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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

1) DSR-based lending

Property value

Self-use

Non-self-use or Company held

≤$30M

70%

60%

>$30M to ≤$35M

60%-70% (subject to a loan cap of $21M)

60%

>$35M

60%

60%

 

2) Net worth-based lending

Residential PropertyLTV Caps
Regardless of value60%

 

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 PropertyLTV Caps
Regardless of value50%

 

The maximum LTV ratio of MIP (for property value up to HK$6 million) 

(Applicable for provisional agreements for sale and purchase on or after 7 July 2023)

Property value Maximum LTV Ratio
At or below $4M80% 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) 

[Completed residential properties: Applicable for provisional agreements for sale and purchase on or after 7 July 2023]

[Residential properties under construction: Apply to mortgage loans for properties under construction for self-occupation with provisional agreements for sale and purchase executed on or after 22 September 2023, and they must be covered by the Lands Department Consent Scheme, and scheduled for completion within 12 months fr the drawdown dates of mortgage loans.]

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%

 

 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%

 

Commercial and Industrial Properties

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 propertiesLTV Caps
Regardless of value60%

 

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 propertiesLTV Caps
Regardless of value60%

 

2) Net worth-based lending

Commercial and industrial propertiesLTV Caps
Regardless of value50%

 

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%

40%

 

 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%

 

Carpark

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

CarparkLTV Caps
Regardless of value60%

 

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

1) DSR-based lending

CarparkLTV Caps
Regardless of value60%

 

2) Net worth-based lending

CarparkLTV Caps
Regardless of value50%

 

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%

40%

 

 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%

 

Important Notice
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