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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.

a couple painting a blue house with 90% in the house

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.

Up to 90% Mortgage Insurance Program

photos, passport, map, and a hand holding a key with a house keychain

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$225,000 HK$87,200 N/A

The above example is for reference only, based on the assumptions of:

  • First-time homebuyer with regular income for completed residential properties; and
  • Floating rate mortgage; and
  • Tenor of 30 years; and
  • Single Premium Payment

(For First-time Homebuyer and all applicants without having any outstanding mortgages)

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 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.

(For non first-time homebuyer and all applicants without having any outstanding mortgages)

(Also for cash out re-financing)

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 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.

(For First-time Homebuyer and all applicants without having any outstanding mortgages)

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 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.

(For non first-time homebuyer and all applicants without having any outstanding mortgages)

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

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.

(For First-time Homebuyer and applicants having outstanding mortgages)

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 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.

(For non first-time homebuyer and applicants having outstanding mortgages)

(Also for cash out re-financing)

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 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.

(For First-time Homebuyer and applicants having outstanding mortgages)

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 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.

(For non first-time homebuyer and applicants having outstanding mortgages)

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 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 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.

(For applicants having outstanding mortgages)

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 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.

*Important Notes

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