Policy Address

Relax the Maximum Loan-to-Value Ratios of Property Mortgage Loans

170. Taking into account the latest economic and financial environment and on the basis that the stability of the banking system is maintained, the HKMA will adjust the maximum loan to value ratio for residential properties to 70%, regardless of the value of the properties, whether the properties are for self use or held by companies, and whether the purchasers are first time home buyers, while the maximum debt servicing ratio will be adjusted to 50%. For non residential properties, the maximum loan to value ratio and maximum debt servicing ratio will be adjusted to the respective same levels.