What are the eligibility criteria for first-time buyer 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.

What is the minimum down payment required for first-time buyers?

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.

Are there any government schemes to help first-time buyers in Hong Kong?

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.

What is the typical loan-to-value ratio (LTV) for first-time buyer home loans?

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.

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

Top 10 Most First-Time Buyer-Friendly Home Loans in Hong Kong | Top10Grid

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#1
Bank of East Asia First-Time Program
80% LTV, simple payslip + bank statement, employment letter acceptable. Fastest approval (3 days). Verified April 2026, BEA official website.
Details →
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#2
Hang Seng First-Time Buyer
80% LTV, flexible income proof (1-2 years acceptable). Lenient employment verification. Verified April 2026, Hang Seng official website.
Details →
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#3
DBS First-Time Buyer Program
80% LTV, employment letter OK (no 2-year payslip required). Young professional focus. Verified April 2026, DBS official website.
Details →
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#4
Mizuho First-Time Buyer
75% LTV, 1-year payslips only, simple underwriting. Verified April 2026, Mizuho official website.
Details →
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#5
HSBC First-Time Buyer
80% LTV, 2-year payslips required, standard documentation. Wide product range. Verified April 2026, HSBC official website.
Details →
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#6
Citi First-Time Buyer Program
75% LTV, flexible employment verification, supportive underwriting. Verified April 2026, Citi official website.
Details →
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#7
OCBC First-Time Buyer
75% LTV, standard documentation, competitive rates for first-time buyers. Verified April 2026, OCBC official website.
Details →
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#8
Bank of China First-Time Program
75% LTV, conservative underwriting, 2-year payment history required. Verified April 2026, BOC official website.
Details →
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#9
Standard Chartered First-Time Buyer
70% LTV, strict debt-to-income ratio, detailed documentation. Premium support. Verified April 2026, SC official website.
Details →
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#10
UOB First-Time Buyer Program
75% LTV, moderate documentation, moderate approval timeline. Verified April 2026, UOB official website.
Details →

0
#1
Bank of East Asia First-Time Program
80% LTV, simple payslip + bank statement, employment letter acceptable. Fastest approval (3 days). Verified April 2026, BEA official website.
Details →
0
#2
Hang Seng First-Time Buyer
80% LTV, flexible income proof (1-2 years acceptable). Lenient employment verification. Verified April 2026, Hang Seng official website.
Details →
0
#3
DBS First-Time Buyer Program
80% LTV, employment letter OK (no 2-year payslip required). Young professional focus. Verified April 2026, DBS official website.
Details →
0
#4
Mizuho First-Time Buyer
75% LTV, 1-year payslips only, simple underwriting. Verified April 2026, Mizuho official website.
Details →
0
#5
HSBC First-Time Buyer
80% LTV, 2-year payslips required, standard documentation. Wide product range. Verified April 2026, HSBC official website.
Details →
0
#6
Citi First-Time Buyer Program
75% LTV, flexible employment verification, supportive underwriting. Verified April 2026, Citi official website.
Details →
0
#7
OCBC First-Time Buyer
75% LTV, standard documentation, competitive rates for first-time buyers. Verified April 2026, OCBC official website.
Details →
0
#8
Bank of China First-Time Program
75% LTV, conservative underwriting, 2-year payment history required. Verified April 2026, BOC official website.
Details →
0
#9
Standard Chartered First-Time Buyer
70% LTV, strict debt-to-income ratio, detailed documentation. Premium support. Verified April 2026, SC official website.
Details →
0
#10
UOB First-Time Buyer Program
75% LTV, moderate documentation, moderate approval timeline. Verified April 2026, UOB official website.
Details →

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Current Rankings

Bank of East Asia First-Time Program

Hang Seng First-Time Buyer

DBS First-Time Buyer Program

Mizuho First-Time Buyer

HSBC First-Time Buyer

Citi First-Time Buyer Program

OCBC First-Time Buyer

Bank of China First-Time Program

Standard Chartered First-Time Buyer

UOB First-Time Buyer Program

Current Rankings

Bank of East Asia First-Time Program

Hang Seng First-Time Buyer

DBS First-Time Buyer Program

Mizuho First-Time Buyer

HSBC First-Time Buyer

Citi First-Time Buyer Program

OCBC First-Time Buyer

Bank of China First-Time Program

Standard Chartered First-Time Buyer

UOB First-Time Buyer Program

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Bank of China First-Time Program

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UOB First-Time Buyer Program

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