Latest Mortgage Measures
Applicants who have not borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application
1) DSR-based lending
| Property value | Self-use | Non-self-use or Company held |
| ≤$30M | 70% | 70% |
| >$30M to ≤$35M | 70% | 70% |
| >$35M | 70% | 70% |
2) Net worth-based lending
| Residential Property | LTV Caps |
| Regardless of value | 70% |
Applicants who have borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application
DSR-based lending or net worth-based lending
| Residential Property | LTV Caps |
| Regardless of value | 70% |
The maximum LTV ratio of MIP (for property value up to HK$30 million)
| Property value | Maximum LTV Ratio |
| Above $4M and up to $10M | 80% or 90%* |
| Above $10M and below $11.25M | 80% - 90%* (subject to a loan cap of HK$9 million) |
| At or above $11.25M and up to $15M | 80% |
| Above $15M and up to $17.15M | 70% - 80% (subject to a loan cap of HK$12 million) |
| Above $17.15M and up to $30M** | 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 regular salaried persons
**Only applicable for provisonal agreements for sale and purchase before 16 October 2024
Loan-to-value ration (LTV) caps and debt servicing ratio (DSR) limits
1. Applicants who have not borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application
Self-use | Non-self-use | |
| Base DSR limit | 50% | 50% |
2. Applicants who have borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application
Self-use | Non-self-use | |
| Base DSR limit | 50% | 50% |
Applicants who have not borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application
1) DSR-based lending
| Commercial and industrial properties | LTV Caps |
| Regardless of value | 70% |
2) Net worth-based lending
| Commercial and industrial properties | LTV Caps |
| Regardless of value | 70% |
Applicants who have borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application
1) DSR-based lending
| Commercial and industrial properties | LTV Caps |
| Regardless of value | 70% |
2) Net worth-based lending
| Commercial and industrial properties | LTV Caps |
| Regardless of value | 70% |
Loan-to-value ratio (LTV) caps
1. Applicants who have not borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application3
Self-use | Non-self-use | |
| Base DSR limit | 50% | 50% |
2. Applicants who have borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application
Self-use | Non-self-use | |
| Base DSR limit | 50% | 50% |
Applicants who have not borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application
1) DSR-based lending
| Carpark | LTV Caps |
| Regardless of value | 70% |
2) Net worth-based lending
| Carpark | LTV Caps |
| Regardless of value | 70% |
Applicants who have borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application
1) DSR-based lending
| Carpark | LTV Caps |
| Regardless of value | 70 |
2) Net worth-based lending
| Carpark | LTV Caps |
| Regardless of value | 70% |
Loan-to-value ratio (LTV) caps
1. Applicants who have not borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application3
Self-use | Non-self-use | |
| Base DSR limit | 50% | 50% |
2. Applicants who have borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application
Self-use | Non-self-use | |
| Base DSR limit | 50% | 50% |
