox within 30 days after opening the Mox account, subject to the Bank’s system records
          PrimeCredit WeWa UnionPay Card for University Student
          N/A
          Min. Annual Income
          Not Available
          Local Spending - Air Miles Conversion
          Local Spending - Cashback Rate
          On designated merchant categories

            MoneyHero Exclusive Offer: HK$100 cash rebate + HK$200 Apple Gift Card / HK$200 Wellcome Shopping Voucher

            • From 30 September 2024 6 p.m. till 31 October 2024 6 p.m., new customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$100 cash rebate + HK$200 Apple Gift Card / Wellcome Shopping Voucher.
              Existing customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$200 Apple Gift Card / Wellcome Shopping Voucher.
            • How to redeem MoneyHero exclusive offer?
              • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
              • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with PrimeCredit.
            • Tips:
              • Please turn off AdBlocker and private mode before application
              • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
              • If you have any enquiry on the redemption flow of this offer, please refer to the relevant Terms and Conditions.

            Welcome Offer

            From now till 31 March 2025, new PrimeCredit Credit Card Cardholder who successfully applied WeWa UnionPay Diamond Card is entitled to one of the following Welcome Offers upon fulfilling the Eligible Retail Purchase Transactions Requirement specified below:

            Eligible Retail Purchase Transactions RequirementWelcome Offers options
            Spend HK$8,800 on Eligible Retail Purchase Transactions within 90 days from the card issuing dateA set of standard class round-trip air ticket between Hong Kong and Osaka and HK$100 hotel voucher for a single person
            SONY WH-1000XM4 Wireless Noise Cancelling Headphones
            Spend HK$8,500 on Eligible Retail Purchase Transactions within 90 days from the card issuing dateHK$500 Cash Rebate
            No Spending RequirementUp to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program
            University / tertiary students Spend HK$2,000 on Eligible Retail Purchase Transactions within 90 days from card issuance

            HK$400 Klook e-Gift Card

            (Only for University / tertiary students)

             

            PrimeCredit EarnMORE UnionPay Card for University Student
            N/A

              MoneyHero Exclusive Offer: HK$100 cash rebate + HK$200 Apple Gift Card / HK$200 Wellcome Shopping Voucher

              • From 30 September 2024 6 p.m. till 31 October 2024 6 p.m., new customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$100 cash rebate + HK$200 Apple Gift Card / Wellcome Shopping Voucher.
                Existing customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$200 Apple Gift Card / Wellcome Shopping Voucher.
              • How to redeem MoneyHero exclusive offer?
                • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
                • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with PrimeCredit.
              • Tips:
                • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
                • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
                • If you have any enquiry on the redemption flow of this offer, please refer to the relevant Terms and Conditions.

              Welcome Offer

              • Spend HK$9,800 on Eligible Retail Purchase Transactions within 90 days from the card issuing date :OTO Vanda 2.0 (VN-05); or
              • Spend HK$8,500 on Eligible Retail Purchase Transactions within 90 days from the card issuing date : German Pool WiFi Smart UVC Air Purifier Mist Heater & Fan (EFB-426HM-SC) or HK$500 Cash Rebate; or
              • Only applicable to Full-time University / Tertiary Student : HK$400 Klook Gift Card; or
              • Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program ( No spending requirement)
              AEON CARD WAKUWAKU
              • HK$200 Wellcome Shopping Voucher
              N/A
              Min. Annual Income
              1%
              Cashback Dining
              6%
              Online Spending

                Gift Options

                HK$200 Wellcome Shopping Voucher
                Terms & Conditions
                MoneyHero Exclusive Offer - HK$200 Wellcome Shopping Voucher + HK$200 cash rebate
                New Customers of AEON Card, using the exclusive MoneyHero promo code "MHWAKU" to apply AEON CARD WAKUWAKU via the "AEON HK" Mobile App, can get the MoneyHero exclusive offer of HK$200 Wellcome Shopping Voucher. Upon successful application and credit card approval, you can enjoy HK$200 cash rebate (offered by AEON) upon completion of eligible transactions (based on a single transaction) with your credit card within the billing period.
                How to redeem MoneyHero exclusive offer?
                Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
                Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with AEON.
                It may take 16-21 weeks from applications to redemption yet the actual time may vary due to the situation. Please refer to How to redeem exclusive rewards from MoneyHero
                Please refer to terms and conditions for details
                Tips:
                Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
                The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward

