DBS Home Loan

DBS Hong Kong targets digital-native homebuyers with its fully online mortgage pre-approval — a credit decision in 3 business days without a branch visit. Rates follow the HIBOR + 1.3% standard with cash rebates up to 1.8%. DBS uniquely offers a Mortgage Offset account that allows borrowers to park savings in a linked deposit account, with the balance offsetting the outstanding mortgage principal for interest calculation purposes — a structure that can save material interest costs for cash-rich borrowers awaiting investment deployment.