Up to 90% LTV Mortgage Insurance Programme

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

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a couple painting a blue house with 90% in the house

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

Borrow up to 90% of the property price*

First time home buyer can borrow up to 90% of the property price, with a down payment as low as 10% to ease your financial burden, and have a wider choice of properties.

Property Price

Applicable to property price HK$17,150,000 or below

Property Type

Applicable to self-use private residential properties under personal ownership

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Mortgage Application Hotline: (852)2886-8855

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You can choose between Hibor-based Mortgage Plan or Prime-based Mortgage Plan.

How to purchase the property with less down payment?

	Up to 90% Mortgage Plan*	Up to 90% Mortgage Plan*	Traditional Mortgage Plan
Property Value	HK$10,000,000	HK$10,000,000	HK$10,000,000
Down Payment	HK$1,000,000	HK$2,000,000	HK$3,000,000
Loan to Value	90%	80%	70%
Insurance Premium	HK$250,000	HK$109,000	N/A

The above example is for reference only, based on the assumptions of:

First-time homebuyer with regular income for completed residential properties; and
Floating rate mortgage; and
Tenor of 30 years; and
Single Premium Payment

Table 1: For Property Value## up to HK$6 million & Insurance coverage from 70% LTV to 90% LTV

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)
70% up to 75% LTV	10	0.00	N/A	N/A
	15	0.00
	20	0.00
	25	0.00
	30	0.00
70% up to 80% LTV	10	0.50	0.45	0.22
	15	0.60	0.55	0.22
	20	0.76	0.65	0.22
	25	0.83	0.70	0.22
	30	0.92	0.80	0.22
70% up to 85% LTV	10	0.86	0.65	0.43
	15	1.02	0.75	0.43
	20	1.25	0.85	0.43
	25	1.35	0.95	0.43
	30	1.41	1.05	0.43
70% up to 90% LTV	10	1.25	0.85	0.61
	15	1.48	1.04	0.61
	20	1.79	1.23	0.61
	25	2.03	1.41	0.61
	30	2.16	1.60	0.61

^## The lower of (a) the appraised value of the Property and (b) the purchase price of the Property as stated in the sale and purchase agreement (less the amount of any incentive).

The above example is for reference only.

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

Table 2: For Property Value## up to HK$6 million & Insurance coverage from 70% LTV to 80% LTV

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)
70% up to 75% LTV	10	0.15	N/A	N/A
	15	0.15
	20	0.15
	25	0.15
	30	0.15
70% up to 80% LTV	10	0.65	0.50	0.24
	15	0.75	0.60	0.24
	20	0.91	0.70	0.24
	25	0.98	0.75	0.24
	30	1.07	0.85	0.24

^##The lower of (a) the appraised value of the Property and (b) the purchase price of the Property as stated in the sale and purchase agreement (less the amount of any incentive). (b) is not applicable to refinancing loans.

The above example is for reference only.

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

Table 3: For Property Value## up to HK$15 million & Insurance coverage from 70% LTV to 90% LTV

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)
70% up to 75% LTV	10	0.00	N/A	N/A
	15	0.00
	20	0.00
	25	0.00
	30	0.00
70% up to 80% LTV	10	0.60	0.53	0.26
	15	0.71	0.64	0.26
	20	0.90	0.76	0.26
	25	0.97	0.81	0.26
	30	1.09	0.93	0.26
70% up to 85% LTV	10	1.01	0.76	0.5
	15	1.20	0.87	0.5
	20	1.46	0.99	0.5
	25	1.57	1.10	0.5
	30	1.64	1.22	0.5
70% up to 90% LTV	10	1.46	0.99	0.7
	15	1.72	1.20	0.7
	20	2.08	1.42	0.7
	25	2.35	1.63	0.7
	30	2.50	1.85	0.7

^## The lower of (a) the appraised value of the Property and (b) the purchase price of the Property as stated in the sale and purchase agreement (less the amount of any incentive).

