MORTGAGE INSURANCE PROGRAMME

Get a mortgage up to 90% of your property's value

Please read the Key Facts Statement for Mortgage Insurance Programme.

Why you will love this

Preferential rates with your choice of Prime-Based Mortgage Plan or HIBOR-Based Mortgage Plan

Cash rebates offer available

Enjoy a flexible repayment period of up to 30 years

Who can apply

You’re eligible if you meet the criteria set by HKMC Insurance Limited (HKMCI)

Have us contact you

Let us help you achieve your dream home ownership – We offer high loan-to-value mortgage up to 90% of property value.

BENEFITS
High Loan-to-value mortgage up to 90%

High Loan-to-value mortgage up to 90%

Enjoy financing of up to 90% of your property’s valuation or purchase price — whichever is lower.

Enjoy financing of up to 90% of your property’s valuation or purchase price — whichever is lower.

Simple application process

Simple application process

Our dedicated Mortgage Sales will guide you through every step and offer personalised advice to suit your needs.

Our dedicated Mortgage Sales will guide you through every step and offer personalised advice to suit your needs.

Manage upfront costs more easily

Manage upfront costs more easily

You can include the insurance premium as part of your mortgage — so you’ll have fewer upfront expenses and more flexibility to repay over time.

You can include the insurance premium as part of your mortgage — so you’ll have fewer upfront expenses and more flexibility to repay over time.

MORTGAGE INSURANCE PROGRAMME (MIP)

The Mortgage Insurance Programme (MIP) is managed by HKMC Insurance Limited (HKMCI). Mortgage loans under this programme are offered to applicants who meet HKMCI’s eligibility criteria.

  • The final loan amount, maximum percentage and repayment period all depend on HKMCI's approval.
  • You can borrow up to 90% of your property's value or purchase price (whichever is less), if you meet all the MIP conditions.
  • You will need to pay insurance premiums. The cost depends on your loan amount, repayment period and how you choose to pay the premium.

YOUR SIMPLE MORTGAGE JOURNEY

Calculate your needs

Step 1

Calculate your needs

Use our Mortgage Calculator to estimate your ideal loan amount and all purchase expenses.

Calculate now

Get expert Help

Step 2

Get expert Help

Our Mortgage Sales will recommend the best loan package for you and guide you through the application. You may handle all paperwork at ease.

Fast approval process

Step 3

Fast approval process

If approved, we will send your official offer letter. Your Mortgage Sales will explain next steps to you. We will contact you promptly if more information is required.

Review & Accept

Step 4

Review & Accept

When your offer arrives, please take some time to review all terms. Accept the offer to own your dream home.
MORTGAGE CALCULATOR

1. Estimate Your Monthly Repayment

Calculate the total repayment for your mortgage loan.

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5 years
30 years
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Monthly repayment

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Total repayment
(Principal + Interest)

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Total interest payable

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Remarks:

  • The repayment calculations are based on the information entered by the customer and are for reference only and the actual repayment liability depends on the actual terms of each borrowing arrangement.
  • Please refer to Key Fact Statement for historical change of interest rate.
See all repayments

Remarks:

  • The repayment calculations are based on the information entered by the customer and are for reference only and the actual repayment liability depends on the actual terms of each borrowing arrangement.

2. Estimate Purchase Expenses

Calculate the budget you will need for your property purchase with our calculator.

Down-Payment

$ 0.00

Estimated Property Purchase Expenses

$ 0.00

*Figures are approximations and for illustrative purposes only

ADDITIONAL INFORMATION

Additional information

  1. The above programme is applicable to local private residential properties, including village house for individual customers. It is applicable for the completion of primary or secondary market’s properties, transfer mortgages and cash-out refinancing.
  2. The above information is for reference only. Please read the relevant terms and conditions or contact our staff for details. OCBC Bank (Hong Kong) Limited (the “Bank”) reserves the final discretion in approving the mortgage loan application and the right to alter the above privileges, interest rates, terms and conditions at any time and from time to time without prior notice or consent of any customers. The Bank’s decision and interpretation on all matters concerning mortgage facility terms shall be final, conclusive and binding on all customers. The final terms of the local residential mortgage loan are subject to the offer letter.
  3. The Hong Kong Interbank Offered Rate (HIBOR) may move up or down, and customers should pay attention to the risk caused by the fluctuation of the HIBOR.
  4. If there is any discrepancy between the English and the Chinese versions of these important notes, the English version shall prevail.
  5. For information regarding our list of appointed loan referral agents, please contact our hotline at (852) 2921 6682.
REMINDER

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

HOW TO APPLY

Have us help you get started on your loan.

Have us contact you

or call us at (852) 2921 6682.

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