The Bank of East Asia

Personal Banking

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90% Mortgage Plan

90% Mortgage Plan - Mortgage Insurance Programme1

Provided jointly by BEA and The Hong Kong Mortgage Corporation Limited

Key Facts Statement/Schedule of Fees and Charges

Special Features

  • Loan amount of up to 90%2 of property value
  • Applies to owner-occupied residential properties under the customer's personal name
  • Variety of mortgage plans with cash rebates on offer
  • Loan tenor of up to 30 years

Special Privileges

  • Waiver of the valuation fee
  • Cash rebate of HK$800 for successfully approved online applications

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Mortgage Insurance Programme Premium Rate3Table


Customers who participate in the Mortgage Insurance Programme can choose the Prime-based Residential Mortgage Plan, or Hibor-based Residential Mortgage Plan.


1 Mortgage 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 programme, including the loan ratio, maximum loan amount, and loan tenor are subject to the announcement and final approval of the HKMCI. For details, please contact a BEA representative.
2 Must comply with the terms and conditions of the Mortgage Insurance Programme.
3 Insurance premiums should be paid by the borrowers. The insurance premium fee is subject to the loan ratio, loan tenor, and premium repayment method. The insurance premium can be integrated into the loan amount.
Note: The above information is for reference only. All applications are subject to BEA's credit requirements and final approval. BEA reserves the sole right to vary or cancel the above offers and/or amend or alter the related terms and conditions at any time without prior notice.
To borrow or not borrow? Borrow only if you can repay!
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