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95% Mortgage Plan



Loan amount of up to 95%(1) of appraised property value with an easily affordable 5% down payment to help you accomplish your home-owning dream.
Offers a choice of "Top Up" Mortgage or "Mortgage Insurance Programme" Loan to meet your different needs:

“Top Up” Mortgage
“Mortgage Insurance Programme” Loan
- Consists of two mortgage loans, a first mortgage of 70% and a second mortgage of up to 25% of the appraised property value.
- One-stop approval service by Hang Seng Bank.
- Applicable to self-use private residential properties under personal or shelf company ownership.
Self-owned Property
- Applicable to self-use private residential properties under personal ownership.
- A single mortgage loan.
- Loan amount of up to 95% of the appraised property value.
Rental Property
- Applicable to rental properties.
- Applicable to personal customers and shell companies
- Loan amount of up to 85% of the appraised property value.
- Applicable to private residential properties mortgage, equitable mortgage, cash -out financing and re-financing.
The above Mortgage Insurance Programme loans are subject to the approval of The Hong Kong Mortgage Corporation Limited.
The upfront fee (for "Top Up" Mortgage)/ insurance premium (for "Mortgage Insurance Programme" Loan) can be borrowed along with the mortgage loan in one lump sum.

We also offer you a series of special privileges for our comprehensive banking services(2):
 Service
 Privileges
Fire Protection Plan
First year premium waiver(3)
Home Care Plan
Six-month premium waiver(4)
Credit Card
Annual fee waiver during mortgage loan tenor

(1) For "Top Up" Mortgage, the maximum second mortgage loan amount is HKD5,000,000. Based on 95% loan-to-valuation ratio, the total loan amount of the first and second mortgages is up to HKD19,000,000. For "Mortgage Insurance Programme" Loan, the maximum loan amount is up to HKD20,000,000. Actual loan amount is subject to final approval.
(2) The privileges are subject to such requirements and terms and conditions as prescribed by Hang Seng Bank Limited. Please contact our staff for details.
(3) Only applicable to fire protection plan insured with Hang Seng General Insurance (Hong Kong) Company Limited.
(4) Offers cannot be used in conjunction with other promotion offers and only applicable to properties accepted by Hang Seng General Insurance (Hong Kong) Company Limited and for Home Care Plan (Plan A) offered by Hang Seng General Insurance (Hong Kong) Company Limited.

The above information is for reference only. Please contact our staff for full details of the related terms and conditions.

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