Existing Building
| Property Value | Maximum LTV Ration |
| At or below HK$10 million | 90%* (According to the mortgage company's valuation) |
| Above HK$10 million and below HK$11.25 million | 80%至90%* (Max loan cap = HK$9 million) |
| Above HK$11.25 million and below HK$12 million | 80% |
| Above HK$12 million and below HK$19.20 million | 50%至80% (Max loan cap = HK$9.6 million) |
Uncompleted Building
| Property Value | Maximum LTV Ration |
| At or below HK$4 million | 90%* (According to the mortgage company's valuation) |
| Above HK$4 million and below HK$4.5 million | 80％至90%* (Max loan cap = HK$3.6 million) |
| At or Above HK$4.5 million and below HK$6 million | 80%至90%* |
| Above HK$6 million and below HK$9 million | 80%至90%* (Max loan cap = HK$7.2 million) |
| Above HK$9 million and below HK$10 million | 80% |
| At or Above HK$10 million | 50% |
Non-self use Residential Properties or holds more than one mortgage loan
| Property Value | Maximum LTV Ration |
| Below HK$7 million | 50% |
| At or Above HK$7 million and below HK$10 million | 50% (Max loan cap = HK$4 million) |
| At or above HK$10 million | 40% |
| Non-self use or a company | 40% |
| holds more than one mortgage loan | 10% reduction based on the above ratio |
Approval by asset level
| Property Value | Maximum LTV Ration |
| First Property | 40% |
| Second Property | 30% |
| *The applicants shall be fulfilled (1) Does/do not hold any property at loan applicants; (2) Regular salaried; and Debt-to-income ratio is 50% or below. |
Debt Servicing Ratio
| Property | Debt Servicing Ratio (Self use) |
Debt Servicing Ratio (Non-self use) |
| First Property | 50% | 40% |
| Second Property | 40% | 40% |
Mortgage stress test
(Assuming a 3% rise in interest rates, mortgage insurance plans or fixed-rate mortgages below 10 million are not required)
| Property | Debt Servicing Ratio (Self use) |
Debt Servicing Ratio (Non-self use) |
| First Property | - | 50% |
| Second Property | 50% | 50% |
