Home Ownership Scheme
Eligible families and individuals can buy a government-subsidised flat for less than the market rates.
Choose from monthly or fortnightly repayments on a straight-line or step-up plan
Our experts can walk you through the application process
Borrow up to 95% of the property’s value
Take out a mortgage for up to 25 years
Get help to buy a home with ease under the Home Ownership Scheme.
Tenants Purchase Scheme
Residents of selected estates under the Hong Kong Housing Authority can buy their flat at an affordable price.
Choose from a range of repayment plan options
Borrow for up to 25 years
Get expert step-by-step help with your application
With a mortgage of up to 100% of the property value, you can lower the burden on your financial arrangements.
Related products and services
Repayment plan options
Own your home sooner and save on interest or repay less in the earlier years.
To borrow or not to borrow?
Borrow only if you can repay!
1 Hong Kong Interbank Offered Rate (HIBOR) as at any date means the Hong Kong Interbank Offered Rate for the interest period of 1 month for Hong Kong Dollars quoted by The Hongkong and Shanghai Banking Corporation Limited at or about 11:00 a.m. (Hong Kong time) on such date. This HIBOR quoted by The Hongkong and Shanghai Banking Corporation Limited is not necessarily the same as HKD Interest Settlement Rates published by The Hong Kong Association of Banks.
2 Best Lending Rate (BLR) refers to the Hong Kong Dollar Best Lending Rate quoted by The Hongkong and Shanghai Banking Corporation Limited from time to time.