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HighAdvance Mortgage

Get a head start to buy your first home, with a smaller down payment.

A mortgage that doesn't require a large initial deposit

Don't have the funds for a large down payment? Our HighAdvance Mortgage could help. You could borrow up to 90%[@mortgage-ha] of your home's purchase price or property valuation, whichever is lower.

Key benefits

Less capital required upfront

Pay less upfront as a smaller down payment than with a typical mortgage

Simple application process

Get personal help from our mortgage specialists

Select a premium payment option that fits your needs

Our HighAdvance Mortgage offers a range of benefits. To enjoy them, you must join the Mortgage Insurance Programme offered by HKMC Insurance Limited.

You can then choose from the following premium payment options:

  • bundle premium – borrow a single premium as part of the mortgage loan
  • upfront premium – pay a single premium upon loan drawdown
  • annual premium – pay your premium annually upon loan drawdown

Mortgage tools and resources

Learn all about mortgages and how to confidently prepare for home ownership
Assess affordability and how much you should set as your budget for buying a home, instantly—plus, see how much you can save with a Deposit-linked Mortgage
Estimate the current value of any flat in major estates in Hong Kong with our simple address-based tool
Download the forms and documents for our mortgage products

How to apply

Meet with us

You can book an appointment to meet a mortgage specialist in person at a designated branch.

Call us

Give us a call to get your application started. Lines are open 9:00am to 8:00pm, Mondays to Fridays, and 9:00am to 5:00pm on Saturdays, except public holidays.

Application hotline:

(852) 2748 8080

Frequently Asked Questions

Explore other mortgage products

Check out and compare our mortgage products to find the right one for you.
We offer a range of loan types to meet your unique financing needs
Get your mortgage secured 1 year before property completion, and borrow up to 100% of the property purchase price
Better manage your cash flow with loans to cover a variety of expenses


    To borrow or not to borrow? Borrow only if you can repay!