| Preferential Mortgage Plan | |
| Rate | As low as H+1.35% (cap 2.50%) |
| Net Rate (p.a.) | As low as 1.83%* |
| Loan-to-Value Ratio | up to 90% |
| Loan Tenor | 30 years |
| Cash Rebate | up to 1.0% |
* The above information is for reference only, and subject to the latest announcement of HKMA & HKMC.
# For completed residential properties with property value below HK$9 million, the maximum loan amount shall either be (a) calculated at the maximum LTV ratio of 80% and up to 90% or (b) capped at HK$7.2 million, whichever is lower. If the property value is at or above HK$9 million (up to the cap of HK$10 million), the maximum loan amount shall be calculated at the maximum LTV ratio of 80%.
## For properties under construction with property value below HK$4.5 million, the maximum loan amount shall either be (a) calculated at the maximum LTV ratio of 80% and up to 90% or (b) capped at HK$3.6 million, whichever is lower. If the property value is at or above HK$4.5 million (up to the cap of HK$6 million), the maximum loan amount shall be calculated at the maximum LTV ratio of 80%.
You can refer to the “Maximum LTV Ratio” of the HKMCI website for details. http://www.hkmc.com.hk/eng/our_business/mortgage_insurance_programme.html
