Short answer：HKMCI’s general information sets regular-salaried-applicant conditions, among others, for lending above 80% up to 90%. More documents alone do not establish a self-employed applicant’s eligibility for 90%.
Identify the applicable product
Insurance categories, professional-applicant provisions and bank products may differ. Confirm income classification, property use and available ratios with the lender and HKMCI. Do not mix historical brochures or cash-out products with the intended application.
Evidence business income
Provide requested tax, accounts, banking and business records and explain irregular receipts. Lending still depends on verification, valuation and conditions. Do not manufacture an employment history to fit a category.
Before deciding
- Confirm eligibility before budgeting the deposit
- Check document dates and product categories
- Plan around actual approval terms
Sources and method
Sources support the specific rules described. Checklists and hypothetical calculations are editorial explanations, not measured market results or individual approvals.
Revision：Removed unsupported experience, case outcomes and statistics; corrected the topic-specific rules and limitations described above.
Scope：General information only, not personalised legal, tax, immigration, admissions or investment advice.