Share Mortgage Scheme

Introduction of Share Mortgage Scheme

  • Joining Phillip Share Mortgage Scheme, customer can purchase stocks from a designated stock list at market price by just deposit 30% of the value of the intended stock (minimum HK$30,000). The remaining 70% of the investment amount will be financed by Phillip. Interest rate of this scheme is fixed rate 3.38% p.a. There is 1% one-off handling fee (base on investment amount). 

Benefits of the plan


  • 12 and 24 installment period available

    12 months/24 months / 3-month payment holiday installment and first-month payment holiday with interest free (for option assign only)are available under this scheme, the monthly repayment amount for 24 months plans could be as low as around HK$3,000.

  • Interest rate as low as 3.38% p.a.

    Under this scheme, the interest rate for the 12 months installment is as low as 3.38%* p.a., 24 months installment period is as low as 4.38** p.a. , 3-month payment holiday installment is as low as 3.88%*** p.a., which are lower than the current margin rate.
    *P refers to Prime rate of Standard Chartered Bank, which is 5.25% on 26 June 2018.
    *P - 1.87% p.a. (While "P" = 5.25% p.a.)

    **P - 0.87% p.a. (While  "P" = 5.25% p.a.) 

    ***P - 1.37% p.a. (While  "P" = 5.25% p.a.)
    In each new Share Mortgage contract, “P”  refers to Prime rate of Standard Chartered Bank on draw down day.

  • Mortgaging Existing Stocks

    Client may mortgage existing stocks by transferring his/ her existing stocks in Master Account to Sub Account as collateral under the Scheme. The company will draw down up to 70% market value of the stock from Sub Account to Master Account.

  • Brokerage fee waiver

    Customer joining this scheme can enjoy brokerage fee waiver for both buy or sell order. It may help to increase client’s investment return.

  • Chance to earn dividend

    Customers are entitled to receive the dividend from the shares purchase, the dividend may enough to cover the interest expense of the scheme.

  • A various choices of stock

    Stocks with margin ratio 60% or above are available for this scheme. Customers have a wide range of choices.

  • Scheme stop any time without additional charges

    Client can repay the outstanding and terminate the scheme without any additional charges.