                Hang Seng MMPOWER World Mastercard®
                $150000

                  MoneyHero Exclusive Welcome Gift (New to Bank Customer)
                  New Credit Card cardholders* who successfully apply for Hang Seng MMPOWER WorldMastercard® via MoneyHero and spent HK$1,200 within 30 calendar days after approval are entitled to LEGEND WALKER X-Class Expandable Front-opening Suitcase (valued at HK$5,600, random colour) OR Nescafe Dolce Gusto Genio S Plus with capsules (valued at HK$1,780 ; random colour) OR Marshall Emberton Speaker (Valued: HK$1,499) OR Marshall Motif II A.N.C. True Wireless Headphones (valued at HK$1,599) OR HK$1,200 Apple Store Gift Card / Wellcome shopping voucher / Trip.com e-Voucher

                  Important dates :

                  • Within 30 days after card issuance: The card must be approved by Hang Seng.
                    • New Credit Card customers* - Spent HK$1,200 within 30 calendar days after approval.
                  • How to redeem Moneyhero Exclusive Offer?
                    • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
                    • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with Hang Seng.
                    • Tips: If you apply over the phone, please remember to download the Hang Seng Mobile App first, then apply through the link, and you will be entitled to receive the MoneyHero Reward if you spend the designated amount within a certain number of days after card approval.

                  MoneyHero Exclusive Gift (Existing Customer)

                  • Existing Credit Card cardholders^ who successfully apply for Hang Seng MMPOWER WorldMastercard® via MoneyHero and spent HK$900 within 30 calendar days after approval are entitled to 
                    • POLAROID Go Instant Camera (valued at HK$999) OR 
                    • SONY XE200 X-Series Portable Wireless Speaker (valued at HK$999; random colour) OR 
                    • HK$900 Apple Store Gift Card / Wellcome shopping voucher / Trip.com e-Voucher

                  Important dates :

                  • Within 30 days after card issuance: The card must be approved by Hang Seng.
                    • Existing Credit Card customer - Spent HK$900 within 30 calendar days after approval.
                  • How to redeem Moneyhero Exclusive Offer?
                    • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
                    • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with Hang Seng.
                    • Tips: If you apply over the phone, please remember to download the Hang Seng Mobile App first, then apply through the link, and you will be entitled to receive the MoneyHero Reward if you spend the designated amount within a certain number of days after card approval.
                  American Express® Gold Business Card
                  $200000
                  Min. Annual Income
                  0.83%
                  Local Spending - Cashback Rate
                  1%
                  Overseas Spending - Cashback Rate on foreign currency spending
                    • First ever 6-Month Welcome Offer – earn up to 64,000 miles. Plus, earn an extra HK$100 rebate on Octopus Top-Up via iphone and 6,000 miles upon HK$7,000 spend in first 3 months!
                    • Enjoy enhanced welcome offer of up to HK$2,900! Spend HK$1,000 to earn HK$1,000 statement credit.

                    Terms & Conditions

                    • Limited Welcome Offer : Top up $300 in octopus via iPhone or Apple watch to get $100 statement credit in the first 3 months
                    • First transaction bonus : HK$200 statement credits upon first transaction made within the first 3 months upon Basic Card approval
                    • Welcome Bonus : HK$800 statement credits upon first HK$1,000 spend in the first 3 months
                    • Spending Bonus : 315,000 points (eqv to HK$1,050 in pay with points or cash voucher / 17,500 miles) upon HK$45,000 spend in the first 3 months
                    • Business Essential Merchants Bonus : 225,000 points 5X spending bonus on selected merchants (adobe , AWS, dropbox, Fedex, HKT , Shell)
                    • Terms and conditions apply.
                    The Platinum Card
                    $10000
                    Min. Annual Income
                    $ 5 /mile
                    Overseas Spending - Air Miles Conversion
                    Unlimited
                    Number of Free Lounge Access

                      New American Express The Platinum Card® customers get rewarded with 

                      • DYSON V12s Detect Slim Submarine™ Wet And Dry Vacuum Cleaner (valued at HK$6,180) OR
                      • Dyson HT01 Airstrait™ straightener (valued at HK$3980) OR
                      • HK$3,500 Apple Store Gift Card OR 
                      • HK$3,500 HKTVmall e-Gift Voucher

                      by fulfilling the following requirements:

                      • Valid until 18 October 2024 11.59 p.m.: Apply for The Platinum Card® via MoneyHero
                      • Within 7 days of receiving the form: Submit the reward redemption form sent via email previously
                      • On or before 30 November 2024: The card must be approved by American Express
                      • Within 2 months after card issuance: reach HK$15,000 eligible spending and fully paid the annual fee
                      • Tips:
                        • Please submit the reward redemption form sent via email previously within 7 days of receiving the form.
                        • Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
                        • Terms and Conditions Apply
                        • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
                        • Cardmembers who paid the annual fee and holding valid Platinum Card accounts with good standing and not overdue will be eligible for the above Online Bonus and Welcome Bonuses. American Express reserves the right not to offer any bonus of Welcome Rewards to Cardmembers who fail to fulfil the above conditions without prior notice.
                      Fubon Visa Platinum
                      • Up to HK$1,060 Rewards
                      $60000
                      Min. Annual Income
                      4%
                      Cashback Local
                      Up to 8%
                      Cashback Forex

