Mortgage Plan From Bank:
Preferential Mortgage Plan
RateAs low as H+1.35% (cap 2.50%)
* Enjoy Mortgage-Link Account
Net Rate (p.a.)As low as 1.46%*
Loan-to-Value Ratioup to 90%
Loan Tenor30 years
Cash Rebateup to 1.0%
*H : 1 month HIBOR Rate (2020.11.18: 0.109%)
Vendor Payment Terms:
Second Mortgage Loan
Mortgage PlanP-2%:frist 36 months ,P-1%:37th month to 60th month
thereafter will be calculated at 1% above the Best Lending Rate
(P+1%p.a.)
(P:5%)
Loan-to-Value Ratioup to 30%
Frist + Second Mortgageup to 85%
Loan Tenor 30 years
Estimated material date:2021.04.30

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


For free professional mortgage services, please feel free to contact us:

Enquiry hotline: 2836 6121 / 2836 6183
WHATSAPP: 9608 3114

Email: rma@ricacorp.com

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