Top 10 Most First-Time Buyer-Friendly Home Loans in Hong Kong

You must be a Hong Kong permanent resident, aged 18 or above, and have no prior property ownership to qualify as a first-time buyer for most government-backed schemes.

First-time buyers can get a mortgage with as low as 10% down payment for properties up to HK$8 million under the Mortgage Insurance Programme, provided the loan amount does not exceed HK$7.2 million.

Yes, the Hong Kong Housing Authority offers the Home Ownership Scheme (HOS) and the Green Form Subsidised Home Ownership Scheme, which provide subsidized flats with lower down payments and interest rates for eligible first-time buyers.

First-time buyers can access up to 90% LTV for properties priced at HK$8 million or below under the Mortgage Insurance Programme, subject to the borrower's income and repayment capacity.