Share Mortgage Scheme

Did my master fool me? Only a few stocks in portfolio after investing for years?

 

Grandparents' Story of Blue Chip Stock- Share Mortgage Purchase

 

What is Share Mortgage and how to start your plan?

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 : Jun 30, 2022
1 CKH HOLDINGS 4.34 669 TECHTRONIC IND 1.65 2208 GOLDWIND 1.25
2 CLP HOLDINGS 4.74 683 KERRY PPT 6.22 2238 GAC GROUP 2.96
3 HK & CHINA GAS 4.16 688 CHINA OVERSEAS 4.22 2313 SHENZHOU INTL 2.04
4 WHARF HOLDINGS 1.42 694 BEIJING AIRPORT 5.3 2314 LEE & MAN PAPER 8.72
5 HSBC HOLDINGS 2.24 696 TRAVELSKY TECH 2.1 2318 PING AN 4.87
6 POWER ASSETS 5.72 700 TENCENT 0.33 2319 MENGNIU DAIRY 0.53
8 PCCW 7.72 709 GIORDANO INT'L 5.43 2328 PICC P&C 6.25
10 HANG LUNG GROUP 5.44 728 CHINA TELECOM 4.7 2333 GREATWALL MOTOR 1.73
11 HANG SENG BANK 3.98 737 BAY AREA DEV 9.29 2338 WEICHAI POWER 2.56
12 HENDERSON LAND 6.11 753 AIR CHINA 0.71 2356 DAHSING BANKING 7.5
14 HYSAN DEV 6.08 762 CHINA UNICOM 5.34 2357 AVICHINA 0.75
16 SHK PPT 5.28 775 CKLIFE SCIENCES 1.2 2378 PRU 1.27
17 NEW WORLD DEV 7.17 778 FORTUNE REIT 7.17 2380 CHINA POWER 3.37
19 SWIRE PACIFIC A 3.59 788 CHINA TOWER 2.71 2382 SUNNY OPTICAL 0.82
23 BANK OF E ASIA 3.61 806 VALUE PARTNERS 11.18 2386 SINOPEC SEG 9.88
34 KOWLOON DEV 8.07 808 PROSPERITY REIT 7.46 2388 BOC HONG KONG 4.97
41 GREAT EAGLE H 16.04 811 XINHUA WINSHARE 6.05 2588 BOC AVIATION 2.99
52 FAIRWOOD HOLD 5.21 823 LINK REIT 4.42 2601 CPIC 7.01
53 GUOCO GROUP 0.4 836 CHINA RES POWER 4.09 2607 SH PHARMA 3.75
62 TRANSPORT INT'L 4.22 857 PETROCHINA 4.25 2611 GTJA 4.45
66 MTR CORPORATION 2.97 861 DC HOLDINGS 1.62 2628 CHINA LIFE 6.01
69 SHANGRI-LA ASIA 1.24 868 XINYI GLASS 4.37 2638 HKELECTRIC-SS 4.42
81 CH OVS G OCEANS 8.33 882 TIANJIN DEV 4.82 2688 ENN ENERGY 1.89
83 SINO LAND 4.68 883 CNOOC 7.47 2689 ND PAPER 5.16
87 SWIRE PACIFIC B 4.25 902 HUANENG POWER 3.92 2778 CHAMPION REIT 7.1
97 HENDERSON INV 8.96 906 COFCO PACKAGING 9.8 2800 TRACKER FUND 4.16
101 HANG LUNG PPT 5.11 914 CONCH CEMENT 6.63 2801 ISHARES CHINA 1.21
107 SICHUAN EXPRESS 6.24 916 CHINA LONGYUAN 0.81 2802 ISHARES EM ASIA 1.41
123 YUEXIU PROPERTY 1.21 939 CCB 6.85 2821 ABF PAIF 2.46
135 KUNLUN ENERGY 4.61 941 CHINA MOBILE 6.65 2822 CSOP A50 ETF 2.3
142 FIRST PACIFIC 0.55 945 MANULIFE-S 4.98 2823 ISHARES A50 1.42
144 CHINA MER PORT 6.02 966 CHINA TAIPING 3.1 2828 HSCEI ETF 3.74
148 KINGBOARD HLDG 7.45 973 L'OCCITANE 0.74 2833 HS HSI ETF 4.1
