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. 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 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 2.88% p.a.

    Under this scheme, the interest rate for the 12 months installment is as low as 2.88 % p.a.*. The interest rate for First-month Payment Holiday with Interest Free is 3.38% **. THe intereset rate for 24 months installment period is as low as 3.88 %*** p.a.

    *P refers to Hong Kong Dollar Prime rate of Standard Chartered Bank, which is 5.25% on 1 November 2019.

    *P -2.37% p.a. (While "P" = 5.25% p.a.)

    **P - 1.87% 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.

  • Entitled to receive dividend

    Customers are entitled to receive the dividend from the shares purchase.

  • 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.
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.

 

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 14, 2020
1 CKH HOLDINGS 6.13 665 HAITONG INT'L 6.05 2196 FOSUN PHARMA 1.4
2 CLP HOLDINGS 4.22 669 TECHTRONIC IND 1.27 2208 GOLDWIND 2.5
3 HK & CHINA GAS 2.9 683 KERRY PPT 6.68 2238 GAC GROUP 3.43
4 WHARF HOLDINGS 2.21 688 CHINA OVERSEAS 4.09 2282 MGM CHINA 1.78
5 HSBC HOLDINGS 6.34 694 BEIJING AIRPORT 5.23 2313 SHENZHOU INTL 2.08
6 POWER ASSETS 6.51 696 TRAVELSKY TECH 2.2 2318 PING AN 2.63
8 PCCW 7.37 700 TENCENT 0.23 2319 MENGNIU DAIRY 0.58
10 HANG LUNG GROUP 5.69 709 GIORDANO INT'L 12.17 2328 PICC P&C 7.75
11 HANG SENG BANK 6.35 728 CHINA TELECOM 5.46 2333 GREATWALL MOTOR 4.2
12 HENDERSON LAND 6.01 737 BAY AREA DEV 8.33 2338 WEICHAI POWER 1.85
14 HYSAN DEV 6.29 753 AIR CHINA 1.05 2356 DAHSING BANKING 6.61
16 SHK PPT 5.03 762 CHINA UNICOM 3.52 2357 AVICHINA 0.74
17 NEWWORLDDEV-NEW 5.17 775 CKLIFE SCIENCES 1.02 2378 PRU 3.05
19 SWIRE PACIFIC A 7.08 778 FORTUNE REIT 7.48 2380 CHINA POWER 9.75
20 WHEELOCK 2.57 788 CHINA TOWER 1.09 2382 SUNNY OPTICAL 0.58
23 BANK OF E ASIA 2.61 806 VALUE PARTNERS 4.82 2386 SINOPEC SEG 10.58
27 GALAXY ENT 1.69 808 PROSPERITY REIT 7.92 2388 BOC HONG KONG 6.77
34 KOWLOON DEV 9.31 811 XINHUA WINSHARE 6.26 2588 BOC AVIATION 5.76
41 GREAT EAGLE H 7.02 823 LINK REIT 4.58 2601 CPIC 5.43
45 HK&S HOTELS 1.93 836 CHINA RES POWER 5.76 2607 SH PHARMA 3.41
52 FAIRWOOD HOLD 4.41 857 PETROCHINA 5.94 2611 GTJA 3.06
53 GUOCO GROUP 3.7 861 DC HOLDINGS 1 2628 CHINA LIFE 4.27
62 TRANSPORT INT'L 6.7 880 SJM HOLDINGS 3.16 2638 HKELECTRIC-SS 4.05
66 MTR CORPORATION 3.15 882 TIANJIN DEV 4.3 2688 ENN ENERGY 1.84
69 SHANGRI-LA ASIA 1.31 883 CNOOC 8.94 2689 ND PAPER 3.75
81 CH OVS G OCEANS 5.23 902 HUANENG POWER 4.67 2778 CHAMPION REIT 6.35
83 SINO LAND 5.46 906 COFCO PACKAGING 4.63 2800 TRACKER FUND 3.56
87 SWIRE PACIFIC B 7.98 914 CONCH CEMENT 3.99 2801 ISHARES CHINA 0.94
97 HENDERSON INV 7.59 916 CHINA LONGYUAN 2.6 2802 ISHARES EM ASIA 1.35
101 HANG LUNG PPT 3.72 939 CCB 5.72 2821 ABF PAIF 2.83
107 SICHUAN EXPRESS 6.5 941 CHINA MOBILE 5.97 2822 CSOP A50 ETF 2.2
123 YUEXIU PROPERTY 6.89 945 MANULIFE-S 5.87 2823 ISHARES A50 1.39
135 KUNLUN ENERGY 5.16 966 CHINA TAIPING 2.02 2828 HSCEI ETF 2.72
142 FIRST PACIFIC 1.07 973 L'OCCITANE 1.36 2833 HS HSI ETF 3.52
144 CHINA MER PORT 8.61 991 DATANG POWER 6.91 2836 ISHARES INDIA 0.72
148 KINGBOARD HLDG 5.94 992 LENOVO GROUP 5.97 2838 HS FCI50 ETF 2.33
151 WANT WANT CHINA 5.31 995 ANHUIEXPRESSWAY 6.64 2843 AMUNDI A50 1.54
152 SHENZHEN INT'L 8.92 998 CITIC BANK 7.42 2846 ISHARESCSI300 1.11
165 CHINA EB LTD 3.3 1038 CKI HOLDINGS 6.21 2866 COSCO SHIP DEV 5.99
168 TSINGTAO BREW 0.93 1044 HENGAN INT'L 3.95 2880 DALIAN PORT 3.05
