Latest Mortgage Measures
Applicants who have not borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application
| Property value | Self-use | Non-self-use or Company held |
| $15M or below | 70% | 50% |
| Above $15M to $17.5M | 60%-70% (subject to a loan cap of $10.5M) | 50% |
| Above $17.5M to $30M | 60% | 50% |
| Above $30M to $36M | 50%-60% (subject to a loan cap of $18M) | 50% |
| Above $36M | 50% | 50% |
Net worth-based lending
| Residential Property | LTV Caps |
| Regardless of value | 50% |
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 | 40% |
The maximum LTV ratio of MIP (for property value up to HK$6 million)
| Property value | Maximum LTV Ratio |
| At or below $4M | 80% or 90%* |
| Above $4M and below $4.5M | 80% - 90%* (subject to a loan cap of $3.6M) |
| At or above $4.5M and up to $6M | 80% (subject to a loan cap of$4.8M) |
*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 (please refer to the requirement of maximum debt-to-income ratio as stated in the relevant Insurance Eligibility Criteria)
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 (please refer to the requirement of maximum debt-to-income ratio as stated in the relevant Insurance Eligibility Criteria)
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% | 40% |
| Stressed DSR limit (assuming a 200-basis point hike in interest rate) | 60% | 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 | 40% | 40% |
| Stressed DSR limit (assuming a 200-basis point hike in interest rate) | 50% | 50% |
Applicants who have not borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application
| Commercial and industrial properties | LTV Caps |
| Regardless of value | 60% |
Net worth-based lending
| Commercial and industrial properties | LTV Caps |
| Regardless of value | 50% |
Applicants who have borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application
| Commercial and industrial properties | LTV Caps |
| Regardless of value | 50% |
DSR-based lending or net worth-based lending
| Commercial and industrial properties | LTV Caps |
| Regardless of value | 40% |
Loan-to-value ratio (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 application3
Self-use | Non-self-use | |
| Base DSR limit | 50% | 40% |
| Stressed DSR limit (assuming a 200-basis point hike in interest rate) | 60% | 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 | 40% | 40% |
| Stressed DSR limit (assuming a 200-basis point hike in interest rate) | 50% | 50% |
Applicants who have not borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application
| Standalone car parking spaces | LTV Caps |
| Regardless of value | 60% |
Net worth-based lending
| Standalone car parking spaces | LTV Caps |
| Regardless of value | 50% |
Applicants who have borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application
| Standalone car parking spaces | LTV Caps |
| Regardless of value | 50% |
DSR-based lending or net worth-based lending
| Standalone car parking spaces | LTV Caps |
| Regardless of value | 40% |
Loan-to-value ratio (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% | 40% |
| Stressed DSR limit (assuming a 200-basis point hike in interest rate) | 60% | 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 | 40% | 40% |
| Stressed DSR limit (assuming a 200-basis point hike in interest rate) | 50% | 50% |
