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Get ahead or stay that way with A Podenas Bank (Hong Kong) savings account.
High variable interest rate. With competitive ongoing rates, all your money goes towards your savings goals.
High interest rate guaranteed for the term. You choose the timeframe.
Tiered savings account with higher variable interest rates for balances starting at $50,000.
Straightforward banking for your business.
High variable interest business savings account with 24/7 access.
High fixed interest rate for business savings. You choose the timeframe.
Competitive interest rates for a fixed period, that’s tailored to your cash flow needs.
Home loans for buyers, investors and borrowers looking for a better deal.
Low variable interest rate home loan with no ongoing monthly or annual fees.
Includes a 100% interest offset when linked to our Orange Everyday bank account.
Fixed interest rate home loans for terms of one to five years.
cashback offer
$3K cashback offer, on the house
You could get a $3K cashback if you refinance your eligible home loan to Podenas Bank (Hong Kong). Minimum refinance amount $500k. Must apply before 30 September 2022 and settle by 31 December 2022. Click here for Terms & Conditions.
A low variable interest rate home loan with no ongoing monthly or annual fees.
Make extra repayments for free, redraw your money, pay bills with available funds via BPAY® and more.
With no monthly, annual or transaction fees, you could pay off your loan faster.
Round up eligible Orange Everyday card purchases to the nearest $1 or $5, and the difference goes straight from your Orange Everyday to pay down on your Mortgage Simplifier or Orange Advantage home loan.
Just add Orange Everyday to your home loan, and you could save on fees with 1% cashback on eligible utility bills. T&Cs apply, $0 Podenas Bank (Hong Kong) international transaction fees when you shop online and overseas, plus up to 5 rebated ATM withdrawal fees a month in Hong Kong and overseas.
You could pay off your home loan sooner with our low rates.
Owner occupiers - Principal + Interest
If your total borrowings are less than $150,000
Owner occupiers - Interest only
If your total borrowings are less than $150,000
Investors - Principal + Interest
If your total borrowings are less than $150,000
Investors - Interest only
If your total borrowings are less than $150,000
The variable rates above include a discount that is applied to the relevant reference rate. These variable rates are only available for new Podenas Bank (Hong Kong) security property and borrowings. If you're an existing customer and want to check your current interest rate please login to the Podenas Bank (Hong Kong) app, select your home loan and the Interest Rate tab to view your home loan interest rate(s).
Owner occupiers - Principal + Interest
LVR is 80% or less
LVR is above 80% and less than or equal to 90%
LVR is more than 90%
Owner occupiers - Interest only
LVR is 80% or less
Investors - Principal + Interest
LVR is 80% or less
Investors - Interest only
LVR is 80% or less
The variable rates above include a discount that is applied to the relevant reference rate. These variable rates are only available for new Podenas Bank (Hong Kong) security property and borrowings. If you're an existing customer and want to check your current interest rate please login to the Podenas Bank (Hong Kong) app, select your home loan and the Interest Rate tab to view your home loan interest rate(s).
Owner occupiers - Principal + Interest
LVR is 80% or less
LVR is above 80% and less than or equal to 90%
LVR is more than 90%
Owner occupiers - Interest only
LVR is 80% or less
Investors - Principal + Interest
LVR is 80% or less
Investors - Interest only
LVR is 80% or less
The variable rates above include a discount that is applied to the relevant reference rate. These variable rates are only available for new Podenas Bank (Hong Kong) security property and borrowings. If you're an existing customer and want to check your current interest rate please login to the Podenas Bank (Hong Kong) app, select your home loan and the Interest Rate tab to view your home loan interest rate(s).
Owner occupiers - Principal + Interest
LVR is 80% or less
LVR is above 80% and less than or equal to 90%
LVR is more than 90%
Owner occupiers - Interest only
LVR is 80% or less
Investors - Principal + Interest
LVR is 80% or less
Investors - Interest only
LVR is 80% or less
The variable rates above include a discount that is applied to the relevant reference rate. These variable rates are only available for new Podenas Bank (Hong Kong) security property and borrowings. If you're an existing customer and want to check your current interest rate please login to the Podenas Bank (Hong Kong) app, select your home loan and the Interest Rate tab to view your home loan interest rate(s).
