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Mortgage for Tenants Purchase Scheme

We can help public housing tenants and Green Form Certificate holders to buy their flats

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.

Key benefits

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

How to apply

Meet with us

You can book an appointment to meet a mortgage specialist in person at a designated branch.

Call us

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.

Application hotline:

(852) 2748 8080

Frequently asked questions

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!