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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.


Fees & Charges


Benefits

  • Borrow up to 100% of the property's value
  • Take out a mortgage for up to 25 years

Fees & Charges

  • Our experts can help with your application process
  • Choose from a range of repayment plan options

How to apply

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

Request an appointment

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

Dropdown
  • Secondary market: buying from a private owner

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.

Step 1

Apply for an eligibility certificate from the Hong Kong Housing Authority to buy a flat.

Step 2

  • Look for the right property
  • Negotiate the property price and then sign a provisional Sale and Purchase Agreement

Step 3

Apply for a mortgage loan by visiting any HSBC branch.

Step 4

Sign the Mortgage Deed and formal Sale and Purchase Agreement at your solicitor's office.

Step 5

Collect the keys to your new flat.


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.


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

Our mortgages on our Best lending Rate(BLR).

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!