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Get a mortgage up to 90% of property value and enjoy a wider choice of properties with only a 10% down payment.

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Get a mortgage up to 90% of property value and enjoy a wider choice of properties with only a 10% down payment.

 Up to 90% Mortgage Plan

Here is an example on how you can save up to 30% of the property price for down payment.

Up to 90% Mortgage Plan*
Traditional Mortgage Plan
Property Value HK$4,000,000 HK$4,000,000
Down Payment HK$400,000 HK$1,600,000
Loan to Value 90% 60%
Insurance Premium HK$156,600 N/A

The above example is for reference only.

* Mortgage loan exceeding 80% LTV ratio under Mortgage Insurance Programme is only applicable to regular salaried first time homebuyers (not holding any properties at the time of application) with debt-to-income ratio up to 45% and subject to relevant guidelines and final approval.

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Mortgage Insurance Premium for Self-use Residential Property

Insurance coverage from 60% LTV to 90% LTV

MORTGAGE TYPE

INSURANCE COVERAGE ACCORDING TO LOAN-TO-VALUE RATIO (LTV)

LOAN TENOR
(YEARS)

SINGLE PREMIUM PAYMENT
(% OF THE ORIGINAL PRINCIPAL BALANCE)

ANNUAL PREMIUM PAYMENT

First Year
(% of the Original Principal Balance)
Renewal
(% of the Original Principal Balance)

Floating Rate

60% up to 80% LTV

10 1.15 0.58 0.28
15 1.50 0.79 0.28
20 1.85 0.93 0.28
25 2.00 1.00 0.28
30 2.15 1.11 0.28

60% up to 85% LTV

10 1.80 0.82 0.53
15 2.28 1.02 0.53
20 2.68 1.13 0.53
25 2.95 1.29 0.53
30 3.05 1.40 0.53

60% up to 90% LTV

10 2.60 1.09 0.77
15 3.18 1.39 0.77
20 3.75 1.62 0.77
25 4.10 1.79 0.77
30 4.35 2.03 0.77

The above example is for reference only.

* Applicable for Provisional Agreement for Sale and Purchase date on or after 28 February 2015

* Mortgage loan exceeding 80% LTV ratio under Mortgage Insurance Programme is only applicable to regular salaried first time homebuyers (not holding any properties at the time of application) with debt-to-income ratio up to 45% and subject to relevant guidelines and final approval.

The Bank reserves the right of final decision should any dispute arise. Please contact our branch staff for details.

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Insurance coverage from 50% LTV to 90% LTV

Mortgage Type
Insurance coverage according to Loan-to-value Ratio (LTV)
Loan Tenor
(Years)
Single Premium Payment
(% of the Original Principal Balance)
Annual Premium Payment
First Year
(% of the Original Principal Balance)
Renewal
(% of the Original Principal Balance)
Floating Rate
50% up to 80% LTV
10 1.20 0.60 0.29
15 1.68 0.88 0.29
20 2.05 1.03 0.29
25 2.28 1.14 0.29
30 2.45 1.27 0.29
50% up to 85% LTV
10 1.88 0.85 0.55
15 2.48 1.11 0.55
20 2.90 1.22 0.55
25 3.18 1.39 0.55
30 3.35 1.54 0.55
50% up to 90% LTV
10 2.80 1.18 0.83
15 3.50 1.53 0.83
20 4.00 1.72 0.83
25 4.38 1.91 0.83
30 4.60 2.14 0.83

The above example is for reference only

* Applicable for Provisional Agreement for Sale and Purchase on or after 19 May 2017

* Mortgage loan exceeding 80% LTV ratio under Mortgage Insurance Programme is only applicable to regular salaried first time homebuyers (not holding any properties at the time of application) with debt-to-income ratio up to 45% and subject to relevant guidelines and final approval.

The Bank reserves the right of final decision should any dispute arise. Please contact our branch staff for details.

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To borrow or not to borrow? Borrow only if you can repay!

Important Notes