Mortgage Insurance Programme Premium Rate Table
(Owner-occupied Residential Property Loans)
| Mortgage Type | Loan-to-Value Ratio (LTV) | Loan Tenor (Years) | Single Premium Payment (% of the Original Principal Balance) | Annual Premium Payment | |
|---|---|---|---|---|---|
| First year (% of the Original Principal Balance) | Renewal (% of the Original Principal Balance) | ||||
| Floating rate | |||||
| Above 60% and up to 80% | 10 | 1.15% | 0.58% | 0.28% | |
| 15 | 1.50% | 0.79% | |||
| 20 | 1.85% | 0.93% | |||
| 25 | 2.00% | 1.00% | |||
| 30 | 2.15% | 1.11% | |||
| Above 60% and up to 85% | 10 | 1.80% | 0.82% | 0.53% | |
| 15 | 2.28% | 1.02% | |||
| 20 | 2.68% | 1.13% | |||
| 25 | 2.95% | 1.29% | |||
| 30 | 3.05% | 1.40% | |||
| Above 60% and up to 90% | 10 | 2.60% | 1.09% | 0.77% | |
| 15 | 3.18% | 1.39% | |||
| 20 | 3.75% | 1.62% | |||
| 25 | 4.10% | 1.79% | |||
| 30 | 4.35% | 2.03% | |||
Note.
- The above premium rates are subject to revision by HKMC Insurance Limited without prior notice.
- The above information is for reference only.
