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Home Ownership Scheme

Home Ownership Scheme

Eligible families and individuals can buy a government-subsidised flat for less than the market rates.

See details of the schemeabout Home Ownership Scheme

Benefits

  • 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


Tenants Purchase Scheme

Residents of selected estates under the Hong Kong Housing Authority can buy their flat at an affordable price.

See details of the schemeabout Tenants Purchase Scheme

Benefits

  • 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.

Arrange to see one of our mortgage specialists

Request an appointment

By Phone

Call (852) 2748 8080(852) 2748 8080

At an HSBC Mortgage Centre or Branch

Find your nearest Mortgage Centre

Find your nearest branch

HSBC Personal Internet Banking customers

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

Log on

HSBC customers without a Security Device / Mobile Security Key


Property valuation tool

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

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.

Home related insurance

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

Contact us

Arrange to see one of our mortgage specialists

Request an appointment

By phone

Call (852) 2748 8080(852) 2748 8080

At an HSBC Mortgage Centre or Branch

Find your nearest Mortgage Centre

Find your nearest branch

Tweet us

@HSBC_HK

To borrow or not to borrow?
Borrow only if you can repay!


Important information

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1Hong 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.
2Best 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.