Loading / 載入中
HKMA mortgage prudential limits
The current general prudential cap is 70% loan-to-value for residential property mortgages.
How HKMA mortgage prudential limits can help
The current debt-servicing-ratio limit is 50%, subject to bank assessment and applicable rules.
The former 200-basis-point mortgage stress-test requirement has been suspended since 28 February 2024.
More Mortgage information
HKMC Mortgage Insurance Programme
Eligible owner-occupied purchases can access up to 80% or 90% loan-to-value, depending on property value and applicant criteria.
View tool details
IFEC home-buying guide
Build the budget from down payment, stamp duty, legal fees, agency commission, renovation and recurring costs.
View tool details