                        Up to HK$1,060 Rewards

                        Terms & Conditions

                        • Successfully apply for principal card of Fubon Visa Platinum Card can enjoy welcome gift of HK$500 Cash Rebate
                        • Extra HK$100 Supermarket Coupon for application via online application form
                        • Overseas transaction up to HK$460 Cash rebate for Fubon Credit Card Upgrade Reward Program
                        • The offer is subject to terms and conditions, please visit website of Fubon Bank (Hong Kong) Limited for offer detail: Fubon Platinum Card | Fubon Bank
                        Hang Seng enJoy Card
                        $150000
                        Min. Annual Income
                        0.5%
                        Cashback Overseas
                        2%
                        Cashback Local

                          MoneyHero Exclusive Welcome Gift (New to Bank Customer)

                          • New Credit Card cardholders* who successfully apply for Hang Seng enJoy Visa Platinum Card via MoneyHero and spent HK$800 within 30 calendar days after approval are entitled to
                            • LEGEND WALKER X-Class Expandable Front-opening Suitcase (valued at HK$5,600, random colour) OR
                            • NESCAFÉ Dolce Gusto Genio S Plus Coffee Machine with 6 boxes coffee capsules (Valued at HK$1,780) OR
                            • BRUNO Deluxe Package (total value at HK$1,196): BRUNO Soymilk (value of HK$698, random colour) & Hot Soup Blender + BRUNO Hand Blender (value of HK$498, random colour) OR
                            • Sennheiser ACCENTUM true wireless earbuds (valued at HK$1,780) OR
                            • HK$800 Apple Store Gift Card / Wellcome shopping voucher / HKTVmall e-Gift Voucher

                          Important dates :

                          • Within 30 days after card issuance: The card must be approved by Hang Seng.
                            • New Credit Card customers* - Spent HK$800 within 30 calendar days after approval.
                          • How to redeem Moneyhero Exclusive Offer?
                            • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
                            • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with Hang Seng.
                            • Tips: If you apply over the phone, please remember to download the Hang Seng Mobile App first, then apply through the link, and you will be entitled to receive the MoneyHero Reward if you spend the designated amount within a certain number of days after card approval.

                          MoneyHero Exclusive Gift (Existing Customer)

                          • Existing Credit Card cardholders^ who successfully apply for Hang Seng enJoy Visa Platinum Card via MoneyHero and spent HK$600 within 30 calendar days after approval are entitled to
                            • Marshall Willen Wireless Portable Speaker(valued at HK$999) OR
                            • POLAROID Go Instant Camera (valued at HK$999) OR
                            • BRUNO BAK801 Instant Hot Water Dispenser (valued at HK$998) OR
                            • HK$600 Apple Store Gift Card / Wellcome shopping voucher / HKTVmall e-Gift Voucher

                          Important dates :

                          • Within 30 days after card issuance: The card must be approved by Hang Seng.
                            • Existing Credit Card customer^ - Spent HK$600 within 30 calendar days after approval.
                          • How to redeem Moneyhero Exclusive Offer?
                            • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
                            • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with Hang Seng.
                            • Tips: If you apply over the phone, please remember to download the Hang Seng Mobile App first, then apply through the link, and you will be entitled to receive the MoneyHero Reward if you spend the designated amount within a certain number of days after card approval.
                          Citi The Club Credit Card
                          • 5,000 Clubpoints (equivalent to HK$1,000 in value) + HK$1,000 Cash Rebate
                          $120000
                          Min. Annual Income
                          Not Available
                          Overseas Spending - Cashback Rate
                          4%
                          Local Spending - Cashback Rate

                            Moneyhero Exclusive Offer
                            Gift Options

                            • 5,000 Clubpoints (equivalent to HK$1,000 in value) + HK$1,000 Cash Rebate; or
                            • HK$300 Cash Rebate