  1. Client joining the scheme should open a master account (margin account or cash account) and sub-account(Share Mortgage Scheme Account, margin account).
  2. Customer should deposit 30% of the investment amount (min HK$30,000) before joining the scheme.
  3. Customer should at least purchase 1 broad lot or HK$100,000 equivelant stock(whatever which is higher) on the designated stock list.
  4. Customer purchase same stock on the same trading day will regard as joining a same plan.
  5. Handling fee (1% of purchase amount) will be charged.
  6. The finance provided by Phillip should be repaid by 12 installments. Payment will be transferred from the Master Account to the Sub Account on the fifteenth day of each month.
  7. Customers can request their Account Executive to sell their stock at market price at any time.
  8. The fund received after the selling proceeds should be enough to cover the outstanding principal and interest accrued up to the settlement date. If the proceeds do not cover the outstanding principal and interest, the stocks remained will be sold out compulsorily on the next day at market.
  9. There is no addition charge for early termination of the plan, but customer has to complete the early termination application form and deposit the outstanding principle and interest accrued to the master account.
  10. There may be margin call if the net equity value (Market Value of Stock Collateral – Outstanding) of each contract in the Share Mortgage Account falls below 20% of the market value of the stock collateral.
  11. Client can only buy and sell stocks at market price. All transaction order can be only placed by Account Executive. Internet trading is not accepted.
  12. The scheme is for purchase amount form HK$100,000 to HK$1,000,000. Otherwise, it need special approval and takes longer time for approval.
SMS Stock List
Stock Code Stock Name Dividend Yield(%) Stock Code Stock Name Dividend Yield(%) Stock Code Stock Name Dividend Yield(%)
Last Review Date : Jul 17, 2018
1 CKH HOLDINGS 3.38 604 SHENZHEN INVEST 6.52 1963 BCQ 2.95
2 CLP HOLDINGS 3.29 606 CHINA AGRI 8.36 1972 SWIREPROPERTIES 2.64
3 HK & CHINA GAS 2.07 636 KERRY LOG NET 2.03 1988 MINSHENG BANK 4.52
4 WHARF HOLDINGS 6.15 656 FOSUN INTL 2.38 1997 WHARF REIC 1.71
5 HSBC HOLDINGS 5.44 659 NWS HOLDINGS 10.34 2006 JINJIANG HOTELS 3.03
6 POWER ASSETS 28.2 665 HAITONG INT'L 7.98 2039 CIMC 3.52
8 PCCW 6.58 669 TECHTRONIC IND 1.58 2196 FOSUN PHARMA 1.08
10 HANG LUNG GROUP 3.75 683 KERRY PPT 4.12 2202 CHINA VANKE 4.24
11 HANG SENG BANK 3.33 688 CHINA OVERSEAS 3.17 2208 GOLDWIND 2.57
12 HENDERSON LAND 3.77 694 BEIJING AIRPORT 3.29 2238 GAC GROUP 9.03
14 HYSAN DEV 3.2 696 TRAVELSKY TECH 1.26 2282 MGM CHINA 1.23
16 SHK PPT-500 3.49 700 TENCENT 0.23 2318 PING AN 2.55
