Mortgage Insurance Programme

OCBC Bank Mortgage Insurance Programme1 offers high loan-to-value mortgage up to 90% of property value2 and helps you achieve your dream of home-ownership.
Mortgage Insurance Programme
  • Preferential mortgage interest rate, option to choose Prime Based Mortgage Plan or HIBOR Based Mortgage Plan

  • Cash rebate offer

  • Mortgage loan tenor of up to 30 years

  • Insurance premium3 can be integrated into the loan amount


1Mortgage Insurance Programme (MIP) is operated by HKMC Insurance Limited (HKMCI) which is a wholly owned subsidiary of The Hong Kong Mortgage Corporation Limited. Mortgage loans will only be offered to borrowers who meet the eligibility criteria for the MIP. The terms and conditions of the relevant programme, including the loan ratio, maximum loan amount, and loan tenor are subject to the announcement and final approval of HKMCI.

2The mortgage loan amount is capped at 90% of the property purchase price or property valuation (whichever is lower). Borrowers must comply with the terms and conditions of MIP.

3Insurance premiums should be paid by the borrowers. The insurance premium fee is determined subject to various factors, including the loan ratio, loan tenor and premium repayment method.

Reminder: “To borrow or not to borrow? Borrow only if you can repay!”

Ways to Apply

OCBC Bank branch
Visit any of our branches
Call our hotline
2921 6682
Mortgage manager will help you
Make an appointment
Important notes
  1. The above programme is applicable to Local Private Residential Property including village house for individual customers. It is applicable for the completion of primary or secondary market’s properties, transfer mortgages and cash-out refinancing.
  2. The above information is for reference only. Please read the relevant terms and conditions or contact our staff for details. OCBC Bank (Hong Kong) Limited (the “Bank”) reserves the final discretion in approving the mortgage loan application and the right to alter the above privileges, interest rates, terms and conditions at any time and from time to time without prior notice or consent of any customers. The Bank’s decision and interpretation on all matters concerning mortgage facility terms shall be final, conclusive and binding on all customers.
  3. The Hong Kong Interbank Offered Rate (H) may move up or down, and customers should pay attention to the risk caused by the fluctuation of the Interbank Offered Rate.
  4. The final terms of the local residential mortgage loan are subject to the offer letter.
  5. If there is any discrepancy between the English and the Chinese versions of these important notes, the English version shall prevail.
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