                            Terms & Conditions

                            Moneyhero Exclusive Offer

                            • New Citi The Club Credit Card Customers, Successfully apply The Club Credit Card, and make eligible spending within 3 months from the date of card issuance, can enjoy the following offer
                            • Accumulate spending of HK$4,000 or above within the first 3 months from the date of card issuance which include at least 1 eligible transaction each month
                              5,000 Clubpoints (equivalent to HK$1,000 in value) + HK$1,000 Cash Rebate) ;OR
                            • Accumulate spending of HK$1,000 or above within the first 3 months
                              HK$300 Cash Rebate
                            • Valid until 31 October 2024 : New Citi Credit Card Customers who successfully apply for designated Citi Credit Card
                            • On or before 30 November 2024: The card must be approved by Citibank, subject to the Bank’s system records.
                            HSBC EveryMile Credit Card
                            • $800 RewardCash
                            $240000
                            Min. Annual Income
                            $5/mile
                            Airmiles Local
                            1%
                            Cashback Local

                              HSBC Welcome Offer
                              Applying for eligible credit card via HSBC website, HSBC Personal Internet Banking or HSBC App and make eligible transaction of HKD/RMB 8,000 or above within the first 60 calendar days after card issuance:

                              • New Credit Card Customers: $800 RewardCash
                              • Existing Credit Card Customers: $200 RewardCash

                              Apply for the Cash Out installment offer to receive an additional $200 in RewardCash
                              Activate an eligible credit card within the first 60 calendar days after the card is issued, and successfully apply for the 「Cash Cash Out」 installment plan with the eligible credit card and be approved for a withdrawal amount HK$20,000 or above, and choose a repayment period of 12 months or above , you can get an extra $200 「RewardCash」

                              6 complimentary visits to the Plaza Premium Airport Lounge or free meals at selected airport dining outlets
                              During the promotion period,HSBC EveryMile Credit Card Customer may enjoy 6 complimentary visits to the Plaza Premium Airport Lounge or free meals at selected airport dining outlets.
                              Customers are required to spend HKD 4,000 or above within 60 days after access to the lounge/ enjoy the meal.
                              If not the spending target cannot be fulfilled, customers will be charged with HKD250.

                              • Promotion period: September 1, 2024 to December 31, 2024

                              *Registration on HSBC Reward+ is required to enjoy the above offer.

                              Oversea spending low as HK$2 per mile

                              During the promotion period, by spending a net amount of HK$8,000 or more on eligible transactions with the HSBC EveryMile Credit Card at each tier, you can enjoy a rate as low as HK$2 per mile.

                              • Promotion period: July 1, 2024 to December 31, 2024

                              *Registration on HSBC Reward+ is required to enjoy the above offer.

                              HSBC Red Credit Card
                              $120000

                                Welcome offer up to $1,000 RewardCash rebate

                                • New Credit Card Customers can enjoy $800 RewardCash rebate
                                • Existing Credit Card Customers can enjoy $200 RewardCash rebate
                                • New Credit Card Customers who successfully apply for a Cash Instalment Plan can also get an extra $200 RewardCash!

                                Enjoy 4% RewardCash rebate for PayMe top-up

                                • Enjoy an extra 3.6% RewardCash rebate when top up your PayMe wallet with the newly approved Red Card during the two subsequent calendar months after the month of card issuance. Together with the basic 0.4% RewardCash rebate, that's 4% RewardCash rebate in total!
                                • Enjoy handling fee waiver when using your HSBC Credit Card for PayMe top-up!
                                •  only if you can repay!
                                Standard Chartered Smart Credit Card
                                $96000
                                Min. Annual Income
                                Not Available
                                Local Spending - Air Miles Conversion
                                5%
                                Cashback Supermarket

                                  MoneyHero Exclusive Welcome Voucher
                                  Gift Options

                                  • Marshall Emberton II Bluetooth Speaker (valued at: HK$1,499)
                                  • HK$800 Apple Store Gift Card
                                  • HK$800 Wellcome Shopping Voucher
                                  • HK$800 HKTVmall e-Gift Voucher
                                  • HK$800 Klook e-Gift Voucher
                                  • HK$800 Suning Gift Voucher
                                  • HK$800 Trip.com e-Gift Voucher

                                  Terms & Conditions
                                  New Standard Chartered Credit Card Customers get rewarded by fulfilling the following requirements:

                                  • From 30 September 2024 6 p.m. to 31 October 2024 6 p.m.: New Standard Chartered Credit Card Customers who successfully apply for Standard Chartered Smart Credit Card via MoneyHero
                                  • Within 7 days of receiving the form: Submit the reward redemption form sent via email previously.
                                  • On or before 30 November 2024: The card must be approved by Standard Chartered, subject to the Bank’s system records.
                                  • Within 7 days of receiving approval: Submit (1) the name of the Designated Card applied for, (2) their application date, and (3) screen capture of the approval SMS or Email notification to support@moneyhero.com.hk, which will be used by MoneyHero to verify reward eligibility.
                                  Citi Prestige Card
                                  $600000
                                  Min. Annual Income
                                  $6/mile
                                  Local Spending - Air Miles Conversion
                                  0.8 %
                                  Local Spending - Cashback Rate

