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Basic Mortgage
Mortgage Calculator
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Valuation
Property type
If this website fails to provide the property valuation you need, please select "Other" to manually enter the property address.
Mortgage Process
Verbal valuation and pre-approval
To avoid the problem of undervaluation, you should do a verbal valuation and pre-approval by mReferral or bank before signing the contract.
Mortgage Process
Sign the Provisional Agreement for Sale and Purchase
To avoid the problem of undervaluation, you should do a verbal valuation and pre-approval by mReferral or bank before signing the contract.
Mortgage Process
Seek advice from mReferral
Apply for a mortgage loan from at least three banks. If you want to apply in one go, mReferral would definitely help.
Mortgage Process
Submit documents
Provisional Agreement for Sale and Purchase, copy of ID card of borrower and guarantor (if any), income proof, e.g. employment contract/latest salary slip, bank book/statements showing salary income or latest tax demand note
Mortgage Process
Bank approves mortgage application
It usually takes a week to a month for the bank to approve a mortgage. Compare and choose the bank with the most suitable terms, and sign the letter of loan offer with bank. The bank will send a letter to your law firm to inform the lawyer to prepare the mortgage deed.
Mortgage Process
Sign documents at law firm
Before the transaction day, the buyer and the guarantor (if any) go to the law firm to sign the mortgage deed and other documents required by the bank.
Mortgage Process
Complete transaction
The law firm informs the bank that the bank will deliver the loan to the law firm to arrange delivery to the seller, and the transaction is completed. After the transaction is completed, the bank will issue a cash rebate for the mortgage within one month. In addition, a repayment process table will be sent to inform customers of the detailed information of the principal, interest and balance of the monthly payment.
Property valuation

Latest Mortgage Measures

Residential Property

Applicants who have not borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application

Value of properties/Types of propertiesMaximum LTV Ratio
 Applicants' income mainly derived in HKApplicants' income mainly derived from outside of HK
<$10 million60%  
(subject to a loan cap of HK$5 million)
50%  
(subject to a loan cap of HK$4 million)
>=$10 million50%40%
Non-owner occupied residential properties and residential properties held by companies50%40%

 

LTV for Net-worth-based Leading Application

Residential propertiesLTV Caps
Regardless of value40%

 

Applicants who have borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application

Value of properties/Types of propertiesMaximum LTV Ratio
 Applicants' income mainly derived in HKApplicants' income mainly derived from outside of HK
<$10 million50%  
(subject to a loan cap of HK$4 million)
40%  
(subject to a loan cap of HK$3 million)
>=$10 million40%30%
Non-owner occupied residential properties  
and residential properties held by companies
40%30%

 

LTV for Net-worth-based Leading Application

Residential propertiesLTV Caps
Regardless of value30%

 

Mortgage Insurance Plan (MIP) (For property value up to HK$6 million)

Property valueMaximum LTV Ratio
<=$4 million  80% or 90%*
>$4 million but <$4.5 million  80% - 90%*  
(max loan cap of $3.6 million)
>=$4.5 million but <=$6 million  80%  
(max loan cap of $4.8 million)

 *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 for property value up to HK$6 million)

Not accepted the MIP application if the borrowers whose income is derived mainly from outside Hong Kong

 

Mortgage Insurance Plan (MIP) (For property value up to HK$19.2 million)

Property ValueMaximum LTV Ratio
>$4 million but <=$10 million80% or 90%*
>$10 million but <$11.25 million80% - 90%*  
(max loan cap of $7.2 million)
>=$11.25 million but <=$19.2 million80%  
(max loan cap of $9.6 million)

*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 for property value up to HK$19.2 million)

Not accepted the MIP application if the borrowers whose income is derived mainly from outside Hong Kong

 

Debt-to-income (DTI) Ratio and Stressed-DTI

 DTI Ratio (Self-use)DTI Ratio (Non-self-use)
 Applicant's income mainly derived in HKApplicant's income mainly derived from outside of HKApplicant's income mainly derived in HKApplicant's income mainly derived from outside of HK
Applicants who have not borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application
DTI Ratio50%40%40%30%
Stressed-DTI (Assuming a 3% hike in interest rate)60% 

50%

 

50% 

40%

 

Applicants who have borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application
DTI Ratio40%30%40%30%
Stressed-DTI (Assuming a 3% hike in interest rate)50% 

40%

 

50% 

40%

 

 

Debt-to-income (DTI) Ratio and Stressed-DTI Ratio (If Additional Financing results in total mortgage finance amounting to 20 percentage points over the normal permissible LTV)

 DTI Ratio (Self-use)DTI Ratio (Non-self-use)
 Applicant's income mainly derived in HKApplicant's income mainly derived from outside of HKApplicant's income mainly derived in HKApplicant's income mainly derived from outside of HK
Applicants who have not borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application
DTI Ratio45% 35%35% 25%
Stressed-DTI (Assuming a 3% hike in interest rate)55% 

45%

 

45% 

35%

 

Applicants who have borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application
DTI Ratio35% 25%35% 25%
Stressed-DTI (Assuming a 3% hike in interest rate)45% 

35%

 

45% 

35%

 

Commercial and Industrial Properties

Applicants who have not borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application

Value of properties/Types of propertiesMaximum LTV Ratio
 Applicants' income mainly derived in HKApplicants' income mainly derived from outside of HK
Regardless of value50%40%

 

LTV for Net-worth-based Leading Application

Industrial propertiesLTV Caps
Regardless of value40%

 

Applicants who have borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application

Value of properties/Types of propertiesMaximum LTV Ratio
 Applicants' income mainly derived in HKApplicants' income mainly derived from outside of HK
Regardless of value40%30%

 

LTV for Net-worth-based Leading Application

Industrial propertiesLTV Caps
Regardless of value30%

 

Debt-to-income (DTI) Ratio and Stressed-DTI Ratio

 DTI Ratio (Self-use)
 Applicant's income mainly derived in HKApplicant's income mainly derived from outside of HK
Applicants who have not borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application
DTI Ratio40%30%
Stressed-DTI (Assuming a 3% hike in interest rate)50%40%
Applicants who have borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application
DTI Ratio40%30%
Stressed-DTI (Assuming a 3% hike in interest rate)50%40%

 

Repayment period

  • A maximum repayment period of 30 years
Carpark

Applicants who have not borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application

Value of properties/Types of propertiesMaximum LTV Ratio
 Applicants' income mainly derived in HKApplicants' income mainly derived from outside of HK
Regardless of value50%40%

 

LTV for Net-worth-based Leading Application

Carpark propertiesLTV Caps
Regardless of value40%

 

Applicants who have borrowed or guaranteed other outstanding mortgage(s) at the time of making a mortgage application

Value of properties/Types of propertiesMaximum LTV Ratio
 Applicants' income mainly derived in HKApplicants' income mainly derived from outside of HK
Regardless of value40%30%

 

LTV for Net-worth-based Leading Application

Carpark propertiesLTV Caps
Regardless of value30%

 

Repayment period

  • A maximum repayment period of 15 years
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