Annex I MORTGAGE INSURANCE PROGRAMME PREMIUM RATE SHEET OWNER-OCCUPIED RESIDENTIAL PROPERTY LOANS FLOATING RATE Mortgage Insurance Premium
Mortgage Type Loan-tovalue Ratio (LTV) Loan Tenor (Years) Single Premium Payment (% of the Original Principal Balance) 0.55 0.60 0.65 0.70 0.75 0.80 0.85 1.00 1.15 1.40 1.50 1.65 1.75 1.85 1.55 1.80 2.15 2.30 2.40 2.50 2.60 2.15 2.50 2.98 3.35 3.55 3.75 3.95 2.48 2.88 3.38 3.78 3.98 4.28 4.58 Annual Premium Payment First Year (% of the Original Principal Balance) Renewal (% of the Original Principal Balance)
FLOATING RATE
Above 70% and up to 75%
Above 75% and up to 80%
Above 80% and up to 85%
Above 85% and up to 90%
Above 90% and up to 95%
10 15 20 25 30 35 40 10 15 20 25 30 35 40 10 15 20 25 30 35 40 10 15 20 25 30 35 40 10 15 20 25 30 35 40
N/A
N/A
0.50 0.60 0.70 0.75 0.85 0.95 1.05 0.70 0.80 0.90 1.00 1.10 1.20 1.30 0.90 1.09 1.28 1.46 1.65 1.85 2.05 1.04 1.26 1.48 1.68 1.90 2.10 2.30
0.24 0.24 0.24 0.24 0.24 0.24 0.24 0.45 0.45 0.45 0.45 0.45 0.45 0.45 0.63 0.63 0.63 0.63 0.63 0.63 0.63 0.73 0.73 0.73 0.73 0.73 0.73 0.73
OWNER-OCCUPIED RESIDENTIAL PROPERTY LOANS FIXED ADJUSTABLE RATE FOR FARM* Mortgage Insurance Premium
Mortgage Type Loan-tovalue Ratio (LTV) Loan Tenor (Years) Single Premium Payment (% of the Original Principal Balance) 0.53 0.58 0.63 0.68 0.73 0.77 0.82 0.95 1.10 1.35 1.45 1.55 1.65 1.75 1.40 1.70 1.95 2.05 2.20 2.30 2.40 2.01 2.34 2.84 3.18 3.38 3.58 3.78 2.32 2.70 3.27 3.66 3.89 4.19 4.44 Annual Premium Payment First Year (% of the Original Principal Balance) Renewal (% of the Original Principal Balance)
FIXED ADJUSTABLE RATE for FARM*
Above 70% and up to 75%
Above 75% and up to 80%
Above 80% and up to 85%
Above 85% and up to 90%
Above 90% and up to 95%
10 15 20 25 30 35 40 10 15 20 25 30 35 40 10 15 20 25 30 35 40 10 15 20 25 30 35 40 10 15 20 25 30 35 40
N/A
N/A
0.45 0.55 0.65 0.70 0.80 0.85 0.95 0.65 0.75 0.85 0.95 1.05 1.15 1.25 0.85 1.03 1.20 1.31 1.50 1.70 1.90 0.98 1.19 1.38 1.51 1.73 1.93 2.15
0.24 0.24 0.24 0.24 0.24 0.24 0.24 0.40 0.40 0.40 0.40 0.40 0.40 0.40 0.59 0.59 0.59 0.59 0.59 0.59 0.59 0.68 0.68 0.68 0.68 0.68 0.68 0.68
* i.e. Fixed Adjustable Rate Mortgages – Product under the FARM Programme announced by the HKMC
MORTGAGE INSURANCE PROGRAMME PREMIUM RATE SHEET NON OWNER-OCCUPIED RESIDENTIAL PROPERTY LOANS
Mortgage Insurance Premium
Mortgage Type Loan-to- value Ratio (LTV) Above 70% and up to 75% Loan Tenor (Years) 10 15 20 25 30 35 40 10 15 20 25 30 35 40 10 15 20 25 30 35 40 10 15 20 25 30 35 40 10 15 20 25 30 35 40 10 15 20 25 30 35 40 Single Premium Payment (% of the Original Principal Balance) 0.95 1.00 1.05 1.10 1.15 1.20 1.25 1.60 1.75 2.00 2.10 2.25 2.35 2.45 2.55 2.80 3.15 3.30 3.40 3.50 3.60 0.93 0.98 1.03 1.08 1.13 1.17 1.22 1.55 1.70 1.95 2.05 2.15 2.25 2.35 2.40 2.70 2.95 3.05 3.20 3.30 3.40
FLOATING RATE
Above 75% and up to 80%
Above 80% and up to 85%
FIXED ADJUSTABLE RATE for FARM*
Above 70% and up to 75%
Above 75% and up to 80%
Above 80% and up to 85%
* i.e. Fixed Adjustable Rate Mortgages – Product under the FARM Programme announced by the HKMC