The above example is for reference only.

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

Table 4: For Property Value## up to HK$17.15 million# & Insurance coverage from 70% LTV to 80% LTV

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)
70% up to 75% LTV	10	0.15	N/A	N/A
	15	0.15
	20	0.15
	25	0.15
	30	0.15
70% up to 80% LTV	10	0.75	0.58	0.28
	15	0.86	0.69	0.28
	20	1.05	0.81	0.28
	25	1.12	0.86	0.28
	30	1.24	0.98	0.28

^# Applicable to property value## above HK$15 million and up to HK$17.15 million for mortgage loans (i) from secondary market transactions with provisional sale and purchase agreement signed on or after 28 February 2024 and (ii) from primary market transactions, irrespective of the date of the provisional sale and purchase agreement.

^## The lower of (a) the appraised value of the Property and (b) the purchase price of the Property as stated in the sale and purchase agreement (less the amount of any incentive). (b) is not applicable to refinancing loans.

The above example is for reference only.

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

Table 5: For Property Value## up to HK$6 million & Insurance coverage from 60% LTV to 90% LTV

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)
60% up to 65% LTV	10	0.00	N/A	N/A
	15	0.00
	20	0.00
	25	0.00
	30	0.00
60% up to 70% LTV	10	0.15	N/A	N/A
	15	0.15
	20	0.15
	25	0.15
	30	0.15
60% up to 75% LTV	10	0.30	N/A	N/A
	15	0.30
	20	0.30
	25	0.30
	30	0.30
60% up to 80% LTV	10	0.60	0.53	0.26
	15	0.83	0.74	0.26
	20	1.05	0.88	0.26
	25	1.15	0.95	0.26
	30	1.25	1.06	0.26
60% up to 85% LTV	10	1.02	0.77	0.51
	15	1.33	0.97	0.51
	20	1.59	1.08	0.51
	25	1.77	1.24	0.51
	30	1.83	1.35	0.51
60% up to 90% LTV	10	1.54	1.04	0.75
	15	1.92	1.34	0.75
	20	2.29	1.57	0.75
	25	2.52	1.74	0.75
	30	2.68	1.98	0.75

^## The lower of (a) the appraised value of the Property and (b) the purchase price of the Property as stated in the sale and purchase agreement (less the amount of any incentive).

The above example is for reference only.

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

Table 6: For Property Value## up to HK$6 million & Insurance coverage from 60% LTV to 80% LTV

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)
60% up to 65% LTV	10	0.15	N/A	N/A
	15	0.15
	20	0.15
	25	0.15
	30	0.15
60% up to 70% LTV	10	0.30	N/A	N/A
	15	0.30
	20	0.30
	25	0.30
	30	0.30
60% up to 75% LTV	10	0.45	N/A	N/A
	15	0.45
	20	0.45
	25	0.45
	30	0.45
60% up to 80% LTV	10	0.75	0.58	0.28
	15	0.98	0.79	0.28
	20	1.20	0.93	0.28
	25	1.30	1.00	0.28
	30	1.40	1.11	0.28

^## The lower of (a) the appraised value of the Property and (b) the purchase price of the Property as stated in the sale and purchase agreement (less the amount of any incentive). (b) is not applicable to refinancing loans.

The above example is for reference only.