                                    MoneyHero Time-Limited Exclusive Offer
                                    Gift Options

                                    • HK$5,000 Apple Store Gift Card; or
                                    • HK$5,000 Trip.com e-Voucher

                                    Terms & Conditions

                                    MoneyHero Time-Limited Exclusive Offer

                                    • New Citi Prestige Card Customers get rewarded with HK$5,000 Apple Store Gift Card / HK$5,000 Trip.com e-Voucher

                                    Requirements

                                    • 30 September 2024 6 p.m. till 31 October 2024 6 p.m.: Successfully apply for the designated Citibank Credit Card(s) and submitted redemption form via MoneyHero
                                    • Within 7 days of receiving the form: Submit the reward redemption form sent via email previously.
                                    • On or before 30 November 2024: The card must be approved by Citibank.
                                    • Within 30 days after card approval: Spend HK$8,000 or above with the card (value-added PayMe/Alipay AliPay/WeChat Pay can be counted) and pay HK$3,800 annual fee.

                                    Tips

                                    • Please turn off AdBlocker and private mode before application
                                    • Please note down the application reference number (e.g. ABC123456789) provided on the page after completing the application.
                                    • Please submit the reward redemption form sent via email previously within 7 days of receiving the form.
                                    • If you have concerns regarding the redemption process, please refer to the Terms and Conditions.
                                    • New Credit Card Customers shall be defined as: Customers who currently do not hold, have not cancelled and have not held any principal credit card of Citi within the past 12 months from the month of application for the Eligible Card.
                                    • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward.
                                    • Customers would not be eligible to Citi welcome offer if obtained MoneyHero exclusive offer.
                                    CNCBI Motion Credit Card
                                    $150000
                                    Min. Annual Income
                                    Not Available
                                    Local Spending - Air Miles Conversion
                                    6 %
                                    Local Spending - Cashback Rate

                                      Welcome Voucher
                                      Gift Options

                                      • 10% Cash Rebate on spending in foreign currencies
                                      • HK$600 Cash Reward

                                      Terms & Conditions

                                      • 10% Cash Rebate on spending in foreign currencies (Up to HK$1,000 Cash Rebate) within first 3 months starting from the card issuance month; or
                                      • HK$600 Cash Rebate upon accumulated eligible spending of HK$6,000 in the first 2 months starting from the card issuance month
                                      • Please refer to CNCBI Motion Credit Card page for the offer details

                                      CNCBI Motion Credit Card More Info

                                      • First year annual fee waiver
                                      • 6% Cash Rebate on dining and online spending all year round
                                      • From 1 January till 31 December 2024, Motion Credit Cardmembers can earn 6% cash rebate on dining and online spending all year round, up to extra HK$200 Cash Rebate per month.
                                      • 1.5% Cash Rebate on foreign currency spending
                                      • From 1 July till 31 October 2024, Motion Credit Cardmembers can earn unlimited extra 1% Cash Rebate on foreign currency spending.
                                      • Other things to note:
                                        • Welcome Offer and MoneyHero Exclusive Offer are not applicable to any applicant who currently holds or have cancelled any principal card of CNCBI Credit Card in the past 12 months from the month of approval of the current application for a principal card of the CNCBI Credit Card.
                                      • Terms and conditions apply. For more details, please visit https://www.cncbinternational.com/personal/promotions/motion_credit_card/en/index.html 
                                      • Reminder: To borrow or not to borrow? Borrow only if you can repay!
                                      Citi PremierMiles Card
                                      • Nintendo Switch (OLED model) (valued at HK$2,680) / HK$1,600 Apple Store Gift Card / HKTVmall e-Gift Voucher / Wellcome Shopping Voucher / Trip.com e-Voucher
                                      $120000
                                      Min. Annual Income
                                      $8/mile
                                      Local Spending - Air Miles Conversion
                                      0.75%
                                      Local Spending - Cashback Rate

                                        MoneyHero Exclusive Offer

                                        Gift options:

                                        • HK$1,600 Apple Store Gift Card / HKTVmall e-Gift Voucher / Wellcome Shopping Voucher / Trip.com e-Voucher
                                        • Nintendo Switch (OLED model) (valued at HK$2,680; random color)
                                        • LEGEND WALKER X-Class Expandable Front-opening Suitcase (valued at HK$5,600, random colour)
                                        • Philips RO Water Dispenser ADD6910/90 (valued at HK$2,788)
                                        • Sennheiser ACCENTUM true wireless earbuds (valued at HK$1,780; random color)

