| Preferential Mortgage Plan | Up to 80% ( value at or above $6M ) Mortgage Plan | |
| Rate | H+1.25% (cap 2.5%) * Enjoy Mortgage-Link Account | As low as P-2.50% (P=5.25%) |
| Net Rate (p.a.) | As low as 1.89%* | As low as 2.75% |
| Loan-to-Value Ratio | up to 90% | up to 80% (value below $10M) |
| Loan Tenor | 30 years | 25 years |
| Cash Rebate | up to 1.0% | up to 0.5% |
* The above information is for reference only, and subject to the latest announcement of HKMA & HKMC.
# Property value below HK$9million maximum LTV up to 90%(subject to a loancap of HK$7.2 million). Property value up to HK$10million maximum LTV up to 80%.The property must be a completed residential properties located in Hong Kong.
## For off-plan project/ residential properties purchace price/ property value is below $6million maximum LTV up to 80%. $4million maximum LTV 90%, maximum loan up to $3.6million.
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
