Property Revolving Credit LineFinancial Flexibilty with Property Revolving Credit Line

Phillip Securities Group has always committed to provide customers diversified services. Its subsidiary, Phillip Finance (HK), now offers customers a first property mortgage , second property mortgage and policy financing service. It is easy to apply, promptly approved, and personalized interest rates and loans are available. No interest would be charged before the date of drawdown of credit line.

Tier-based Interest for First Mortgage on Residential Property

The interest rate is now calculated in proportion to the loan-to-value (LTV) ratio of the mortgage loan! The lower the LTV ratio, the lower interest rate.


mortgage advantages



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Promotion materials are in Chinese only, please contact (852) 2277 6677 for any enquiry.

丈夫200%努力誓令太太幸福! #結婚周年禮物 #保費融資







1. 善用有限資金,分散投資組合

2. 持有一筆過付款保單(已全數支付應繳保費)

3. 計劃支取資金,但是不滿足於退保安排


1. 一方面可持有保單至到期,收取保單的到期保證金;一方面取得循環貸款,投資其他輝立產品。

2. 償還貸款後,繼續擁有保證年金、保險保障等權益。

3. 投資產品不限。

4. 貸款動用才開始計息。


申請資格: 持有一筆過付款(已全數支付應繳保費)的中國人壽(海外)及永明金融保單
貸款利率: 貸款年利率按P減 2.5%計算。P以渣打銀行港元最優惠利率(P)為準。
貸款比率: 高達保證現金價值的90%
還款方式: 僅償還利息/本金及利息
貸款貨幣: 港元
還款安排: 每月







查詢:2277 6509



若 閣下欲停止接收我們的資訊,請電郵至或致電 (852) 2277 6555 以聯絡客戶服務部。


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Frequently Asked Questions

1.Why choose Phillip Finance?

We offer professional property mortgage services, 80% loan-to-value for property appreciation, no TU, no penalty interest for early repayment, and up to 70% loan-to-value for any property.

2. What types of properties can I apply for a property loan?

Private properties, tenement buildings, HOS, small houses, village houses, shops, factories, offices and parking spaces are all eligible for property loans, regardless of their age.

3. What is the annual interest rate of Phillip Finances' first mortgage loan?

The annual interest rate is as low as 3.88% (SCB Prime - 1.37%).

4. Are there any fees and charges during the loan processing period?

We do not charge any legal fees, handling fees or valuation fees, and the loan application process is completely free of charge. No fee will be charged if the loan application is not approved, cancelled, or if the loan is not confirmed and accepted.

5. What documents do I need to apply for a loan?

The following documents are required: identification documents (e.g. HKID card, passport), proof of address (e.g. recent rates statement, management fee statement), bank statement for the last 3 months, proof of salary for the last 3 months, loan notification letter from the financial institution.

6. How long does the approval process take after submitting the information?

If the information is complete and correct, the approval process will take about 2 to 3 working days.

7. How can I apply for a loan?

You can Apply Online Or via Phone by calling 2277 6811, WhatsApp 6266 8610, WeChat ID PFHK 2021 or via e-mail.

8.What are the other channels besides online application?

You may visit our office (Address: 11-12/F, United Centre, 95 Queensway, Hong Kong (Exit D, Admiralty Railway Station).

9. Can I apply for a loan if the property is owned by a company?

Yes, the loan can be obtained by all company owners.

10. Can I apply for a mortgage or loan if I am a Mainlander?

Yes, the applicant must provide your Chinese ID card and personal information such as proof of address, proof of employment, etc.

Kick start your journey with us today in Fintech era

Phillip Securities Group is one of the members of Phillip Capital. Phillip Capital founded in 1975 in Singapore, our group member companies operate in 15 financial hubs, with offices in Singapore, Hong Kong, China, US, Japan, UK, Australia, Malaysia, Thailand, Indonesia, Turkey, India, Cambodia and Dubai. With more than 5,000 employees and access to multi-markets across 26 exchanges worldwide, serving over 1,000,000 individual clients, families and institutional customers around the world, we are entrusted with over $35 billion US Dollars from patrons to manage their assets, and our shareholder’s fund has exceeded to $2.4 billion US Dollars.
In Hong Kong, our group companies include Phillip Securities (HK) Limited, Phillip Commodities (HK) Limited, Phillip Capital Management (HK) Limited, Phillip Financial Advisors (HK) Limited, Phillip Finance (HK) Limited, Phillip Institute of Financial Learning Co Limited and Phillip Bullion Limited. We provide a full range of quality and innovative financial services to individuals, corporate and institutional, investors including securities, futures, options, forex, unit trusts, asset management, insurance, investor education and investment research.


The first generation of Phillip Online Electronic Mart System (POEMS) has been launched since 1998.
“PhillipMart”- our Pre-IPO matching platform since 2006, allows customers and institutions to transact IPO securities one day before listing on Exchange. Our trading volume has always ranked top among Fintech peers.
Phillip iPhone / Android has been launched since 2011.
Today, our development and offerings range from online account opening, FPS real time fund transfer, eDDA, and other infrastructure accelerating the facilitation of online trading in major global markets round-the-clock anywhere.

Intro of Phillip Securities Hong Kong

Stocks, Futures, Options, Forex, Bullion, Bond, Unit Trust, insurance are among the products we offer. Our service include IPO Subscription, PhillipMart, asset management, Stock Borrowing and Lending, margin financing, premium financing, MPF, property agency and mortgage.

POEMS: Award-Winning Broker

We were honored to have won awards/ have been given accomplishments as below in recent years:

YearAward / Accomplishment
2014 2014 Top 10 HK Brokerage Firm- Third Chinese(Overseas) Financial Annual Champion Award
2015 2015 Best Internet Broker -HKCD 2015 Polling and 2016 The Greater China Financial Development and Opportunity Forum
2017 RMB Currency Options-USD/CNH Options Active Exchange Participant - HKEX 
2018 HKEX Exchange Participant in Gold Futures; HKEX Key business Partner of RMB Fixed Income and Currency

The material is in Chinese only.

個案1: 循環備用信用額
樓宇現價: $8,000,000
剩餘按揭貸款: $0

林周先生現擁有一私人物業且沒有任何按揭貸款,而周先生剛起步的網店每幾個月便需要資金進貨。 因此他便以其物業作抵押保證,申請了400萬循環備用信用額,令到他可靈活調配資金。進貨時才提取貸款,收到貨款就可隨時償還,而利息只按每日已動用之抵押信用透支額計算,備用金助他踏上創業青雲路,解決了一直存在之周轉困難問題。


個案2: 二按
樓宇現價: $8,000,000
剩餘按揭貸款: $2,800,000



個案3: 過渡性貸款
樓宇現價: $8,000,000
剩餘按揭貸款: $0



個案4: 免TU



個案5: 物業轉按
樓宇現價: $8,000,000
一按欠銀行: $1,800,000
二按欠財務: $900,000



Promotion materials are in Chinese only, please contact (852) 2277 6677 for any enquiry.

or e-mail



Warning: You have to repay your loans. Don’t pay any intermediaries.

Money Lenders Ordinance Lender’s License number: 1116/2023  CR Note Complaint Hotline : 2277 6555

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