17 NEW WORLD DEV 4.22 709 GIORDANO INT'L 7.43 2319 MENGNIU DAIRY 0.54
19 SWIRE PACIFIC A 2.5 728 CHINA TELECOM 3.22 2328 PICC P&C 4.51
20 WHEELOCK 2.63 737 HOPEWELL INFR 7.3 2333 GREATWALL MOTOR 3.89
23 BANK OF E ASIA 4.08 751 SKYWORTHDIGITAL 2.86 2338 WEICHAI POWER 5.05
27 GALAXY ENT 1.14 753 AIR CHINA 1.93 2356 DAHSING BANKING 2.5
34 KOWLOON DEV 7.71 762 CHINA UNICOM 0.66 2357 AVICHINA 0.77
41 GREAT EAGLE H 4.66 775 CKLIFE SCIENCES 1.92 2378 PRU 2.77
45 HK&S HOTELS 1.83 778 FORTUNE REIT 5.4 2380 CHINA POWER 5.58
52 FAIRWOOD HOLD 4.86 806 VALUE PARTNERS 16.48 2382 SUNNY OPTICAL 0.52
53 GUOCO GROUP 3.14 808 PROSPERITY REIT 5.56 2386 SINOPEC SEG 3.02
54 HOPEWELL HOLD 6.46 811 XINHUA WINSHARE 6.83 2388 BOC HONG KONG 3.86
62 TRANSPORT INT'L 5.57 823 LINK REIT 3.36 2588 BOC AVIATION 4.82
66 MTR CORPORATION 2.64 836 CHINA RES POWER 6.14 2601 CPIC 3.25
69 SHANGRI-LA ASIA 1.22 857 PETROCHINA 2.73 2607 SH PHARMA 2.08
81 CH OVS G OCEANS 1.5 880 SJM HOLDINGS 2.01 2611 GTJA 3.07
83 SINO LAND 4.22 882 TIANJIN DEV 2.77 2628 CHINA LIFE 2.42
87 SWIRE PACIFIC B 3.04 883 CNOOC 3.85 2638 HKELECTRIC-SS 5.04
97 HENDERSON INV 6.06 902 HUANENG POWER 2.14 2669 CHINA OVS PPT 1.09
101 HANG LUNG PPT 4.68 906 COFCO PACKAGING 4.64 2688 ENN ENERGY 1.28
107 SICHUAN EXPRESS 5.15 914 CONCH CEMENT 3.31 2727 SH ELECTRIC 4.36
123 YUEXIU PROPERTY 6.3 916 CHINA LONGYUAN 1.67 2778 CHAMPION REIT 4.61
127 CHINESE EST H 32.39 939 CCB 5.04 2799 CHINA HUARONG 10.13
135 KUNLUN ENERGY 3.65 941 CHINA MOBILE 9.28 2800 TRACKER FUND 3.18
142 FIRST PACIFIC 3.72 945 MANULIFE-S 3.61 2811 HT CSI300 ETF 0.8
144 CHINA MER PORT 13.83 958 HN RENEWABLES 1.91 2819 ABF HK IDX ETF 1.35
148 KINGBOARD HLDG 5.66 966 CHINA TAIPING 0.39 2822 CSOP A50 ETF 2.45
151 WANT WANT CHINA 3.45 973 L'OCCITANE 2.09 2823 ISHARES A50 2.48
152 SHENZHEN INT'L 6.68 991 DATANG POWER 4.93 2825 WISECSIHK100ETF 1.72
165 CHINA EB LTD 6.13 992 LENOVO GROUP 0.85 2828 HSCEI ETF 2.45
168 TSINGTAO BREW 1.19 995 ANHUIEXPRESSWAY 5.95 2833 HS HSI ETF 3.08
173 K. WAH INT'L 4.01 998 CITIC BANK 6.62 2838 HS FCI50 ETF 2.08
175 GEELY AUTO 1.42 1038 CKI HOLDINGS 3.89 2880 DALIAN PORT 2.42
177 JIANGSU EXPRESS 5.73 1044 HENGAN INT'L 3.37 2883 CHINA OILFIELD 1.02
179 JOHNSON ELEC H 2.25 1052 YUEXIUTRANSPORT 6.04 2888 STANCHART 1.23
200 MELCO INT'L DEV 0.27 1071 HUADIAN POWER 0.64 2899 ZIJIN MINING 3.84
215 HUTCHTEL HK 2.92 1083 TOWNGAS CHINA 1.88 3085 VANGUARDAXJHY 3.26
220 U-PRESID CHINA 1.81 1088 CHINA SHENHUA 6.37 3101 VANGUARDDVEUR 2.7
242 SHUN TAK HOLD 3.82 1093 CSPC PHARMA 0.66 3110 MR HS HDIVY ETF 4.15
257 CHINA EB INT'L 2.52 1099 SINOPHARM 2.04 3118 HGI MSCI CN A 0.16
267 CITIC 3.39 1109 CHINA RES LAND 3.55 3126 VANGUARDJAPAN 1.4
270 GUANGDONG INV 3.58 1111 CHONG HING BANK 3.61 3128 HS AINDTOPETF 0.94
288 WH GROUP 4.29 1113 CK ASSET 2.78 3137 CSOP CES A80 101.89
