---
title: "Mortgage securities companies optimize the elderly mortgage plan, annual interest rate reduced but monthly annuity increases by a maximum of 5%"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/278366082.md"
description: "The mortgage securities company optimizes the elderly mortgage plan, reducing the fixed mortgage plan's annual interest rate for the first 30 years to 4%, with a maximum monthly annuity increase of 5%. Applications will be accepted starting tomorrow (10th). For example, for a single borrower with a lifetime term, the monthly annuity for a 55-year-old participant increases from HKD 1,590 to HKD 1,660, and for a 70-year-old participant, it increases from HKD 2,920 to HKD 3,070"
datetime: "2026-03-09T09:36:26.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/278366082.md)
  - [en](https://longbridge.com/en/news/278366082.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/278366082.md)
---

# Mortgage securities companies optimize the elderly mortgage plan, annual interest rate reduced but monthly annuity increases by a maximum of 5%

The mortgage securities company has optimized the elderly mortgage plan, reducing the fixed mortgage interest rate for the first 30 years to 4%, while the monthly annuity amount for different participating ages can increase by up to 5%. Applications will be accepted starting tomorrow (10th).

For example, for a single borrower with a lifetime term and a designated property value of HKD 1 million, a 55-year-old participant could originally receive a monthly annuity of HKD 1,590; after the plan optimization, the monthly annuity increases to HKD 1,660. A 70-year-old participant could originally receive HKD 2,920, and after the plan optimization, they could receive HKD 3,070

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