Hawaii Revised Statutes Division 2. Business § 431:6-307

(1) Eighty per cent of the fair value of the property if the property is a dwelling house primarily intended for occupancy by one family, and the loan is required to be amortized within not more than thirty years by payment of installments thereon, at regular intervals not less frequent than every three months; or

(2) Seventy-five per cent of the fair value of the property in all other cases.