291 CHINA RES BEER 0.45 1114 BRILLIANCE CHI 0.96 3180 CAM CES A80 101.08
293 CATHAY PAC AIR 0.41 1122 QINGLING MOTORS 8.34 3188 CAM CSI300 0.95
303 VTECH HOLDINGS 7.28 1128 WYNN MACAU 3.92 3199 CSOP 5YCGBOND 3.56
308 CHINA TRAVEL HK 2.66 1133 HARBIN ELECTRIC 0.74 3308 GOLDEN EAGLE 4.49
315 SMARTONE TELE 7.43 1135 ASIA SATELLITE 7.18 3311 CHINA STATE CON 4.49
316 OOIL 0.21 1171 YANZHOU COAL 5.86 3320 CHINARES PHARMA 0.98
321 TEXWINCA HOLD 10.48 1177 SINO BIOPHARM 0.61 3323 CNBM 1.6
322 TINGYI 1.06 1186 CHINA RAIL CONS 2.82 3328 BANKCOMM 6.19
327 PAX GLOBAL 2.09 1193 CHINA RES GAS 1.52 3377 SINO-OCEAN GP 7.29
338 SHANGHAI PECHEM 7.22 1199 COSCO SHIP PORT 3.35 3378 XIAMEN PORT 3.44
341 CAFE DE CORAL H 6.06 1211 BYD COMPANY 0.37 3382 TIANJINPORT DEV 5.32
345 VITASOY INT'L 1.31 1257 CEB GREENTECH 1.17 3396 LEGENDHOLDING 1.38
347 ANGANG STEEL 3.86 1270 LANGHAM-SS 6.71 3606 FUYAO GLASS 3.2
358 JIANGXI COPPER 2.61 1288 ABC 5.89 3618 CQRC BANK 5.55
363 SHANGHAI IND H 5.3 1299 AIA 1.45 3698 HUISHANG BANK 0.88
371 BJ ENT WATER 3.6 1313 CHINARES CEMENT 3.47 3808 SINOTRUK 6
384 CHINA GAS HOLD 1 1336 NCI 1.95 3888 KINGSOFT 0.5
386 SINOPEC CORP 8.47 1339 PICC GROUP 1.37 3898 CRRC TIMES ELEC 1.3
388 HKEX 2.31 1359 CHINA CINDA 7.95 3908 CICC 1.45
390 CHINA RAILWAY 2.3 1398 ICBC 5.17 3968 CM BANK 3.58
392 BEIJING ENT 2.58 1508 CHINA RE 3.59 3969 CHINA CRSC 3.36
405 YUEXIU REIT 6.2 1618 MCC 3.69 3983 CHINA BLUECHEM 3.11
435 SUNLIGHT REIT 6.19 1658 PSBC 3.49 3988 BANK OF CHINA 5.83
440 DAH SING 16.21 1668 CHINASOUTHCITY 3.33 6030 CITIC SEC 3.16
480 HKR INT'L 2.05 1766 CRRC 2.97 6099 CMSC 4.15
489 DONGFENG GROUP 5.43 1776 GF SEC 4.43 6178 EB SECURITIES 2.73
494 LI & FUNG 2.94 1788 GUOTAI JUNAN I 4.66 6818 CEB BANK 6.62
506 CHINA FOODS 25.96 1800 CHINA COMM CONS 4.03 6823 HKT-SS 6.29
511 TVB 7.9 1811 CGN NEW ENERGY 2.04 6837 HAITONG SEC 3.55
517 COSCO SHIP INTL 6.21 1816 CGN POWER 4.03 6881 CGS 3.71
522 ASM PACIFIC 2.54 1818 ZHAOJIN MINING 1.18 80737 HOPEWELL INFR-R 7.86
525 GUANGSHEN RAIL 2.36 1829 CMEC 5.26 82811 HT CSI300 ETF-R 0.79
548 SHENZHENEXPRESS 5.05 1848 CALC 7.61 82822 CSOP A50 ETF-R 2.4
551 YUE YUEN IND 22.22 1881 REGAL REIT 6.3 82823 ISHARES A50-R 2.42
552 CHINACOMSERVICE 3.38 1883 CITIC TELECOM 7.37 82828 HSCEI ETF-R 2.39
576 ZHEJIANGEXPRESS 7.6 1888 KB LAMINATES 8.45 82833 HS HSI ETF-R 3.01
579 JNCEC 5.19 1898 CHINA COAL 2.16 83188 CAM CSI300-R 0.92
586 CONCH VENTURE 1.82 1928 SANDS CHINA LTD 4.76 83199 CSOP 5YCGBOND-R 3.47
588 BEIJING N STAR 5.15 1929 CHOW TAI FOOK 6.53 87001 HUI XIAN REIT 8.27
598 SINOTRANS 3.72 1958 BAIC MOTOR 1.84 0
Source: Etnet.Annual dividend yield is annual dividend per share divided by closing price per share. It is for references only with your own discretion. Before investing, investors should check the latest stock prices from quotation providers or professional advisers.

