Tenants Purchase Scheme

If you live on a qualified estate, you can buy your rental flat at an affordable, government-subsidised price. This scheme also covers certain families looking to move to an eligible flat on the secondary market.

 

Benefits:

  • Borrow up to 100% of the property's value
  • Take out a mortgage for up to 25 years
  • Our experts can walk you through the application process
  • Choose from a range of repayment plan options

With a mortgage of up to 100% of the property value, you can lower the burden on your financial arrangements.

How to apply

Product information

How to apply

In Branch

By Phone

Call (852) 2748 8080

Online

Use your Security Device / Mobile Security Key to log on and apply

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Arrange to see one of our mortgage specialists

New to HSBC, or don't have a Security Device/ Mobile security key?

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Application process

Step 1

  • Receive an invitation letter from the Hong Kong Housing Authority.
  • Return the application form with the intention money to the Hong Kong Housing Authority.

 

Step 2

  • Receive acceptance confirmation from the Hong Kong Housing Authority.

 

Step 3

  • Apply for a mortgage loan by visiting any HSBC branch.

 

Step 4

  • Sign the Mortgage Deed and Title Deed at your solicitor's office.

 

Step 5

  • You are now the owner of your current flat.

Primary market: buying your current flat directly from the government 

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Secondary market: buying from a private owner 

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Mortgage tools and resources

Property valuation tool

 

Estimate the current value of a flat in major estates of Hong Kong with our simple address-based tool.

Mortgage calculators

 

Learn how much you can borrow and calculate repayment amounts. You can also see what you can save with a Deposit-linked Mortgage.

Related products and services

Home related loans

 

Manage your cash flow more easily with loans to cover a variety of expenses.

Repayment plan options

 

Own your home sooner and save on interest or repay less in the earlier years.

Rate Information

HSBC HKD Hong Kong Interbank Offered Rate (HIBOR)¹  
HSBC HKD Best Lending Rate (BLR)²  

Home related insurance

 

Protect your new home with policies that cover your home's structure against hazard, your belongings and more.

Fire insurance  
Home insurance  

To borrow or not to borrow?

Borrow only if you can repay!

Remarks

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.

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