Mr peter pang , chief executive officer of the hkmc , said , " the hkmc welcomes the adoption of the model mortgage deed by the hsbc . the use of the model mortgage deed will help to raise industry standard in terms of improving greater transparency and efficiency as the model mortgage deed encapsulates best market practice 按揭證券公司總裁彭醒棠說：按揭證券公司歡迎豐銀行采用標準按揭契據文件，標準按揭契據文件采納最佳市場慣例，采用該文件后將有助提升業內的批核按揭的水平，并提高交易的透明度及效率。
Some of the existing mortgage deeds contain both a repayment " on demand " clause as well as an " event of default " clause the happening of which will entitle the mortgage lender to demand the immediate repayment by the borrower of all money and liabilities due or owing by the borrower to the mortgage lender under the mortgage 部分現有按揭契據載有按貸款人要求隨時償還條款，及違約事件條款，即一旦發生違約事件條款內所述事項，按揭貸款人即可要求借款人即時償還借款人在按揭貸款下欠按揭貸款人的所有款項及債項。
