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Mortgage Know It All

Learn all about mortgages and how to confidently prepare for home ownership​

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Content related to #LTV

Mortgage Know It All

Learn all about mortgages and how to confidently prepare for home ownership​

Instant Mortgage Assessment

Instant assessment of affordability and home budget to help you prepare for home ownership

Get assessment

New Property: Key factors to note when buying first-hand property

What are the implications of a cash payment plan versus stage payment plan when buying a first-hand property? What are the risks of buying an uncompleted property? Watch this video to understand the key considerations you need to keep in mind when making decision.

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Demystifying Loan-to-value Ratio and Loan Tenor under the Second-hand Home Ownership Scheme

Learn how to budget a purchase of second-hand HOS flat with unpaid land premium, and understand the relationship between building age, Loan-to-value (LTV) ratio and mortgage loan tenor.

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Decoding Home Ownership: Understanding High Loan-to-value Ratio Mortgages

Confused about the requirements for a high loan-to-value ratio mortgage? Can double pay, bonuses and commissions be counted as income? How can we plan the budget? Let the mortgage experts answer these questions for you!

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Pre-mortgage Must-read: Basic Stamp Duty and High Loan-to-Value Ratio Mortgage

Following the announcement of the 2024-25 Budget Address, no Special Stamp Duty (SSD), Buyer’s Stamp Duty (BSD) or New Residential Stamp Duty (NRSD) needs to be paid for any residential property transactions starting from 28th February 2024. In other words, whether you are a local or first-time homebuyer or not, everyone pays the same amount of stamp duty.

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Smart Tips on Cash-out Refinancing

Home owners can take advantage of property value appreciation to cash out money. This article provides some tips on how to cash out wisely using lower interest rates.

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The Key to a Home Purchase: Budgeting for Down Payments and Understanding LTV & DTI

Wonder how much of a down payment is needed to buy your desired property? Here we will explain the loan-to-value (LTV) ratio and debt-to-income (DTI) using different scenarios, with analysis on the points to note for different income types.

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HSBC mortgage plans

See our comprehensive mortgage plans to suit your needs

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Instant Mortgage Assessment

Assess affordability and home budgeting​

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Property valuation

Estimate the current value of a flat in major estates of Hong Kong

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Home purchase and mortgage process

8 steps to help you through the process of buying a property and applying for a mortgage

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Mortgage application documents checklist

Read our checklist for documents required for your mortgage application.

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