We Made Mortgage Loan in Hong Kong Easy for You


Borrow as much as you need


Flexible repayment options


Simple process to save time


No credit rating checks are required


When Banks say no
We say GO!


private residences, public housing, tenement floors, villas, village houses, offices, shops, factories, and car parking spaces.

All property types are eligible

More Flexible & Faster than a Banks


Annual interest rates starting as low as 8%

No Impact Credit Report


Property Valuation Up To 80%

Unlock your Property's Potential

Tailored Mortgage Loan Services with Easy Approval Process Designed Specifically for Property Owners

Looking for the perfect property mortgage service?
Our mortgage specialists are here to tailor the most suitable mortgage plan for every property owner. We provide professional advice and answer any questions you may have about property loans, ensuring you get a smooth borrowing experience.

No restrictions on property age!

For any property type

No Credit Report Check Required

No impact on your credit score

Instant Home Loan & Mortgage Approval

Hong Kong’s fastest home and mortgage loan approvals, in as little as 15 minutes

Maximum Mortgage Amount $20M

No lawyer or valuation fees

High Property Value ratio

Up to 80% of the property value

Long Tenor Period

Up to 120 months

Low Interest Rate

Annual interest rates starting as low as 8%

Transform Your Destiny

Flexible cash-out options

We strive to get you the highest property valuation in HK, along with the most favorable mortgage interest rates and rewards, making it easy for you to apply for a property loan.

Property Type

Credit KO's mortgage loans have no restrictions on property age and cover a wide range of property types. We accept the following property types:

Private Building

Public Housing

Tenement Flats

Factory/Commercial Building


Car Park

the process

Fast and efficient home loan approvals

Traditional Banks Mortgages
Loans From Credit KO


  • ID Card

  • Address Proof

  • Title Deed

  • Tax Statement

  • Job Contract

  • Salary Slips from the most recent 6 months

  • Bank Statements from the most recent 6 months

ID Card、Address

Cash Transfer Time

30-60 days at least

15mins Approval
Cash transfer within 24hr

Loan Amount

Up to 50% of the property value (excluding Mortgage Insurance Scheme)

Up to 20 million or 80% of the property value

Just 4 Simple steps to
Unlock your property's potential!

Fill in the Mortgage Application Form

Just a few simple steps to fill in your property information.


Upload Documents

Upload your property's loan agreement or mortgage contract, and let us handle the rest.


Fast Home Loan Approval

We will notify you via WhatsApp with the detailed approval information in as little as 15 minutes.


Sign the Mortgage Aggrement in the Law Firm

Arrange an appointment with the attorney on the same day to process the relevant property loan documents.


Property Mortgage Client Reviews

Learn More?

Fill in the application form below to contact our Loan Adviser

Who are we?

About Credit KO

Credit KO aims to break the boundaries of traditional loans and revolutionize loan services. We offer a wide range of online personal loan products, catering to the needs of the new generation. Our goal is to provide quick solutions for all borrowing and financial needs, ensuring the most flexible, efficient, personalized, and customer-friendly loan options and professional service experience.

Credit KO

KO your loan matters

you might ask

Frequently Asked Questions


When applying for a property mortgage loan with Credit KO, the procedures and approval conditions are more flexible than those of traditional banks. There is no requirement for stress testing or proof of income, and personal credit checks (TU/TE) are unnecessary. Simply provide personal information, property details, and company information to access the loan and meet your financial needs easily. Enjoy the convenience of a quick approval process, with the possibility of approval within 30 minutes.

The loan amount for property mortgage loans depends on the customer’s credit rating, income, occupation, and financial condition. Credit KO offers property mortgage loans of up to HK$20 million with no processing fees (including lawyer’s fees and valuation fees). Additionally, the repayment period can be as long as 120 months, providing flexibility and freedom in repayment. Let us assist you in transforming your life through property ownership.

To apply for a Credit KO property mortgage loan, simply follow these four easy steps:

  1. Click Here to fill out the valuation application form.
  2. Upload the required documents.
  3. Receive a quick approval in as little as 15 minutes.
  4. Visit the lawyer’s office to sign the mortgage loan documents.

Mortgage interest rates for first property loans in HK are primarily based on the Hong Kong Interbank Offered Rate (HIBOR), which the Hong Kong Association of Banks determines. Other factors that can influence mortgage rates include the prime rate, set by banks based on their costs, and the loan-to-value ratio (LTV). The Hong Kong government also implements measures to regulate the property market, which can indirectly affect mortgage rates.

The maximum loan-to-value (LTV) ratio allowed when taking out a mortgage in Hong Kong varies depending on the type of property and the borrower’s financial situation. For residential properties, the maximum LTV is typically 60-90%, with higher ratios allowed for first-time homebuyers. However, the Hong Kong Monetary Authority (HKMA) has implemented measures to tighten lending standards, which may result in a lower maximum LTV for high-value properties.

In Hong Kong, a first mortgage is a loan taken out to purchase a property, while a reverse mortgage is a loan taken out against the equity of a property that is already owned. In a first mortgage, you make regular payments to the lender, gradually paying off the loan and building equity in the property. On the other hand, a reverse mortgage, a program managed by the Hong Kong Mortgage Corporation (HKMC) and available to pensioners aged 55 and above, allows homeowners to borrow against their home’s equity, typically without having to make regular payments. The loan is usually repaid when the homeowner sells the property or passes away. Reverse mortgages are commonly used by older homeowners to supplement their income in retirement.

For Further Inquiry, contact our Mortgage Specialist

Mortgage Loan Made for You