90% Residential Mortgage Plan - Mortgage - Dah Sing Bank

Offers

Prime RateLearn More

HIBORLearn More

Free Fire Insurance for the First Year and Special offers of Household Insurance PlanLearn More

Cash Rebate

Features

Loan-to-Value Ratio and Maximum Loan Amount

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Loan Tenor

Choose from options up to 30 years.

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Eligibility

Estates owned by individuals for self-occupation.

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Mortgage Insurance Premium

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For properties valued up to HKD 6 million
Property Value	Maximum LTV Ratio
At or below HKD 4 million	80% or 90%*
Above HKD 4 million and below HKD 4.5 million	80% - 90%, subject to a cap of HKD 3.6 million* (whichever is lower)
At or above HKD 4.5 million and up to HKD 6 million	80% or capped at HKD 4.8 million (whichever is lower)

For properties valued up to HKD 30 million
Property Value	Maximum LTV Ratio
Above HKD 4 million and up to HKD 10 million	80% or 90%*
Above HKD 10 million and below HKD 11.25 million	80% - 90%, subject to a cap of HKD 9 million* (whichever is lower)
At or above HKD 11.25 million and up to HKD 15 million	80%
Above HKD 15 million and up to HKD 17.15 million	70 % - 80% subject to a loan cap of HKD 12 million
Above HKD 17.15 million and up to HKD 30 million	70%

*Only applicable to applications with (i) all mortgagors not holding any residential properties in Hong Kong at the time of application and (ii) all applicants being a regular salaried person. (Please refer to the requirement of maximum debt-to-income ratio as stated in the relevant Insurance Eligibility Criteria)

Receive a maximum LTV Ratio up to 90% of the property's purchase price or appraised value, whichever is lower
The maximum loan amount varies from case to case and is subject to the final approval of HKMC Insurance Limited

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Eligibility

You must be aged 18 or above

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

This service / product is not targeted at customers in the EU

Subject to relevant terms and conditions. For details, please click here.

The Residential Mortgage Plan offers are applicable to residential estates that are registered under an individual or limited company name. For enquiries, please check with our staff at branches of Dah Sing Bank, Limited ("the Bank").
"P" refers to the prevailing HKD Prime Rate quoted by the Bank from time to time.
The Hong Kong Interbank Offered Rate (HIBOR) is the reference rate for the HIBOR Mortgage Plan.
The above information is for reference only. The mortgage loan shall be subject to the terms and conditions as set out in the facility letter signed by the customer.
The Bank reserves the right to revise or cancel the above offers and/or amend the terms and conditions at any time without prior notice.
The above mortgage plans are subject to relevant terms and conditions. Please contact our staff at branches of the Bank for details.
For mortgage loan applications, the Bank reserves the right for final approval.
The offer of "Free Fire Insurance for the First Year" is valid until 31 Dec 2025. The offer of "Household Insurance Plan" is valid until 30 Jun 2025. The above offers are only applicable to customers who successfully draw down a residential mortgage loan and are insured with Dah Sing Insurance Company Limited. For the terms and conditions of the "Free Fire Insurance for the First Year" offer, please contact our staff at branches of the Bank for details; For the terms and conditions of "Household Insurance Plan" offer, please click here for details.

90% Mortgage Plan

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