The Company reserves the right to alter these terms and conditions without prior notice and has final and irrevocable discretion in case of dispute.Investment involves risks. Please refer to the Risk Disclosures Statement on our website at www.poems.com.hk. You may contact our Customer Service Department at cs@phillip.com.hk or 2277 6555 to opt out of receiving marketing materials.
MONTHLY REPAYMENT 0.00 TOTAL INTEREST 0.00
TERM DATE REPAYMENT INTEREST PRINCIPAL BALANCE
0.00

The above information generated by the calculator is for reference only. No warranty or representation is given by the company as to its accuracy and completeness.

 

Joining Phillip’s Share Mortgage Scheme, customer can purchase stocks from a designated stock list at market price by just deposit 30% of the value of the intended stock (minimum HK$30,000). The remaining 70% of the investment amount will be financed by Phillip. Interest rate of this scheme is fixed rate 3.38% p.a.. There is 1% one-off handling fee (base on investment amount).

For the details of Share Mortgage Scheme, click here

The following is the available SGX stock list for Share Mortgage Scheme. It will be updated time to time。

For margin ratio of each stock, click here

Stock Code SGX Code Stock Name Stock Name(Chinese) Margin Ratio
ARE.SG A17U ASCENDAS REAL ESTATE INVESTMENT TRUST 騰飛房產投資信托 0.7
ASR.SG A68U ASCOTT RESIDENCE TRUST 雅詩閣 0.7
BOH.SG B28 BONVESTS HOLDINGS LTD 鴻運控股 0.7
CCT.SG C61U CAPITALAND COMMERCIAL TRUST 凱德商務產業信託 0.6
CDLT.SG J85 CDL HOSPITALITY TRUSTS 0.5
CFD.SG C52 COMFORTDELGRO CORP LTD 康福德高企業 0.7
CID.SG C09 CITY DEVELOPMENTS LTD 城市發展 0.7
CPL.SG C31 CAPITALAND LTD 嘉德置地 0.7
CRCT.SG AU8U CAPITALAND RETAIL CHINA TRUST MANAGEMENT 凱德商用中國信託 0.6
CSE.SG 544 CSE GLOBAL LTD CSE環球 0.7
CTM.SG C38U CAPITALAND MALL TRUST 嘉茂商産信託 0.7
DBS.SG D05 DBS GROUP HOLDINGS LTD 星展集團控股 0.7
DFH.SG D01 DAIRY FARM INTERNATIONAL HOLDINGS LTD 牛奶公司 900USD 0.8
DMP.SG D03 DEL MONTE PACIFIC LTD 德蒙特 0.7
FCPT.SG J69U FRASERS CENTREPOINT TRUST 星獅地產信託 0.5
FCPTA.SG TQ5 FRASERS CENTREPOINT LTD 星獅地產 0.5
FNLS.SG F99 FRASER AND NEAVE LTD 星獅 0.5
FRCT.SG ND8U FRASERS COMMERCIAL TRUST 星獅商產信託 0.7
FRE.SG F25U FORTUNE REAL ESTATE INVESTMENT TRUST 置富產業信托HKD 0.6
GARSA.SG E5H GOLDEN AGRI-RESOURCES LTD 金光農業資源 0.5
GCL.SG F17 GUOCOLAND LTD 國浩置地 0.5
GIP.SG G13 GENTING SINGAPORE PLC 雲頂國際 0.7
GKG.SG G41 GK GOH HOLDINGS LTD 吳控股 0.7
GPE.SG G20 GP INDUSTRIES LTD GP工業 0.5
HKL.SG H78 HONGKONG LAND HOLDINGS LTD 香港置地USD 0.8
HLF.SG S41 HONG LEONG FINANCE LTD 豐隆金融 0.5
