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Plan 1
P - 2.25% (Capped Rate 3.375%)
Mortgage Cash Rebate 2.4%
Applicable to Home Ownership Scheme
Plan 2
H+1.3%
Mortgage Cash Rebate up to 2.7%+$12,000
Applicable to First & Second Hand Property
Plan 3
H+1.3%
Mortgage Cash Rebate up to 2.7%+$12,000
Applicable to Mortgage Refinance
Bank Special Plan
Subdivided housing, self-employed people without tax bills, debt consolidation, asset approval (suitable for those with insufficient income), tenements, village houses, etc.
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Miss Lau
6332 2553
Latest Offers
New HOS prospective owners can get an extra $300 cash rebate from pre-Whatsapp registration.
Enquiry 6332 2553 (Miss Lau)
Or directly click the following Whatsapp link to register:
New HOS
6332 2553
New HOS and Green Home Ownership mortgages, interest rate P-2.25 (3.375% effective interest rate), the lowest in the city,
with a cash rebate of 2.4%. New HOS and Green Home Owners who pre-register with Whatsapp can get an additional $300 in cash rebate,
and will be directly referred to 4 HOS mortgage- banks without a third party. Customers are welcome to compare the actual rebate amount.
More than 45,000 cases have been referred by us since year 2000.
Valuation
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Real-Time Bank Mortgage Information
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2018-2022 HOS / GSH Mortgage Market Share
Kai Long Court was sold in March 2019, with a total of 683 flats, all of which have been sold out. The mortgage was registered at the Land Registry from April 15 to June 26 2019. 664 of the flats have been mortgaged by major banks.
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Hoi Lok Court was sold in March 2019, with a total of 2,522 flats, all of which have been sold out. The mortgage was registered at the Land Registry from April 16th to November 6th 2019. 2,463 of the flats have been mortgaged by major banks.
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Kwun Tak Court was sold in December 2019, with a total of 603 flats, all of which have been sold out. The mortgage was registered at the Land Registry from January 23rd to April 27th 2020. 588 of the flats have been mortgaged by major banks.
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Lai Tsui Court (Blocks 1-4), a total of 2,545 units were selected in April 2019, and all were sold out. The mortgage was registered at the Land Registry from September 16 to November 6, 2019, and 2,348 units have been sold by major Banks make mortgages.
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Choi Hing Court, from August to September 2017, a total of 1,358 units were sold, and the mortgage was registered at the Land Registry from May 7 to June 13, 2019. 1,278 units have been mortgaged by major banks .
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Ping Yan Court, from July to December 2016, a total of 2409 units were sold, and the mortgage was registered at the Land Registry from November 6 to December 20, 2018. 2293 units have been mortgaged by major banks.
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Yu Tai Court was sold from February to May 2019, with a total of 1226 units, all sold out. The mortgage information was registered at the Land Registry from December 24th 2020 to February 21st 2022. 1108 of the units have been mortgaged by major banks.
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Choi Wo Court was sold from May 31st to July 29th 2021; with a total of 806 units, all sold out. The mortgage information was registered at the Land Registry from July 9th to February 7th 2022. 790 of the units have been mortgaged by major banks.
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Shan Lai Court was sold from May 31st to September 12th 2021; with a total of 3,222 units, all sold. The mortgage information was registered at the Land Registry from December 8th 2021 to May 11th 2022. 3,075 of the units have been mortgaged by major banks.
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Sheung Man Court was sold from December 2019 to May 2020; with a total of 494 units, all sold out. The mortgage information was registered at the Land Registry from July 23rd 2020 to August 9th 2021. 450 of the units have been mortgaged by major banks.
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Yung Ming Court was sold from December 2019 to May 2020; with a total of 1395 units, all sold out. The mortgage information was registered at the Land Registry from November 12th 2020 to August 5th 2021. 1352 of the units have been mortgaged by major banks.
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Yuk Wo Court was sold from January to June 2020, with a total of 830 units, all sold out. The mortgage information was registered at the Land Registry from July 31st 2020 to September 10th 2021. 788 of the units have been mortgaged by major banks
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Kam Fai Court was sold from December 2019 to june 2020, with a total of 735 units, all sold out. The mortgage information was registered at the Land Registry from September 14th 2020 to August 11th 2021. 710 of the units have been mortgaged by major banks.
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Hoi Tak Court was sold from December 2019 to May 2020, with a total of 814 units, all sold out. The mortgage information was registered at the Land Registry from November 10th 2020 to August 5th 2021. 793 of the units have been mortgaged by major banks.
