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New Purchase Mortgage Plan
Allows you to achieve dream of home-ownership with less downpayment
  • Loan amount of up to 80% of the purchase price/ appraised property’s value (whichever is lower). Customer who fulfils relevant requirements can borrow up to 90%*
  • Loan tenor of up to 30 years; Applicable to property price of HK$6,000,000 or below
  • Borrow insurance premium (1) along with the mortgage loan in one lump sum
Below is the case sharing for "Mortgage Insurance Programme" (for reference only)

^ Customer can also borrow the insurance premium (HKD3,600,000x2.15%=HKD77,400) along with the loan

* Applicants who fulfilled the following criteria are eligible for mortgage loans with maximum 90% loan-to-value ratio (“LTV”) (base on the lower of purchase price / valuation of the property): (i) all mortgagors not holding any residential properties in Hong Kong at the time of application; (ii) all applicants being regular salaried persons; and (iii) maximum debt-to-income ratio of 45%; while the maximum LTV of this plan is generally 80%. The loan amount is subject to the final approval of Hang Seng Bank Limited (“Hang Seng”).

One-Stop Mortgage Service for Hang Seng “Mortgage Insurance Programme”
  • Instant Initial Assessment+ Customers get to know the initial assessment result such as loan size, loan tenor, etc
  • Follow-up by Professional Mortgage Consultants Equipped with professional and comprehensive mortgage knowledge to follow up from enquiries handling to completion of mortgage application

  • Make Online Appointment with Mortgage Consultants
Terms and Conditions
  1. (1) Successful applicants will be required to pay the mortgage insurance premium via Hang Seng. The Insurer reserves the right to change the above insurance premium rate from time to time without prior notice.
+ Result of Initial Assessment is for reference only and should not be regarded as a final approval for the mortgage loan from Hang Seng or a representation from Hang Seng that a final approval will be granted. Further assessment will be conducted according to Hang Seng’s prevailing policies when all of the documents required by Hang Seng are collected. The formal mortgage loan application is subject to final approval of Hang Seng.

Hang Seng reserves the rights to revise, amend or modify these terms and conditions from time to time without prior notice. In case of any disputes, the decision of the Bank shall be final.
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To borrow or not to borrow? Borrow only if you can repay!