HPH.SG NS8U HUTCHISON PORT HOLDINGS TRUST 和記港口 0.6
HPR.SG H15 HOTEL PROPERTIES LTD 旅店置業 0.7
IARS.SG 5JS INDOFOOD AGRI RESOURCES LTD 印多福農業資源 0.5
ISMI.SG I98 ISHARES MSCI INDIA INDEX ETF iShares MSCI印度指數ETF 0.5
JCC.SG C07 JARDINE CYCLE & CARRIAGE LTD 怡和合發 0.7
JMH.SG J36 JARDINE MATHESON HOLDINGS LTD 怡和控股 400USD 0.8
JSH.SG J37 JARDINE STRATEGIC HOLDINGS LTD 怡和策略 500USD 0.8
KBC.SG K14 KINGBOARD COPPER FOIL HOLDINGS LTD 建滔銅箔 0.7
KEPDC.SG AJBU KEPPEL DC REIT 吉寶數據中心信託 0.5
KEPS.SG BN4 KEPPEL CORP LTD 吉寶企業 0.7
KRA.SG K71U KEPPEL REIT 吉寶房地產信托 0.7
MBOA.SG B2F M1 LTD 第一通 0.5
MCT.SG N2IU MAPLETREE COMMERCIAL TRUST 豐樹商業信託 0.6
METS.SG M01 METRO HOLDINGS LTD/SINGAPORE 美羅 0.7
MGCT.SG RW0U MAPLETREE NORTH ASIA COMMERCIA 豐樹大中華商業信託 0.6
MIT.SG ME8U MAPLETREE INDUSTRIAL TRUST 豐樹工業信託 0.6
MOI.SG M04 MANDARIN ORIENTAL INTERNATIONAL LTD 文華東方USD 0.7
MTLT.SG M44U MAPLETREE LOGISTICS TRUST 豐樹物流信托 0.6
OCBS.SG O39 OVERSEA-CHINESE BANKING CORP LTD 華僑銀行 0.7
OHT.SG SK7 OUE HOSPITALITY TRUST 華聯酒店信託 0.5
PAREIT.SG BYI PHILLIP SGX APAC DIVIDEND LEADERS REIT ETF 0.5
PCDS.SG P15 PACIFIC CENTURY REGIONAL DEVELOPMENTS LTD 盈科亞洲拓展 0.5
PHAPS.SG BYJ PHILLIP SGX APAC DIVIDEND LEADERS REIT ETF 0.5
PLRE.SG C2PU PARKWAY LIFE REAL ESTATE INVESTMENT TRUST 0.5
SATS.SG S58 SATS LTD 新翔 0.5
SCIS.SG U96 SEMBCORP INDUSTRIES LTD 勝科工業 0.7
SGT.SG Z74 SINGAPORE TELECOMMUNICATIONS LTD 新電訊 0.7
SGX.SG S68 SINGAPORE EXCHANGE LTD 新加坡交易所 0.7
SHG.SG P40U STARHILL GLOBAL REIT 升喜全球產業信託 0.6
SIAA.SG C6L SINGAPORE AIRLINES LTD 新航 0.7
SIE.SG S59 SIA ENGINEERING CO LTD 新航工程 0.7
SML.SG S51 SEMBCORP MARINE LTD 勝科海事 0.5
SPHS.SG T39 SINGAPORE PRESS HOLDINGS LTD 報業控股 0.7
SPL.SG S08 SINGAPORE POST LTD 新郵政 0.7
SRE.SG SK6U SPH REIT 報業控股房地產信託 0.5
STIS.SG ES3 SPDR SG STRAITS TIMES INDEX ETF 道富新加坡海峽指數 ETF 0.6
STN.SG S63 SINGAPORE TECHNOLOGIES ENGINEERING LTD 新科工程 0.5
STRH.SG CC3 STARHUB LTD 星和 0.7
SUN.SG T82U SUNTEC REAL ESTATE INVESTMENT TRUST 新達房地產信托 0.7
SVA.SG 5CP SILVERLAKE AXIS LTD 銀湖寰宇 0.7
TBV.SG Y92 THAI BEVERAGE PCL 泰國釀酒 0.5
UIC.SG U06 UNITED INDUSTRIAL CORP LTD 聯合工業 0.7
UOB.SG U11 UNITED OVERSEAS BANK LTD 大華銀行 0.7
UOK.SG U10 UOB-KAY HIAN HOLDINGS LTD 大華繼顯控股 0.5
VMS.SG V03 VENTURE CORP LTD 創業公司 0.5
WMI.SG F34 WILMAR INTERNATIONAL LTD 豐益國際 0.5

Chinese name of the companies are for reference only.

Last Update Date: 16 November 2015

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Share Mortgage Scheme
Tel : (852) 2277 6647
Email : smp@phillip.com.hk

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