151 WANT WANT CHINA 4.68 991 DATANG POWER 5.58 2836 ISHARES INDIA 0.52
152 SHENZHEN INT'L 15.14 992 LENOVO GROUP 3.63 2838 HS FCI50 ETF 2.96
165 CHINA EB LTD 6.61 995 ANHUIEXPRESSWAY 4.15 2843 AMUNDI A50 1.64
168 TSINGTAO BREW 0.77 998 CITIC BANK 7.63 2846 ISHARESCSI300 1.15
173 K. WAH INT'L 6.97 1038 CKI HOLDINGS 5.11 2866 COSCO SHIP DEV 3.18
175 GEELY AUTO 1.43 1044 HENGAN INT'L 8.03 2880 LIAONING PORT 3.31
177 JIANGSU EXPRESS 6.57 1052 YUEXIUTRANSPORT 1.56 2883 CHINA OILFIELD 2.33
179 JOHNSON ELEC H 0.22 1071 HUADIAN POWER 5.81 2888 STANCHART 1.17
215 HUTCHTEL HK 5.1 1072 DONGFANG ELEC 2.41 2899 ZIJIN MINING 1.51
220 U-PRESID CHINA 6.65 1083 TG SMART ENERGY 3.6 3010 ISHARES AXJ 2.51
242 SHUN TAK HOLD 11.32 1088 CHINA SHENHUA 6.22 3070 PING AN HKDIV 4.94
257 EB ENVIRONMENT 6.49 1093 CSPC PHARMA 1.67 3074 ISHARESMSCITW 2.15
267 CITIC 5.79 1099 SINOPHARM 4.33 3086 CAM NASDAQ100 0.29
270 GUANGDONG INV 6.82 1109 CHINA RES LAND 3.29 3110 GX HS HIGH DIV 0.44
288 WH GROUP 5.2 1113 CK ASSET 3.2 3128 HS AINDTOPETF 1.39
291 CHINA RES BEER 0.55 1122 QINGLING MOTORS 13.15 3141 CAM ASIA IGB 3.41
303 VTECH HOLDINGS 6.64 1171 YANKUANG ENERGY 7.13 3167 ICBCCSOPCHINA 1.44
308 CHINA TRAVEL HK 1.8 1177 SINO BIOPHARM 1.71 3188 CAM CSI300 0.8
315 SMARTONE TELE 7.06 1186 CHINA RAIL CONS 4.79 3308 GOLDEN EAGLE 6.77
316 OOIL 7.02 1193 CHINA RES GAS 2.42 3311 CHINA STATE CON 3.76
322 TINGYI 6.38 1199 COSCO SHIP PORT 5.39 3320 CHINARES PHARMA 2.05
323 MAANSHAN IRON 3.66 1211 BYD COMPANY 0.02 3323 CNBM 4.7
338 SHANGHAI PECHEM 9.86 1257 CEB GREENTECH 7.01 3328 BANKCOMM 6.52
341 CAFE DE CORAL H 1.54 1288 ABC 6.87 3377 SINO-OCEAN GP 10.07
345 VITASOY INT'L 2.32 1299 AIA 1.58 3378 XIAMEN PORT 1.31
347 ANGANG STEEL 2.13 1310 HKBN 8.49 3382 TIANJINPORT DEV 3.91
358 JIANGXI COPPER 1.02 1313 CHINARES CEMENT 11.83 3396 LEGENDHOLDING 3.56
363 SHANGHAI IND H 4.5 1336 NCI 7.15 3606 FUYAO GLASS 2.07
371 BJ ENT WATER 7.84 1339 PICC GROUP 5.38 3808 SINOTRUK 3.52
384 CHINA GAS HOLD 4.16 1359 CHINA CINDA 9.41 3888 KINGSOFT 0.32
386 SINOPEC CORP 9.73 1398 ICBC 6.29 3898 TIMES ELECTRIC 1.33
388 HKEX 2.12 1503 CMC REIT 9.21 3968 CM BANK 2.93
390 CHINA RAILWAY 3.86 1508 CHINA RE 7.34 3969 CHINA CRSC 8.53
392 BEIJING ENT 4.11 1618 MCC 4.26 3983 CHINA BLUECHEM 3.82
405 YUEXIU REIT 7.49 1658 PSBC 3.84 3988 BANK OF CHINA 6.82
435 SUNLIGHT REIT 7.17 1766 CRRC 5.62 6030 CITIC SEC 2.72
