# Hong Kong housing and fertility policy initiatives > Live situation record from CLSTR: https://clstr.news/situations/hong-kong-housing-and-fertility-policy-initiatives > Updated: 2026-10-14T07:48:18.000Z. Sources: 4. Developments: 2. The Hong Kong government has introduced a ten-year housing supply blueprint designed to maintain a homeownership rate of approximately 60%. This plan establishes a supply ratio of 4:3:3 for public rental housing, subsidized sale flats, and private housing. To combat low birth rates, the government is linking housing support to fertility incentives. These measures include increasing mortgage financing from 90% to 95% for certain applicants with newborns, providing stamp duty concessions of up to HK$20,000, and extending newborn baby bonuses. Tax allowances for subsequent children are also set to increase starting from the 2026/27 tax year. Further efforts to bolster supply include the release of residential land in Shek Mun and the launch of the ‘Homeowner Scheme 2025’. This scheme offers nearly 7,000 subsidized sale flats across several locations, with prices ranging from HK$1.5 million to HK$4.8 million. The government has also adjusted applicant quotas to a 50:50 ratio for Green Form and White Form applicants and expects over 72,000 subsidized units to be completed within five years. ## Timeline ### 2026-10-14: Hong Kong expands housing supply through land sales and subsidized flats Hong Kong is expanding housing supply through new land sales in Shek Mun and the launch of the ‘Homeowner Scheme 2025’, which offers nearly 7,000 subsidized flats across five locations. 4 sources. https://clstr.news/cluster/hong-kong-expands-housing-supply-through-land-sales-and-subsidized-flats ### 2026-09-19: Hong Kong unveils ten-year housing blueprint and fertility incentives Hong Kong announced a ten-year housing plan with a 4:3:3 ratio for public, subsidized, and private housing, alongside new mortgage and tax incentives to encourage childbirth. 2 sources. https://clstr.news/cluster/hong-kong-unveils-ten-year-housing-blueprint-and-fertility-incentives --- Cite as: Hong Kong housing and fertility policy initiatives. CLSTR, https://clstr.news/situations/hong-kong-housing-and-fertility-policy-initiatives