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.
Apply NowYou can choose between Hibor-based Mortgage Plan or Prime-based Mortgage Plan.
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:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.