Mortgage Cash Rebate 2.1% (up to) The Highest ever!

Plan 1: H + 1.24% (Capped Rate 2.35%) Mortgage Cash Rebate 2.1% (applicable to first-hand & second-hand residential properties)
Plan 2: H + 1.3% (Capped Rate 2.475%) Mortgage Cash Rebate 1.7%
Plan 3: P - 3% (Actual Interest Rate 2.375%) Mortgage Cash Rebate 1.7%
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Mortgage Calculator
Loan-to-value Ratio (Completed Residential Properties)
Property Value
Maximum LTV Ratio
At or below HK$8 million
90%* (According to HKMC Val.)
Above HK$8 million and below HK$9 million
80% - 90%*, subject to a cap of HK$7.2 million (whichever is lower)
At or above HK$9 million and up to HK$10 million
80%*
 
At or above HK$10 million
50%
 
 
Notes: *must join the Mortgage Insurance Programme (MIP)(1)80% - 90% mortgagors not holding any residential properties in Hong Kong at the time of application,(2)all applicants being regular salaried persons,(3)the DTI ratio should not exceed 50%
Loan-to-value Ratio (Properties Under Construction)
Property Value
Maximum LTV Ratio
At or below HK$4 million
90%* (According to HKMC Val.)
Above HK$4 million and below HK$4.5 million
80% - 90%*, subject to a cap of HK$3.6 million (whichever is lower)
At or above HK$4.5 million and up to HK$6 million
80%*
 
At or above HK$6 million and up to HK$10 million
60%, subject to a cap of HK$5 million (whichever is lower)
At or above HK$10 million
50%
Notes: *must join the Mortgage Insurance Programme (MIP)(1)80% - 90% mortgagors not holding any residential properties in Hong Kong at the time of application,(2)all applicants being regular salaried persons,(3)the DTI ratio should not exceed 50%
Loan-to-value Ratio (Non-self-use or more than one property mortgage)
Property Value
Maximum LTV Ratio
Below HK$7 million
50%
At or above HK$7 million and below HK$10 million
50%, subject to a cap of HK$4 million (whichever is lower)
At or above HK$10 million
40%
Non-self-use and residential properties held by companies
40%
 
More than one property mortgage
Decrease by 10% according to the above ratio
Stamp Duty
Loan-to-value Ratio (Net Worth-Based Lending)
Property
Maximum LTV Ratio
First Residential Property
40%
Second Residential Property
30%
Debt-to-income (DTI) Ratio
Property
DTI Ratio Limit
(Self-use)
DTI Ratio Limit
(Non-self-use)
First Residential Property
50%
40%
Second Residential Property
40%
40%
Stress Test (Based on 3% interest rate hike)
Property
DTI Ratio Limit
(Self-use)
DTI Ratio Limit
(Non-self-use)
First Residential Property
-
50%
Second Residential Property
50%
50%
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