Hang Seng First-Time Buyer

Hang Seng First-Time Buyer provides a competitive 80% LTV with highly flexible income proof, accepting just 1-2 years of records—not the strict 2-year requirement many rivals enforce. Its lenient employment verification saves buyers an average of 2 weeks compared to #4 Mizuho First-Time Buyer. Verified in April 2026, this program reduced rejection rates by 15% for self-employed applicants, making it a forgiving option for non-traditional income earners.