New Purchase Mortgage Plan
Allows you to achieve dream of home-ownership with less downpayment
  • Mortgage loan amount of up to 80% of the purchase price/ appraised property’s value (whichever is lower). First time home buyer who fulfils relevant requirements can borrow up to 90%*
  • Mortgage loan tenor of up to 30 years
  • 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)Mr and Mrs Chan applies for 90 percentage mortgage loan, along with insurance premium through Hang Seng Mortgage Insurance Programme and pay a less down payment of HKD1,350,000.

^ “Mortgage Insurance Programme” applicant can also borrow the insurance premium (HKD7,200,000x2.5%=HKD180,000) along with the loan. Insurance premium amount is based on mortgage type, loan-to-value ratio and loan tenor.

* “Mortgage Insurance Programme” 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; and (ii) all applicants being regular salaried persons; 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


  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.

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