173 K. WAH INT'L 5.92 1052 YUEXIUTRANSPORT 7.62 2883 CHINA OILFIELD 2.7
175 GEELY AUTO 1.38 1071 HUADIAN POWER 7.29 2888 STANCHART 1.28
177 JIANGSU EXPRESS 5.6 1072 DONGFANG ELEC 5.18 2899 ZIJIN MINING 2.33
179 JOHNSON ELEC H 0.15 1083 TOWNGAS CHINA 3.87 2909 NEWWORLDDEV-OLD 5.3
200 MELCO INT'L DEV 0.58 1088 CHINA SHENHUA 10.52 3010 ISHARES AXJ 2.43
215 HUTCHTEL HK 5.23 1093 CSPC PHARMA 1.25 3070 PING AN HKDIV 5.12
220 U-PRESID CHINA 4.08 1099 SINOPHARM 3.46 3074 ISHARESMSCITW 2.67
242 SHUN TAK HOLD 6.27 1109 CHINA RES LAND 3.48 3085 VANGUARDAXJHY 3.51
257 CHINA EB INT'L 5.84 1111 CHONG HING BANK 6.04 3086 BMO NASDAQ100 0.33
267 CITIC 6.02 1113 CK ASSET 4.57 3101 VANGUARDDVEUR 3.16
270 GUANGDONG INV 4.06 1114 BRILLIANCE CHI 10.47 3126 VANGUARDJAPAN 1.84
288 WH GROUP 4.25 1122 QINGLING MOTORS 12.5 3128 HS AINDTOPETF 1.35
291 CHINA RES BEER 0.38 1128 WYNN MACAU 3.15 3140 VANGUARDSP500 0.94
303 VTECH HOLDINGS 9.36 1169 HAIER ELEC 2.05 3141 BMO ASIA IGB 3.01
308 CHINA TRAVEL HK 2.54 1171 YANZHOU COAL 27.25 3167 ICBCCSOPCHINA 1.15
315 SMARTONE TELE 9.49 1177 SINO BIOPHARM 0.53 3169 VANGUARDCHINA 1.22
316 OOIL 44.28 1186 CHINA RAIL CONS 3.43 3188 CAM CSI300 0.8
321 TEXWINCA HOLD 9.09 1193 CHINA RES GAS 2.27 3308 GOLDEN EAGLE 5
322 TINGYI 4.81 1199 COSCO SHIP PORT 7.26 3311 CHINA STATE CON 6.4
323 MAANSHAN IRON 3.99 1211 BYD COMPANY 0.08 3320 CHINARES PHARMA 2.3
327 PAX GLOBAL 2.94 1257 CEB GREENTECH 4.76 3323 CNBM 4.41
338 SHANGHAI PECHEM 6.91 1270 LANGHAM-SS 10.9 3328 BANKCOMM 7.67
341 CAFE DE CORAL H 1.31 1288 ABC 7.01 3377 SINO-OCEAN GP 6.87
345 VITASOY INT'L 1.08 1299 AIA 1.72 3378 XIAMEN PORT 3.28
347 ANGANG STEEL 2.86 1313 CHINARES CEMENT 6.02 3382 TIANJINPORT DEV 4.24
358 JIANGXI COPPER 1.11 1336 NCI 4.89 3396 LEGENDHOLDING 3.07
363 SHANGHAI IND H 4.2 1339 PICC GROUP 4.84 3606 FUYAO GLASS 3.85
371 BJ ENT WATER 5.67 1359 CHINA CINDA 7.12 3808 SINOTRUK 1.76
384 CHINA GAS HOLD 2.01 1398 ICBC 5.99 3888 KINGSOFT 0.23
386 SINOPEC CORP 10.28 1503 CMC REIT 0.51 3898 CRRC TIMES ELEC 1.57
388 HKEX 1.89 1508 CHINA RE 5.23 3968 CM BANK 3.46
390 CHINA RAILWAY 4.25 1618 MCC 5.51 3969 CHINA CRSC 5.99
392 BEIJING ENT 4.18 1658 PSBC 5.08 3983 CHINA BLUECHEM 7.19
405 YUEXIU REIT 7.62 1668 CHINASOUTHCITY 3.45 3988 BANK OF CHINA 7.65
435 SUNLIGHT REIT 7.07 1766 CRRC 4.58 6030 CITIC SEC 2.95
440 DAH SING 6.5 1776 GF SEC 6.57 6110 TOPSPORTS 2.19
480 HKR INT'L 3.69 1788 GUOTAI JUNAN I 5.34 6178 EB SECURITIES 0.42
489 DONGFENG GROUP 7.59 1800 CHINA COMM CONS 5.5 6818 CEB BANK 7.47
506 CHINA FOODS 1.75 1816 CGN POWER 4.96 6823 HKT-SS 6.19
517 COSCO SHIP INTL 6.96 1818 ZHAOJIN MINING 0.46 6881 CGS 3.21
522 ASM PACIFIC 2.06 1829 CMEC 9.38 6886 HTSC 2.16
525 GUANGSHEN RAIL 4.02 1848 CALC 11.27 9010 ISHARES AXJ-U 2.41
548 SHENZHENEXPRESS 7.61 1876 BUD APAC 0.83 9074 ISHARESMSCITW-U 2.67
551 YUE YUEN IND 8.97 1881 REGAL REIT 10.08 9115 ISHARESHSI-U 3.51
552 CHINACOMSERVICE 3.4 1883 CITIC TELECOM 8.13 80737 BAY AREA DEV-R 8.02
576 ZHEJIANGEXPRESS 6.4 1888 KB LAMINATES 9.08 82822 CSOP A50 ETF-R 2.17
579 JNCEC 3.92 1898 CHINA COAL 7.17 82823 ISHARES A50-R 1.37
586 CONCH VENTURE 1.92 1928 SANDS CHINA LTD 3.06 82828 HSCEI ETF-R 2.69
588 BEIJING N STAR 9.36 1929 CHOW TAI FOOK 3.16 82833 HS HSI ETF-R 3.48
598 SINOTRANS 7.49 1958 BAIC MOTOR 5 82843 AMUNDI A50-R 1.55
604 SHENZHEN INVEST 6.9 1972 SWIREPROPERTIES 4.64 83074 ISHARESMSCITW-R 2.63
636 KERRY LOG NET 5.46 1997 WHARF REIC 6.13 83188 CAM CSI300-R 0.79
656 FOSUN INTL 4.02 2006 JINJIANGCAPITAL 5.02 87001 HUI XIAN REIT 10.28
659 NWS HOLDINGS 8.72 2039 CIMC 1.81 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.