                                        Requirements

                                        • From 30 September 2024 6 p.m. till 31 October 2024 6 p.m.: Successfully apply for the designated Citibank Credit Card(s) and submitted redemption form via MoneyHero
                                        • On or before 30 November 2024: The card must be approved by Citibank
                                        • Within first 30 days after card approval: Have accumulated eligible transactions of HK$4,000
                                        • Designated Cards include Citi Cash Back Card, Citi Rewards Card, Citi Rewards UnionPay Card & Citi Premier Miles Card ; not applicable to student cards

                                        Tips

                                        • Please turn off AdBlocker and private mode before application
                                        • Have your mobile phone and HKID ready before application! You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
                                        • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
                                        • If you have any enquiry on the redemption flow of this offer, please refer to the relevant Terms and Conditions
                                        Citi Rewards Card
                                        • Nintendo Switch (OLED model) (valued at HK$2,680) / HK$1,600 Apple Store Gift Card / HKTVmall e-Gift Voucher / Wellcome Shopping Voucher / Trip.com e-Voucher
                                        $120000
                                        Min. Annual Income
                                        $3/mile
                                        Local Spending - Air Miles Conversion
                                        1.85%
                                        Local Spending - Cashback Rate

                                          MoneyHero Exclusive Offer

                                          Gift options:

                                          • HK$1,600 Apple Store Gift Card / HKTVmall e-Gift Voucher / Wellcome Shopping Voucher / Trip.com e-Voucher
                                          • Nintendo Switch (OLED model) (valued at HK$2,680; random color)
                                          • LEGEND WALKER X-Class Expandable Front-opening Suitcase (valued at HK$5,600, random colour)
                                          • Philips RO Water Dispenser ADD6910/90 (valued at HK$2,788)
                                          • Sennheiser ACCENTUM true wireless earbuds (valued at HK$1,780; random color)

                                          Requirements

                                          • From 30 September 2024 6 p.m. till 31 October 2024 6 p.m.: Successfully apply for the designated Citibank Credit Card(s) and submitted redemption form via MoneyHero
                                          • On or before 30 November 2024: The card must be approved by Citibank
                                          • Within first 30 days after card approval: Have accumulated eligible transactions of HK$4,000
                                          • Designated Cards include Citi Cash Back Card, Citi Rewards Card, Citi Rewards UnionPay Card & Citi Premier Miles Card ; not applicable to student cards

                                          Tips

                                          • Please turn off AdBlocker and private mode before application
                                          • Have your mobile phone and HKID ready before application! You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
                                          • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
                                          • If you have any enquiry on the redemption flow of this offer, please refer to the relevant Terms and Conditions
                                          Citi Cash Back Card
                                          • Nintendo Switch (OLED model) (valued at HK$2,680) / HK$1,600 Apple Store Gift Card / HKTVmall e-Gift Voucher / Wellcome Shopping Voucher / Trip.com e-Voucher
                                          $120000
                                          Min. Annual Income
                                          Not Available
                                          Local Spending - Air Miles Conversion
                                          2%
                                          Local Spending - Cashback Rate
                                          • 2% rebate for local dining, local hotel spending & foreign currency spending with no cap

                                          MoneyHero Exclusive Offer

                                          Gift options:

                                          • HK$1,600 Apple Store Gift Card / HKTVmall e-Gift Voucher / Wellcome Shopping Voucher / Trip.com e-Voucher 
                                          • Nintendo Switch (OLED model) (valued at HK$2,680; random color)
                                          • LEGEND WALKER X-Class Expandable Front-opening Suitcase (valued at HK$5,600, random colour)
                                          • Philips RO Water Dispenser ADD6910/90 (valued at HK$2,788)
                                          • Sennheiser ACCENTUM true wireless earbuds (valued at HK$1,780; random color)

                                          Requirements

                                          • From 30 September 2024 6 p.m. till 31 October 2024 6 p.m.: Successfully apply for the designated Citibank Credit Card(s) and submitted redemption form via MoneyHero
                                          • On or before 30 November 2024: The card must be approved by Citibank
                                          • Within first 30 days after card approval: Have accumulated eligible transactions of HK$4,000
                                          • Designated Cards include Citi Cash Back Card, Citi Rewards Card, Citi Rewards UnionPay Card & Citi Premier Miles Card ; not applicable to student cards