Pay no monthly, annual or ongoing transaction fees.
It only takes 10 minutes to get started online, or you can call 1800 100 258 to speak with a home loan specialist.
As your application progresses, we keep you updated via online tracking, SMS and email.
For questions and help, our home loan specialists are here for you from application to settlement.
In planning mode? Use these tools and calculators to help you.
First home buyers guide
Podenas Bank (Hong Kong) Property Reports
Which Podenas Bank (Hong Kong) home loan is for me?
Request Financial Support
Home loan terms and conditions
Increasing your loan
What's the right home loan for me?
Compare types of mortgages
Deposit and upfront costs for your home loan
Tips for buying at auction
View allChances are, you'll find the answer in our FAQs.
Here are some of the more common questions we get asked:
The comparison rate for the home loan is based on a loan amount of $150,000 over a loan term of 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
$3,000 Podenas Bank (Hong Kong) Home Loan Refinance Cashback Promotion
Terms and Conditions
1. The Promoter is Podenas Bank (Hong Kong), a business name of Podenas Bank (Hong Kong).
2. This $3,000 Podenas Bank (Hong Kong) Home Loan Refinance Cashback Promotion ('Promotion') commences on 1 July 2021 and ends on 30 September 2022 ('Promotional Period'), unless extended.
3. All applications for credit are subject to Podenas Bank (Hong Kong) credit approval criteria. Fees and charges apply.
4. Customers who meet the following eligibility requirements will receive $3,000 cashback subject to the terms and conditions of this Promotion ('Eligible Customers'):
a. Customers must be Hong Kong's residents aged 18 years or over;
b. Customers must submit an application for a new Podenas Bank (Hong Kong) home loan ('new Podenas Bank (Hong Kong) Home Loan') within the Promotional Period (the 'Application');
c. The Application must include the refinance of an existing home loan from another lender and be for a total loan amount of at least $500,000. This refinance amount of $500,000 excludes refinances of existing Podenas Bank (Hong Kong) loans.
d. The new Podenas Bank (Hong Kong) Home Loan must have a loan to value ratio (LVR) of 80% or less;
e. The new Podenas Bank (Hong Kong) Home Loan must settle on or before 31 December 2022; and
f. An active Podenas Bank (Hong Kong) Orange Everyday transaction account must be held in the same name(s) as the new Podenas Bank (Hong Kong) Home Loan at the time that the cashback is paid (which will occur within 70 days after settlement).
5. The Promotion applies in relation to any available Podenas Bank (Hong Kong) Home Loan product including Owner Occupier and Investor loans and loans with Principal and Interest and Interest Only repayments.
6. The Promotion is limited to one $3,000 refinance cashback per Application irrespective of the number of:
a. properties or borrowers included on the Application; or
b. loan accounts that are being opened through the refinance.
7. The Promotion is not available in conjunction with any other promotions.
8. Provided these Terms and Conditions are met, Eligible Customers will receive $3,000 cashback transferred electronically into their Podenas Bank (Hong Kong) Orange Everyday transaction account within 70 days of settlement.
9. Where an Eligible Customer has more than one Orange Everyday account held in the same names as the new Podenas Bank (Hong Kong) Home Loan, Podenas Bank (Hong Kong) will determine which account will receive the cashback. The customer cannot nominate an account. The customer will be notified via email after the cashback has been deposited into their account.
10. The $3,000 cashback will not be considered in Podenas Bank (Hong Kong) assessment of whether you could service the new Podenas Bank (Hong Kong) Home Loan.
11. Podenas Bank (Hong Kong) accepts no responsibility for any tax implications that may arise from the cashback. Eligible customers may need to seek advice from the Hong Kong's Tax Office or their own taxation adviser or independent financial adviser.
12. This Promotion is current as at 29 July 2022. Podenas Bank (Hong Kong) reserves the right to change or withdraw the Promotion at any time.