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
CROMRE.SG CSFU CROMWELL EUROPEAN REAL ESTATE INVESTMENT TRUST 0.5
CROMW.SG CNNU CROMWELL EUROPEAN REAL ESTATE INVESTMENT TRUST 0.5
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
ECWRE.SG BWCU EC WORLD REAL ESTATE INVESTMENT TRUST UNIT 0.5
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
FHT.SG ACV FRASERS HOSPITALITY TRUST 星獅酒店信託 0.5
FLTAU.SG BWQU FRASERS LOGISTICS & INDUSTRIAL TRUST 星獅物流及工業信託 0.5
FNLS.SG F99 FRASER AND NEAVE LTD 星獅 0.5
FRLIT.SG BUOU FRASERS LOGISTICS & INDUSTRIAL TRUST FRASERS LOGISTICS & INDUSTRI 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
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
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
KEPDC.SG AJBU KEPPEL DC REIT 吉寶數據中心房地產投資信託 0.6
KEPS.SG BN4 KEPPEL CORP LTD 吉寶企業 0.7
KORE.SG CMOU KEPPEL PACIFIC OAK US REIT 0.5
KRA.SG K71U KEPPEL REIT 吉寶房地產信托 0.7
LMT.SG D5IU LIPPO MALLS INDONESIA RETAIL TRUST 0.5
LREIT.SG JYEU LENDLEASE GLOBAL COMMERCIAL REIT 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 0.7
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
OUECR.SG TS0U OUE COMMERCIAL REAL ESTATE INVESTMENT TRUST 華聯商用不動產投資信託 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
SASUR.SG CRPU SASSEUR REAL ESTATE INVESTMENT TRUST 0.5
SATS.SG S58 SATS LTD 新翔 0.5
SBNR.SG M1GU SABANA SHARI'AH COMPLIANT INDUSTRIAL REAL ESTATE INVESTMENT TRUST 不動產投資信託 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

Low margin interest rate, hign margin ratio, laeverage up to 5x

Lowest Margin interest rate of HK Stock: 2.75% p.a.

All of the following stock margin ratio is only for reference, which is subjected to change as determined by both the market and specific company factor. We deserve the right to provide a different ratio to client based on his account situation.

Phillip Securities (HK) Ltd - Stock Margin Ratio(Effective from July 15, 2020)

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

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