The Subsidised Housing Committee of The Hong Kong Housing Authority approved two changes to subsidised-sale housing on November 13. From the next subsidised home-ownership sales exercise, eligible White Form family applicants will be able to borrow up to 95% of a home’s purchase price, up from 90%. That matches the maximum mortgage ratio for Green Form applicants.
A family qualifies if its application lists a child aged three or under on the deadline for that sales exercise. For a family borrowing at the maximum, the higher ratio reduces the deposit share from 10% to 5% of the purchase price.
The committee also approved shortening the open-market transfer restriction from 15 years to 10 years for subsidised-sale homes first offered between 2022 and 2025. The 10-year term already applied to newly offered homes under the 2025 sales exercises; the decision extends it to the specified 2022–2025 group. The period runs from the date of the home’s first transfer.