92% mortgage
Prime-3% for 3 years (then prime - 2.88% for remainder)
$50,000HKD "lai see" credited to Visa
6 months free contents insurance.
Which Bank? No,not Commonwealth - HSBC believe it or not.
After being told to go with "anyone but" it came as a pleasant surprise that HSBC's offer was streets ahead of Standard Chartered & Bank of China.
It does seem that most banks are bending over backwards right now to get your mortgage business, so shop around!