恒基物業代理有限公司營業二部總經理韓家輝先生右與恒基物業代理有限公司營業二部副總經理李菲茹小姐左.1 1
Preferential Mortgage Plan
RateAs low as H+1.35% (cap 2.50%)
Net Rate (p.a.)As low as 1.74%
Loan-to-Value Ratioup tp 90%
Loan Tenor30 years
Cash Rebateup to 1%
H : 1 month HIBOR Rate (2020.09.11 0.394%)

* 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

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韓家輝先生與梁以立先生合照.1 3


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