Do I need to top up difference in LTV (15%) when refinancing from HDB loan (90%) to bank loan (75%)?

If I switch immediately from a HDB loan (90% LTV) to a bank loan (75% LTV), do I need to top up the difference (15% - min 5% in cash, 10% CPFOA), or will banks loan me the full 90% amount?

I can't find this infomation on any of the bank's websites.