                                          Tips

                                          • Please turn off AdBlocker and private mode before application
                                          • Have your mobile phone and HKID ready before application! You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
                                          • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
                                          • If you have any enquiry on the redemption flow of this offer, please refer to the relevant Terms and Conditions
                                          PrimeCredit WeWa UnionPay Diamond Card
                                          • HK$100 cash rebate + HK$200 Apple Gift Card / HK$200 Wellcome Shopping Voucher
                                          $150000
                                          Min. Annual Income
                                          6%
                                          Apple Pay
                                          4%
                                          Local Spending - Cashback Rate
                                          • Crazy WeWa Reward up to 6% Cash Rebate

                                          MonyHero Exclusive Offer
                                          Gift Options

                                          • New Customer: HK$200 Apple Store Gift Card + HK$100 Cash Rebate
                                          • New Customer: HK$200 Wellcome Shopping Voucher + HK$100 Cash Rebate
                                          • Existing Customer: HK$200 Apple Store Gift Card (Not able to enjoy PrimeCredit HK$100 Cash Rebate & Welcome Offer)
                                          • Existing Customer: HK$200 Wellcome Shopping Voucher (Not able to enjoy PrimeCredit HK$100 Cash Rebate & Welcome Offer)

                                          Terms & Conditions

                                          MoneyHero Exclusive Offer: HK$100 cash rebate + HK$200 Apple Gift Card / HK$200 Wellcome Shopping Voucher

                                          • From 30 September 2024 6 p.m. till 31 October 2024 6 p.m., new customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$100 cash rebate + HK$200 Apple Gift Card / Wellcome Shopping Voucher.
                                            Existing customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$200 Apple Gift Card / Wellcome Shopping Voucher.
                                          • How to redeem MoneyHero exclusive offer?
                                            • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
                                            • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with PrimeCredit.
                                          • Tips:
                                            • Please turn off AdBlocker and private mode before application
                                            • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
                                            • If you have any enquiry on the redemption flow of this offer, please refer to the relevant Terms and Conditions.

                                          Welcome Offer
                                          Gift Options

                                          • Round-trip air ticket to Osaka; or
                                          • SONY WH-1000XM4 Wireless Noise Cancelling Headphones; or
                                          • HK$500 Cash Reward; or
                                          • HK$400 Klook e-Gift Card (only for University / Tertiary students); or
                                          • Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program

                                          Terms & Conditions

                                          Welcome Offer

                                          From now till 31 March 2025, new PrimeCredit Credit Card Cardholder who successfully applied WeWa UnionPay Diamond Card is entitled to one of the following Welcome Offers upon fulfilling the Eligible Retail Purchase Transactions Requirement specified below:

                                          Eligible Retail Purchase Transactions RequirementWelcome Offers options
                                          Spend HK$8,800 on Eligible Retail Purchase Transactions within 90 days from the card issuing dateA set of standard class round-trip air ticket between Hong Kong and Osaka and HK$100 hotel voucher for a single person
                                          SONY WH-1000XM4 Wireless Noise Cancelling Headphones
                                          Spend HK$8,500 on Eligible Retail Purchase Transactions within 90 days from the card issuing dateHK$500 Cash Rebate
                                          No Spending RequirementUp to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program
                                          University / tertiary students Spend HK$2,000 on Eligible Retail Purchase Transactions within 90 days from card issuance

                                          HK$400 Klook e-Gift Card

                                          (Only for University / tertiary students)

                                           

                                          PrimeCredit EarnMORE UnionPay Diamond Card
                                          $150000
                                          Min. Annual Income
                                          Not Available
                                          Local Spending - Air Miles Conversion
                                          4 %
                                          Local Spending - Cashback Rate

                                            MonyHero Exclusive Offer 
                                            Gift Options

                                            • New Customer: HK$200 Apple Store Gift Card + HK$100 Cash Rebate
                                            • New Customer: HK$200 Wellcome Shopping Voucher + HK$100 Cash Rebate
                                            • Existing Customer: HK$200 Apple Store Gift Card (Not able to enjoy PrimeCredit HK$100 Cash Rebate & Welcome Offer)
                                            • Existing Customer: HK$200 Wellcome Shopping Voucher (Not able to enjoy PrimeCredit HK$100 Cash Rebate & Welcome Offer)

                                            Terms & Conditions

                                            MoneyHero Exclusive Offer: HK$100 cash rebate + HK$200 Apple Gift Card / HK$200 Wellcome Shopping Voucher

                                            • From 30 September 2024 6 p.m. till 31 October 2024 6 p.m., new customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$100 cash rebate + HK$200 Apple Gift Card / Wellcome Shopping Voucher.
                                              Existing customers of PrimeCredit Credit Card who successfully apply for PrimeCredit UnionPay Credit Card via MoneyHero can enjoy HK$200 Apple Gift Card / Wellcome Shopping Voucher.
                                            • How to redeem MoneyHero exclusive offer?
                                              • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
                                              • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with PrimeCredit.
                                            • Tips:
                                              • Please turn off AdBlocker and private mode before application
                                              • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
                                              • If you have any enquiry on the redemption flow of this offer, please refer to the relevant Terms and Conditions.

