Buy your rental flat at an affordable price under Mortgage for Tenants Purchase Scheme
If you live in a qualified government housing estate, you can buy your rental flat with a mortgage of up to 100% of the property value at an affordable, government-subsidised price.
No down payment
Borrow up to 100% of the property's value
Flexible mortgage plans
Choose HIBOR monthly plan or Best Lending Rate plan with monthly or fortnightly payments
Simple application process
Get personal help from our mortgage specialists
Mortgage tools and resources
Learn all about mortgages and how to confidently prepare for home ownership
Assess affordability and how much you should set as your budget for buying a home, instantly—plus, see how much you can save with a Deposit-linked Mortgage
Estimate the current value of any flat in major estates in Hong Kong with our simple address-based tool
Download the forms and documents for our mortgage products
Follow these steps to apply
Primary market: buying your current flat directly from the government
Secondary market: buying from a private owner
How to apply
Meet with us
You can book an appointment to meet a mortgage specialist in person at a designated branch.
Give us a call to get your application started. Lines are open 9:00am to 8:00pm, Mondays to Fridays, and 9:00am to 5:00pm on Saturdays, except public holidays.
At a branch
Frequently asked questions
Can I choose my own solicitors' firm?
Can I change my mortgage repayments?
Explore other mortgage products
Check out and compare our mortgage products to find the right one for you.
We offer a range of loan types to meet your unique financing needs
Get your mortgage secured 1 year before property completion, and borrow up to 100% of the property purchase price
Better manage your cash flow with loans to cover a variety of expenses
To borrow or not to borrow? Borrow only if you can repay!