【HOS Mortgage 2026】The Ultimate Guide to HOS Mortgages in Hong Kong: 2026 Home Ownership Scheme Tips
Securing a property through the Home Ownership Scheme (HOS) remains one of the most effective ways to achieve homeownership in Hong Kong. However, the mortgage rules for subsidized housing differ significantly from the private market. This guide explores how to navigate HOS mortgage applications, maximize your loan amount, and understand the latest interest rate trends for 2026.
HOS Mortgage vs. Private Mortgage: The Key Differences
Because HOS flats are backed by a guarantee from the Hong Kong Housing Authority, lenders can offer more generous terms than they would for a standard private residence.
• Higher Leverage: Green Form applicants can typically borrow up to 95% of the property value, while White Form applicants can borrow up to 90%.
• Simplified Approval: Banks usually do not require a formal "DTI Test" for most HOS properties.
• Government Guarantee: The HKHA acts as a guarantor for a specific period (the "Guarantee Period"), reducing the risk for the lender.
Choosing Your Interest Rate: P-Plan vs. H-Plan
When selecting a mortgage plan, you will generally choose between two structures:
• P-Based (Prime Rate): Historically the standard for HOS flats. It offers stability, as the Prime Rate fluctuates less frequently than market indices.
• H-Based (HIBOR): Linked to the Hong Kong Interbank Offered Rate. While H-plans can be lower when market liquidity is high, they often come with a "cap" tied to the Prime Rate to protect you from sudden spikes.
Comparison of Mortgage Terms at a Glance
| Feature | Green Form | White Form |
| Max Loan-to-Value (LTV) | 95% | 90% |
| Maximum Tenor | 30 Years | 30 Years |
| Down Payment | 5% | 10% |
Essential Application Checklist
To ensure a smooth approval process, prepare the following:
1. Certificate of Eligibility for Purchase: Essential for secondary market buyers.
2. Letter of Nomination: Issued by the Housing Authority.
3. Income Proof: Latest tax demand notes, 3–6 months of bank statements, and employment contracts.
4. Preliminary Valuation: Ensure the bank's valuation matches your purchase price to avoid a "valuation gap" where you might need to pay more upfront.
 remains one of the most effective ways to achieve homeownership in Hong Kong. However, the mortgage rules for subsidized housing differ significantly from the private market. This guide explores how to navigate HOS mortgage applications, maximize your loan amount, and understand the latest interest rate trends for 2026.', 'images/share.jpg');){kind=link}
 remains one of the most effective ways to achieve homeownership in Hong Kong. However, the mortgage rules for subsidized housing differ significantly from the private market. This guide explores how to navigate HOS mortgage applications, maximize your loan amount, and understand the latest interest rate trends for 2026.', 'images/share.jpg');){kind=link}