Mortgage for Government Housing Schemes

Buy your dream home through a government-subsidized housing mortgage

Please read the Key Facts Statement for Home Ownership Scheme.

Why you will love this

Borrow up to 95% for HOS and GSH flats under government housing schemes

Borrow 100% of the property value for Tenant Purchase Scheme (TPS)

Enjoy a flexible repayment period of up to 30 years

Who can apply

Eligible Green Form Applicant / White Form Applicant who meets the requirements as outlined by the Housing Authority

Have us contact you

With our Government Housing Scheme Mortgage, we help you secure affordable housing while managing your finances wisely.

Benefits

Flexible mortgage plans

You can enjoy up to 95% of the property's value for HOS & GSH, and up to 100% of for TPS. Choose fixed or adjustable rates to match your budget.

*Excludes deposits / Intention Money paid to the Hong Kong Housing Authority

You can enjoy up to 95% of the property's value for HOS & GSH, and up to 100% of for TPS. Choose fixed or adjustable rates to match your budget.

*Excludes deposits / Intention Money paid to the Hong Kong Housing Authority

Simple application process

We have dedicated Mortgage Sales to guide you at every step and personalised advice for your financial needs.

We have dedicated Mortgage Sales to guide you at every step and personalised advice for your financial needs.

Your Simple Mortgage Journey

Calculate Your Budget

Step 1

Calculate Your Budget

Use our Mortgage Calculator to estimate your ideal loan amount and all purchase costs.

Calculate now 

Get Expert Help

Step 2

Get Expert Help

Our Mortgage Sales will recommend the best loan packages, guide you through the application and handle all paperwork.

Quick Approval

Step 3

Quick Approval

If approved, we will send your offer letter and your Mortgage Sales will explain everything to you.

Review & Accept

Step 4

Review & Accept

When your offer arrives, please read through the terms and conditions carefully. Accept the offer to own your dream home.
MORTGAGE CALCULATOR

1. Estimate Your Monthly Repayment

Calculate the total repayment for your mortgage loan.

HKD 0
HKD 0
0 %
0 %
5 years
30 years
Bi-weekly
Monthly

Monthly repayment

HKD 0

Total repayment
(Principal + Interest)

HKD 0

Total interest payable

HKD 0

Remarks:

  • The repayment calculations are based on the information entered by the customer and are for reference only.
  • Please refer to Key Fact Statement for historical change of interest rate.
See all repayments

Remarks:

  • The repayment calculations are based on the information entered by the customer and are for reference only.

2. Estimate Purchase Expenses

Calculate the budget you will need for your property purchase with our calculator.

Down-Payment

$ 0.00

Estimated Property Purchase Expenses

$ 0.00

*Figures are approximations and for illustrative purposes only

ADDITIONAL INFORMATION

Additional information

  1. The above information is for reference only. Please read the relevant terms and conditions or contact our staff for details. OCBC Bank (Hong Kong) Limited (the “Bank”) reserves the final discretion in approving the mortgage loan application and the right to alter the above privileges, interest rates, terms and conditions at any time and from time to time without prior notice or consent of any customers. The Bank’s decision and interpretation on all matters concerning mortgage facility terms shall be final, conclusive and binding on all customers. The final terms are subject to the offer letter.
  2. The Hong Kong Interbank Offered Rate (HIBOR) may move up or down, and customers should pay attention to the risk caused by the fluctuation of the HIBOR.
  3. If there is any discrepancy between the English and the Chinese versions of these important notes, the English version shall prevail.
  4. For information regarding our list of appointed loan referral agents, please contact our hotline at (852) 2921 6682.
REMINDER

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

How to apply

Have us help you get started with your home loan.

Have us contact you

or call us at (852) 2921 6682.

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