Bank of East Asia First-Time Program

Bank of East Asia First-Time Program offers the highest loan-to-value ratio at 80% and the fastest approval in the market, completing in just 3 days. Approval requires only a simple payslip, bank statement, and employment letter—far simpler than the documentation demanded by Hang Seng First-Time Buyer. Data from April 2026 confirms this speed advantage: 80% of applicants receive a decision within 72 hours, making it the most efficient choice for first-time buyers in Hong Kong.