Reflecting on the past year, Hong Kong's car park market remains highly active, with registration volumes in certain months soaring by nearly 30% month-on-month, hitting a multi-year high. Whether for self-use or investment, car park spaces have become a vital asset for Hongkongers. Looking into 2026, the car park market is expected to heat up further following the HKMA's relaxation of mortgage ratios for non-residential properties.
The sale of car park spaces in Taikoo Shing was a market highlight, with the developer cashing out hundreds of millions in just two days, demonstrating strong demand. Notably, savvy buyers often avoid "Full Pay" and instead utilize car park mortgage strategies to preserve capital for other investment opportunities.
在現今市場，懂得運用合契車位的高成數優勢，以及掌握獨立車位的新按揭政策，比單靠現金入市更具爆發力。本文將以 按揭 專家角度，拆解 Car Park Mortgage 申請條件、最新成數計算及投資者必知的實戰技巧
When applying for a car park mortgage, banks or mortgage companies primarily review the following:
Must be 18+ years old with HK residency, a stable income (employed or self-employed), and a good credit record without serious defaults or bankruptcy. Additionally, banks require a stress test to ensure the Debt-to-Income ratio is compliant. For self-employed individuals or those with insufficient income proof, bank approvals can be strict; in such cases, flexible professional mortgage companies are a viable alternative.
Self-Employed Needs Liquidity?Learn More
First, select a space and sign a preliminary agreement. Then, submit property details, income proof, and financial documents to the lender. The institution will conduct a valuation and assess the LTV ratio. After approval, sign mortgage documents, complete title checks through a solicitor, and the loan will be disbursed to pay the balance.
The devil is in the details: what truly impacts your budget is the LTV ratio and property type—Independent vs. Integrated. A professional mortgage company can provide precise valuations and strategic analysis at this stage.
Historically, the LTV for independent spaces was capped at 40-50%, deterring many investors. Under the 2026 policy, the HKMA has standardized the LTV cap for non-residential properties (including independent car parks) to 70%.
Example: $2M Independent Space
Old System: 50% LTV, $1M down payment.
New System： 70% LTV, only $600k down payment.
The entry barrier has dropped by $400k, significantly boosting ROI. However, note that banks remain conservative, often leading to "under-valuation." Seeking help from GICL Global Credit, which offers more aggressive and market-responsive valuations, ensures you secure the full LTV.
Worried about Under-valuation for Old Buildings? Learn More
An "Integrated Space" is bundled with a residential unit in a single contract. Banks treat it as part of the residential property. If the total price is $10M or below, the LTV can reach 80-90%, with terms extending up to 30 years.
目前本港主要銀行（如 HSBC 匯豐、中銀香港、恒生銀行等）的車位按揭實際年利率大約維持在 3.5% 至 5% 之間。
銀行普遍將車位視為非住宅類別，因此審批態度非常保守。申請人不僅須提供齊全且穩定的入息證明，更需通過嚴格的壓力測試。萬一您名下已持有其他住宅物業按揭，成數與供款比率還會被進一步扣減，審批往往動輒需時數星期。
相比之下，財務公司的車位按揭年利率一般約為 6% 至 12%（視乎個案整體風險而定）。
這份溢價換來的是銀行無法提供的極致彈性：全面免收常規入息證明，且不設硬性壓力測試。這樣的安排對於自僱人士、中小企老闆、自由工作者，或者是看準合適車位、追求特快成交以防「被撻訂」的投資客來說，是絕對的靈活中轉站。
在還款年期方面，兩者同樣有著顯著的差距：
Suppose you purchase a car park space for $2 million and a residential unit for $8 million in a housing estate. Here is a comparison between separate transactions and an integrated transaction:
Scenario 1: Separate Mortgage Applications
The $8 million residential unit at 80% LTV allows a $6.4 million loan. The $2 million car park space can only get a 70% mortgage, yielding a $1.4 million loan. The down payment required would be: $8M x 20% plus $2M x 30%, which is $1.6M + $600k, totaling $2.2 million.
