# Hong Kong HOS mortgage regulation updates

> Live situation record from CLSTR: https://clstr.news/situations/hong-kong-hos-mortgage-regulation-updates
> Updated: 2026-08-28T12:33:05.000Z. Sources: 7. Developments: 2.

In Hong Kong, the government has updated mortgage regulations for the Home Ownership Scheme (HOS) and Green Form properties. As of March 1, 2024, the government guarantee period for HOS, Green Form, and rental scheme units has been extended from 30 to 50 years, while maximum repayment terms have increased from 25 to 30 years.

Under these updates, Green Form buyers of new HOS units can access up to 95% mortgages, and White Form buyers are eligible for up to 90%. For secondary market HOS units without land premium payment, the maximum mortgage percentage decreases as the property ages: it remains at 95% or 90% within the first 40 years of the guarantee, drops to 80% between years 40 and 50, and reaches approximately 70% once the 50-year guarantee expires. Additionally, the debt-to-income (DTI) limit is unified at 50% of total income.

## Claims

- The PBOC and NFRA issued new opinions regarding real estate credit management. (corroborated by 2 sources)
- The maximum term for personal residential mortgages will be extended from 30 years to 40 years. (corroborated by 2 sources)
- Personal housing loans must be disbursed via entrusted payment to project company accounts or supervised escrow accounts. (corroborated by 2 sources)
- Banks are granted more autonomy to adjust repayment plans for borrowers facing temporary income loss. (single source)
- Real estate financing support policies have been extended through the end of 2026. (single source)

## Timeline

### 2026-08-28: China extends maximum mortgage terms to 40 years

Chinese regulators have introduced new real estate credit policies, including extending maximum mortgage terms from 30 to 40 years and implementing stricter loan disbursement rules to protect homebuyers.

5 sources. https://clstr.news/cluster/china-extends-maximum-mortgage-terms-to-40-years

### 2026-08-23: Hong Kong HOS mortgage guarantee extended to 50 years

Hong Kong's HOS mortgage guarantee period has extended to 50 years. Buyers should note varying mortgage caps based on property age and how banks use cap rates to assess income requirements.

2 sources. https://clstr.news/cluster/hong-kong-hos-mortgage-guarantee-extended-to-50-years

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Cite as: Hong Kong HOS mortgage regulation updates. CLSTR, https://clstr.news/situations/hong-kong-hos-mortgage-regulation-updates