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

Table 7: For Property Value## up to HK$15 million & Insurance coverage from 60% LTV to 90% LTV

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)
60% up to 65% LTV	10	0.00	N/A	N/A
	15	0.00
	20	0.00
	25	0.00
	30	0.00
60% up to 70% LTV	10	0.15	N/A	N/A
	15	0.15
	20	0.15
	25	0.15
	30	0.15
60% up to 75% LTV	10	0.30	N/A	N/A
	15	0.30
	20	0.30
	25	0.30
	30	0.30
60% up to 80% LTV	10	0.71	0.62	0.30
	15	0.97	0.86	0.30
	20	1.23	1.02	0.30
	25	1.35	1.10	0.30
	30	1.46	1.23	0.30
60% up to 85% LTV	10	1.20	0.89	0.59
	15	1.55	1.12	0.59
	20	1.85	1.25	0.59
	25	2.05	1.43	0.59
	30	2.13	1.56	0.59
60% up to 90% LTV	10	1.79	1.20	0.87
	15	2.23	1.55	0.87
	20	2.65	1.81	0.87
	25	2.92	2.01	0.87
	30	3.10	2.28	0.87

^## The lower of (a) the appraised value of the Property and (b) the purchase price of the Property as stated in the sale and purchase agreement (less the amount of any incentive).

The above example is for reference only.

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

Table 8: For Property Value## up to HK$15 million & Insurance coverage from 60% LTV to 80% LTV

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)
60% up to 65% LTV	10	0.15	N/A	N/A
	15	0.15
	20	0.15
	25	0.15
	30	0.15
60% up to 70% LTV	10	0.30	N/A	N/A
	15	0.30
	20	0.30
	25	0.30
	30	0.30
60% up to 75% LTV	10	0.45	N/A	N/A
	15	0.45
	20	0.45
	25	0.45
	30	0.45
60% up to 80% LTV	10	0.86	0.67	0.32
	15	1.12	0.91	0.32
	20	1.38	1.07	0.32
	25	1.50	1.15	0.32
	30	1.61	1.28	0.32

^## The lower of (a) the appraised value of the Property and (b) the purchase price of the Property as stated in the sale and purchase agreement (less the amount of any incentive). (b) is not applicable to refinancing loans.

The above example is for reference only.

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

Table 9: For Property Value## above HK$15 million & Insurance coverage from 60% LTV to 80% LTV

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)
60% up to 70% LTV	10	0.30	N/A	N/A
	15	0.30
	20	0.30
	25	0.30
	30	0.30
60% up to 75% LTV	10	0.45	N/A	N/A
	15	0.45
	20	0.45
	25	0.45
	30	0.45
60% up to 80% LTV	10	0.86	0.67	0.32
	15	1.12	0.91	0.32
	20	1.38	1.07	0.32
	25	1.50	1.15	0.32
	30	1.61	1.28	0.32

^## The lower of (a) the appraised value of the Property and (b) the purchase price of the Property as stated in the sale and purchase agreement (less the amount of any incentive). (b) is not applicable to refinancing loans.

The above example is for reference only.

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

Table 10: For Property Value## above HK$15 million & Insurance coverage from 50% LTV to 80% LTV**

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)
50% up to 60% LTV	10	0.30	N/A	N/A
	15	0.30
	20	0.30
	25	0.30
	30	0.30
50% up to 65% LTV	10	0.45	N/A	N/A
	15	0.45
	20	0.45
	25	0.45
	30	0.45
50% up to 70% LTV	10	0.60	N/A	N/A
	15	0.60
	20	0.60
	25	0.60
	30	0.60
50% up to 75% LTV	10	0.75	N/A	N/A
	15	0.75
	20	0.75
	25	0.75
	30	0.75
50% up to 80% LTV	10	0.90	0.69	0.33
	15	1.25	1.01	0.33
	20	1.53	1.18	0.33
	25	1.70	1.31	0.33
	30	1.83	1.46	0.33

^## The lower of (a) the appraised value of the Property and (b) the purchase price of the Property as stated in the sale and purchase agreement (less the amount of any incentive). (b) is not applicable to refinancing loans.

^** This table is not applicable to mortgage loans (i) from secondary market transactions with provisional sale and purchase agreement signed on or after 28 February 2024 and (ii) from primary market transactions, irrespective of the date of the provisional sale and purchase agreement.

The above example is for reference only.

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

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 50% and subject to relevant guidelines and final approval.

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

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