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Dip Tsui Court was sold from 29th June 2020 to 3rd January 2022, a total of 828 units were all sold out. Mortgage registration was at the Land Registry from 26th July 2022 to 13th October 2022, 643 units have been mortgaged by major banks.
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HOS 2022
The balloting ceremony of Home Ownership Scheme (HOS) Flats 2022 and White Form Secondary Market Scheme (WSM) 2022, was held on June 13th 2022. 8,926 HOS units were sold at 51% off the market price (ie: 49% off the market value), with prices ranging from HK$1.24 million to HK$5.31 million, with the downpayment as low as HK$62,000. HOS 2022 estates include Chi Wah Court in North Point, Kwan Shan Court in To Kwa Wan, Kai Yan Court in Kai Tak, On Sau Court in Kwun Tong, Chiu Ming Court in Tseung Kwan O, Yu Tak Court in Shatin and Yu Ya Court in Tung Chung. The accessible area of the units range from 186-555 Square feet.
A spokesman for the Housing Authority (HA) said, "In this phase of HOS, the HA has received a total of around 252,000 applications for HOS 2022 (assembled by around 203,000 white forms and 49,000 green forms); and around 117,000 applications for WSM 2022. Around 222,000 of the HOS 2022 application forms and 110,000 of the WSM 2022 application forms were submitted online.”
Expect to be selected in the fourth quarter of 2022
A spokesman for HA said, "Approval letters will be issued to the successful applicants for HOS 2022 and WSM 2022, the flat selection process has been planned to be carried out in the fourth quarter of 2022.
Details of flats for sale in HOS 2022
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| District | Estate | No. of Unit | Saleable |
Price (49% Off) |
Material Date | |
| North Point | Kei Wah Court | 248 | 280 to 457 ft² | $2.48 to $5.31 Million | July 31, 2024 | |
| To Kwa Wan | Kwun Shan Court | 495 | 281 to 447 ft² | $1.88 to $3.64 Million | November 30, 2024 | |
| Kai Tak | Kai Yan Court | 1,840 | 186 to 448 ft² | $1.24 to $4.79 Million | December 31, 2024 | |
| Kwun Tong | On Sau Court | 1,906 | 279 to 479 ft² | $1.53 to $3.25 Million | November 30, 2024 | |
| Tseung Kwan O | Chiu Ming Court | 594 | 283 to 461 ft² | $1.69 to $3.35 Million | September 30, 2024 | |
| Shatin | Yu Tak Court | 543 | 281 to 463 ft² | $1.74 to $3.37 Million | May 31, 2023 | |
| Tung Chung | Yu Nga Court | 3,300 | 272 to 555 ft² | $1.3 to $3.55 Million | September 30, 2022 | |
| Total : | 8,926 | |||||
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Re-sale unit:
In HOS 2022, 27 units of the Housing Society will be resold at the same time, including Tsui Ling Peak in Tseung Kwan O, Tsui Ming Terrace in Tuen Mun and Luk Yee Court in Shatin. There will also be 15 units in Choi Wo Court in Fo Tan and Shan Lai Court in Fanling in HOS 2020. The re-sale units combined with the new 8,926 units at the moment, amount to 8,968 units.
HOS Mortgage 2022 Offers:
Major banks: P - 2.25% (effective interest rate 3.375%), with a term of up to 25 years. For new HOS prospective homeowners, an additional $300 cash rebate will be given after Whatsapp registration, mortgage cash rebate 2.4%
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HOS 2021 - Details of flats sold by the Housing Authority
Selecting Home: From 31 May 2021 (Monday)
| District | Estate | No. of Block | No. of Unit | Saleable |
Price (40% Off)
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Material Date |
| Fo Tan | Choi Wo Court | 1 | 806 | 36.6 to 57 M² | 2.41M to 4.65M | Occupation documents were issued on 14 August 2020 |
| Diamond Hill | Kai Cheung Court | 2 | 940 | 27.4 to 46.6 M² | 2.18M to 4.89M | 2023/5/31 |
| Ma On Shan | Kam Chun Court | 5 | 2,079 | 28.9 to 45.9 M² | 1.89M to 3.87M | 2023/2/28 |
| Fan Ling | Shan Lai Court | 6 | 3,222 | 25.8 to 41.9 M² | 1.17M to 2.59M | 2021/11/30 |
| Total : | 7,047 | |||||
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Resale unit：
There are 95 units repossessed due to rescission of the sale and purchase agreement and resold in HOS 2020. Including 60 units of Hoi Lok Court and Yu Tai Court sold under HOS 2018, and 35 units of Hoi Tak Court, Kam Fai Court, Sheung Man Court, Yuk Wo Court and Yung Ming Court sold under HOS 2019。
