The loan-to-value ratio for off-plan property mortgages generally depends on whether the buyer chooses the construction period or immediate payment option:
Construction period:
Properties priced below HKD 8 million can have a loan-to-value ratio of up to 90%.
Properties priced between HKD 8 million and HKD 9 million can have a loan-to-value ratio of 80% to 90%.
Properties priced between HKD 9 million and HKD 10 million can have a maximum loan-to-value ratio of 80%.
Immediate payment:
Properties priced below HKD 6 million can have a loan-to-value ratio of up to 80%.
Properties priced below HKD 4 million can have a maximum loan-to-value ratio of 90%.