440 DAH SING 6.43 1776 GF SEC 5.88 6110 TOPSPORTS 3.11
480 HKR INT'L 4.14 1788 GUOTAI JUNAN I 6.6 6178 EB SECURITIES 0.76
489 DONGFENG GROUP 6.54 1800 CHINA COMM CONS 6.42 6808 SUNART RETAIL 5.93
506 CHINA FOODS 1.77 1816 CGN POWER 5.02 6818 CEB BANK 9.38
517 COSCO SHIP INTL 7.6 1818 ZHAOJIN MINING 0.65 6823 HKT-SS 6.76
522 ASM PACIFIC 3.95 1848 CALC 8.16 6881 CGS 3.94
525 GUANGSHEN RAIL 4.73 1876 BUD APAC 0.96 6886 HTSC 2.86
548 SHENZHENEXPRESS 7.11 1881 REGAL REIT 9.47 9010 ISHARES AXJ-U 2.53
551 YUE YUEN IND 10.6 1883 CITIC TELECOM 8.05 9074 ISHARESMSCITW-U 2.17
552 CHINACOMSERVICE 5.12 1888 KB LAMINATES 25.23 9115 ISHARESHSI-U 4.14
570 TRAD CHI MED 2.26 1898 CHINA COAL 2.11 9987 YUM CHINA-S 0.49
576 ZHEJIANGEXPRESS 5.46 1929 CHOW TAI FOOK 1.63 9999 NTES-S 0.84
579 JNCEC 4.46 1958 BAIC MOTOR 7.17 80737 BAY AREA DEV-R 9.1
586 CONCH VENTURE 3.76 1972 SWIREPROPERTIES 4.72 82822 CSOP A50 ETF-R 2.41
588 BEIJING N STAR 15.96 1997 WHARF REIC 3.94 82823 ISHARES A50-R 1.48
598 SINOTRANS 5.86 2018 AAC TECH 2.15 82828 HSCEI ETF-R 3.91
604 SHENZHEN INVEST 11.46 2020 ANTA SPORTS 0.72 82833 HS HSI ETF-R 4.28
636 KERRY LOG NET 3.56 2039 CIMC 1.06 82843 AMUNDI A50-R 1.68
656 FOSUN INTL 5.56 2128 CHINA LESSO 3.41 83188 CAM CSI300-R 0.86
659 NWS HOLDINGS 7.66 2196 FOSUN PHARMA 1.52 87001 HUI XIAN REIT 8.61
665 HAITONG INT'L 11.77 0 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
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
CLI.SG 9CI CAPITALAND INVESTMENT LTD/SINGAPORE 0.5
CSE.SG 544 CSE GLOBAL LTD CSE環球 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 PROPERTY LTD 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
IHH.SG Q0F IHH HEALTHCARE BHD 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
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
PTR.SG K3OD PETROCHINA CO LTD 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
SGT.SG Z74 SINGAPORE TELECOMMUNICATIONS LTD 新電訊 0.7
SGTA.SG Z77 SINGAPORE TELECOMMUNICATIONS LTD 0.5
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
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 STRAITS TIMES INDEX ETF 道富ETF-海峽指數基金 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 SINGAPORE LAND GROUP LTD 聯合實業股份 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

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 01, 2022)

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

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