The maximum loan amount you can borrow is based on your income and must conform to the maximum debt servicing ratio (DSR) requirements. There are two criteria for the DSR: Base-DSR and Stressed-DSR. For Base-DSR cap, the maximum Loan-to-value (LTV) ratio is 50%; while for Stressed-DSR, the maximum LTV is 60%. The Stressed-DSR is based on a 300 bsp interest rate hike.