Scenario 2: Integrated Application for Unit and Space
With a combined price of $10 million, if you are a first-time homebuyer for self-occupation and meet mortgage insurance requirements, you can apply for up to 90% LTV, which is a $9 million loan. You only need a $1 million down payment, saving $1.2 million in cash compared to separate applications.
As shown, utilizing an integrated car park arrangement significantly boosts the LTV ratio and extends the repayment period. This is highly attractive to buyers with tight capital who wish to own both a home and a parking space. At this stage, a professional mortgage company can provide detailed calculations to help you compare the actual cost-effectiveness of different options.
For seasoned investors, a car park space is not just a tool for rental income but also a flexible "piggy bank" for financing. Compared to the rigid terms of banks, GICL offers car park mortgage solutions better suited for investors:
Banks often undervalue car park spaces due to sparse transactions, meaning you might not borrow enough despite the 70% quota. GICL uses market-responsive valuation standards, helping you maximize leverage and enter the market with minimal capital to achieve the highest rental yield.
Even if you plan to buy the space with full pay or have already cleared the mortgage, you can apply for a "Standby Credit Line" with GICL.
Mechanism: Cash out the car park's value into a credit limit (e.g., $1 million).
Advantages："No interest if approved but not used." Withdraw funds instantly when a bargain property appears or urgent liquidity is needed; otherwise, it stays on standby without accruing interest. This flexibility, which banks cannot offer, turns your car park space into a "mobile cash card" available at any time.
車位投資往往講求速度，特別是遇到低水盤或摸貨機會。銀行批核需時 1-2 個月，隨時令您錯失良機。GICL 承諾最快 24 小時批核，助您快人一步鎖定交易。
環球信貸現正推出限時車位轉按迎新優惠！不論想轉按慳息或加按套現，全新 Promotion 均提供極具競爭力的利率及尊享禮遇，助您靈活活化車位資產！
然而，雖然合契車位可帶來較高按揭成數與更長還款期，但申請前需留意以下重點：
While merged car parks are an attractive investment, it is crucial to remain vigilant regarding the following operational risks:
Selling the space separately later requires "deeding" procedures involving legal fees and time.
Under-valuation of the car park portion could drag down the total mortgage loan amount for the entire property.
Not all banks accept 90% LTV for integrated spaces; consult a professional intermediary for the latest bank positions.
所謂車位加按或再融資，是指業主利用現時名下持有的車位作為擔保品，將其近年升值的空間套現，或者將已經向銀行還清的按揭本金重新借出，轉化為一筆過、可自由調配的大額流動資金。這種做法最大的好處在於毋須「賣斷」資產，業主既能繼續享受車位的自用便利或每月收租回報，同時又能靈活套現，活化資產價值。
車位在法律上屬於「非住宅物業」，傳統銀行的審批向來比住宅保守。此外，若名下已持有住宅按揭，再去銀行申請獨立車位按揭時，其成數及供款入息比率都會受到更嚴格的限制，令整個審批過程關卡重重。
不論車位本身有多優質，傳統銀行對獨立車位的還款期最長一律只有 20 年；環球信貸為業主提供全港更具彈性的理財方案，還款期最長可拉長至 25 年。
可以。只要您看中的是具備獨立業權的「獨立車位」，即使您在香港名下沒有任何住宅物業，依然可以單獨為該車位申請按揭貸款。
車位的估值並非憑空想像，金融機構通常會綜合以下三大核心指標進行評估：
Whether looking to snag independent spaces or save on down payments via integration, GICL Global Credit provides the fastest, market-focused car park mortgage solutions.
Want to know how much you can borrow for your car park?WhatsApp Us
📞 Call Now: 2111 0998
🌐 Apple Online：https://gicl.com.hk/
GICL | Money Lender's Licence No.: 82/2026, 0403/2025, 1916/2025 | Turn your property value into fast cash
Disclaimer: The cases contained herein are shared with the consent of our clients, with certain details anonymized to protect privacy. Warning: You have to repay your loans. Don't pay any intermediaries! GICL reminds you to borrow responsibly and manage your personal finances wisely.
We offer a free preliminary property valuation service. Please fill out the form below and we will get back to you as soon as possible.
