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HKMA: Max. LTV Ratio/ DSR Limit to Be Standardized at 70%/ 50% for All Properties
The Hong Kong Monetary Authority (HKMA) today (16th) issued guidelines to banks adjusting the countercyclical macroprudential measures for property mortgage loans.Taking all releva...
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HKMA: Max. LTV Ratio/ DSR Limit to Be Standardized at 70%/ 50% for All Properties
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The Hong Kong Monetary Authority (HKMA) today (16th) issued guidelines to banks adjusting the countercyclical macroprudential measures for property mortgage loans.

Taking all relevant factors into account, the HKMA considered that there is room to further adjust the countercyclical macroprudential measures, while continuing to maintain banking stability and ensuring the proper risk management of property mortgage loans.

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Of which, the maximum loan-to-value (LTV) ratio for all residential properties will be set at 70%, regardless of the value of the property and whether it is for self-occupation.

After these adjustments, the maximum LTV ratio will be standardized at 70% and the debt servicing ratio (DSR) limit will be standardized at 50% for all residential properties and non-residential properties.

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