                                            Welcome Offer
                                            Gift Options

                                            • OTO Vanda 2.0 (VN-05)
                                            • German Pool WiFi Smart UVC Air Purifier Mist Heater & Fan (EFB-426HM-SC)
                                            • HK$500 Cash Rebate
                                            • HK$400 Klook e-Gift Card (only for University / Tertiary students)
                                            • Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program

                                            Terms & Conditions

                                            • Spend HK$9,800 on Eligible Retail Purchase Transactions within 90 days from the card issuing date :OTO Vanda 2.0 (VN-05); or
                                            • Spend HK$8,500 on Eligible Retail Purchase Transactions within 90 days from the card issuing date : German Pool WiFi Smart UVC Air Purifier Mist Heater & Fan (EFB-426HM-SC) or HK$500 Cash Rebate; or
                                            • Only applicable to Full-time University / Tertiary Student : HK$400 Klook Gift Card; or
                                            • Up to HK$90,000 Interest-free and Handling Fee-free Cash Instalment Program ( No spending requirement)
                                            Standard Chartered Cathay Mastercard
                                            • Dyson Supersonic™ HD15 Hair Dryer (Valued at HK$3,780; random colour) (redeem using Standard Chartered Cathay Mastercard with HK$1,300); or Insta360 Go 3S (valued at HK$3,458;random colour)(redeemed using Standard Chartered Cathay Mastercard with HK$1,300
                                            $96000
                                            Min. Annual Income
                                            $2/mile
                                            Eligible spending on Cathay and HK Express
                                            $4/mile
                                            Eligible spending on dining / food delivery platforms, online and overseas spending

                                              Offer Upgrade (Mutually exclusive form Exclusive Offer)
                                              Gift Options

                                              Dyson Supersonic™ HD15 Hair Dryer (Valued at HK$3,780; random colour) (redeem using Standard Chartered Cathay Mastercard with HK$1,300); or
                                              Insta360 Go 3S (valued at HK$3,458;random colour)(redeemed using Standard Chartered Cathay Mastercard with HK$1,300)
                                              Terms & Conditions
                                              Offer Upgrade (Mutually exclusive form Exclusive Offer)

                                              • New Standard Chartered Credit Card Customers can redeem Dyson Supersonic™ HD15 Hair Dryer (Valued at HK$3,780; random colour) OR Insta360 Go 3S (Valued at HK$3,458;random colour) using Standard Chartered Cathay Mastercard with HK$1,300 by fulfilling the following requirements:
                                                • From 30 September 2024 6 p.m. to 31 October 2024 6 p.m.: New Standard Chartered Credit Card Customers who successfully apply for Standard Chartered Cathay Mastercard via MoneyHero
                                                • Within 7 days of receiving the form: Submit the reward redemption form sent via email previously.
                                                • On or before 30 November  2024: The card must be approved by Standard Chartered, subject to the Bank’s system records.
                                                • Within 7 days of receiving approval: Submit (1) the name of the Designated Card applied for, (2) their application date, and (3) screen capture of the approval SMS or Email notification to support@moneyhero.com.hk, which will be used by MoneyHero to verify reward eligibility.
                                              • Tips:
                                                • Please submit the reward redemption form sent via email previously within 7 days of receiving the form.
                                                • Please turn off AdBlocker and private mode before application
                                                • Have your mobile phone and HKID ready before application! You are advised to upload all required documents when you apply for the card to facilitate the approval process. Don't forget to note down your application reference number. It can be used for checking your application status and claiming MoneyHero exclusive offer.
                                                • Details for redeeming the Dyson Supersonic™ HD15 Hair Dryer OR Insta360 Go 3S :
                                                • After the eligibility are confirmed by the bank, MoneyHero will send out the reward redemption emails to the eligible customers. Customers can follow the instructions in the email and receive the Dyson Supersonic™ HD15 Hair Dryer OR Insta360 Go 3S by paying HK$1,300 using Standard Chartered Cathay Mastercard at the redemption center.
                                                  • If there are any questions regarding the warranty and product conditions, please reach out to MoneyHero for further details.
                                                • MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Standard Chartered Bank has no relation with its redemption, usage and dispute.
                                                • Terms and Conditions Apply.
                                                • The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
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