Mortgage Offer：
Big banks: P - 2.5% (effective interest rate 2.5%), with a term of up to 25 years, new HOS prospective homeowners will be given priority for Whatsapp registration and can add an additional $500 cash rebate, mortgage cash rebate 1%
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HOS 2019 - Details of flats sold by the Housing Authority
Selecting Home: From 9 December 2019 (Monday)
| District | Estate | Building Block No. |
Unit | Saleable Area (ft²) |
Price (41% Off)
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Material Date |
| Ho Man Tin | Kwun Tak Court | 3 | 603 | 445 to 568ft² | 3.25 to 5.29M | 2019/9/30 |
| Cheung Sha Wan | Hoi Tak Court | 1 | 814 | 279 to 522ft² | 1.95 to 4.35M | 2020/10/31 |
| Kwai Chung | Sheung Man Court | 1 | 494 | 287 to 459ft² | 1.77 to 3.54M | 2020/6/30 |
| Tseung Kwan O | Yung Ming Court | 2 | 1,395 | 282 to 568 ft² | 1.83 to 4.55M | 2020/8/31 |
| Ma On Shan | Kam Fai Court | 1 | 735 | 276 to 455ft² | 1.56 to 3.48M | 2020/10/31 |
| Sha Tin | Yuk Wo Court | 1 | 830 | 294 to 463ft² | 1.73 to 3.36M | 2020/10/31 |
| Total : | 4871 | |||||
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Resale unit：
There are 27 units repossessed due to rescission of the sale and purchase agreement and resold in HOS 2019. Including 27 units of Ka Shun Court, Ping Yan Court,Ngan Wai Court, Ngan Ho Court and Choi Hing Court sold under HOS 2016-2017.
Mortgage Offer：
Big banks: P - 2.5% (effective interest rate 2.5%), with a term of up to 25 years, new HOS prospective homeowners will be given priority for Whatsapp registration and can add an additional $500 cash rebate
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Remortgage $5,600 (all inclusive)
New HOS Fee $8,300 - (All-inclusive, absolutely no extra charges, including attorney fees for the HA)
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HIBOR
Loan to value ratio
Residential of Completed Property
Property Value
Maximum LTV Ratio
Below or Equal HK$10.00 million
90%*
Above HK$10 million and below HK$11.25 million
80% - 90%* (subject to a loan cap of HK$9 million)
Above HK$11.25 million and below HK$12.00 million
80%*
Above or Equal HK$12.00 million and up to HK$19.2 million
50% - 80% (subject to a loan cap of HK$9.6 million)
Residential of Uncompleted Property
Property Value
Maximum LTV Ratio
Below or Equal HK$4.00 million
90%*
Above HK$4.00 million and below HK$4.50 million
80% to 90%* (subject to a loan cap of HK$3.6 million)
Above HK$4.50 million and below HK$6.00 million
80% to 90%*
Above HK$6.00 million and below HK$9.00 million
80% to 90%* (subject to a loan cap of HK$7.2 million)
Above HK$9.00 million and below HK$10.00 million
80%
Above or Equal HK$10.00 million
50%
Mortgage for non-owner occupancy or more than one property
Property Value
Maximum LTV Ratio
Below HK$7.00 million
50%
Above or Equal HK$7.00 million and below HK$10.00 million
50% (subject to a loan cap of HK$4.00 million)
Above or Equal HK$10.00 million
40%
Non-owner-occupied properties and properties held in a company
40%
More than one property mortgage
10% less according to the above ratio
Approval at asset level
Property
Maximum LTV Ratio
First Residential Property
40%
Second Residential Property
30%
Note: * Mortgage must be undertaken through the [Mortgage Insurance Plan] (MIP) (1) 80% to 90% of the mortgage applicants do not hold any residential properties in Hong Kong; (2) The applicant's income must be a fixed salary person; ( 3) Contributions cannot exceed 50% of income
Debt-to-income (DTI) Ratio
Debt-to-income (DTI) Ratio
Property
DTI Ratio Limit (Self-use)
DTI Ratio Limit (Non-self-use)
First Residential Property
50%
40%
Second Residential Property
40%
40%
Stress Test
(Based on 2% interest rate hike, Mortgage insurance plan or fixed rate mortgage below 10 million not required)
(Based on 2% interest rate hike, Mortgage insurance plan or fixed rate mortgage below 10 million not required)
Property
DTI Ratio Limit (Self-use)
DTI Ratio Limit (Non-self-use)
First Residential Property
-
50%
Second Residential Property
50%
50%
Bank Valuation
