If a large down payment is difficult for you to manage, a HighAdvance mortgage can help. You can borrow up to 80%1 of your home's purchase price or property valuation (whichever is lower) with premium pay for mortgage insurance cover.
Enables you to buy if you only have a small down payment.
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Own your home sooner and save on interest or repay less in the earlier years.
To borrow or not to borrow?
Borrow only if you can repay!
1 The mortgage loan amount is capped at 80% of the property purchase price or property valuation (whichever is lower) provided that mortgage insurance cover is made available by HKMC Insurance Limited and subject to their latest guideline. Regular salaried first time homebuyers with a maximum debt-to-income ratio of 45% may still be eligible for the maximum MIP cover of 90% LTV.
2 Hong Kong Interbank Offered Rate (HIBOR) as at any date means the Hong Kong Interbank Offered Rate for the interest period of 1 month for Hong Kong Dollars quoted by The Hongkong and Shanghai Banking Corporation Limited at or about 11:00 a.m. (Hong Kong time) on such date. This HIBOR quoted by The Hongkong and Shanghai Banking Corporation Limited is not necessarily the same as HKD Interest Settlement Rates published by The Hong Kong Association of Banks.
3 Best Lending Rate (BLR) refers to the Hong Kong Dollar Best Lending Rate quoted by The Hongkong and Shanghai Banking Corporation Limited from time to time.