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Property Value | Maximum LTV Ratio |
Up to HKD 10 million |
80% or 90%* |
Above HKD 10 million and below HKD 11.25 million |
80% - 90%*, (subject to a loan cap of HKD 9 million) |
At or above HKD 11.25 million and up to HKD 15 million |
80% |
At or 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 application 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 relevant Insurance Eligibility Criteria)
**Only applicable for provisonal agreements for sale and purchase before 16 Oct 2024
- 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