Key facts
- The maximum mortgage loan-to-value ratio for White Form family applicants with newborns rises from 90% to 95%.
- All families with children aged three or below on the application form as at the application deadline qualify.
- The alienation restriction period for subsidised sale flats first put up for sale between 2022 and 2025 is cut to 10 years.
- The Housing Authority said the measures aim to help families move up the housing ladder and promote turnover of subsidised sale flats.
The Hong Kong Housing Authority said on November 13, 2026 that its Subsidised Housing Committee had approved two enhancement measures for subsidised sale flats. The first raises the maximum mortgage loan-to-value ratio for White Form family applicants with newborns from 90% to 95%, starting from the next Home Ownership Scheme sale exercise. The authority said all families with children aged three or below on the application form as at the application deadline of the relevant sale exercise will benefit.
The second measure shortens the alienation restriction period to 10 years for subsidised sale flats first put up for sale between 2022 and 2025. The authority said the restriction period for new subsidised sale flats had already been cut from 15 years to 10 years under the 2025 Policy Address, implemented from the Sale of HOS Flats 2025 and Sale of Green Form Subsidised Home Ownership Scheme Flats 2025 exercises.
A spokesman for the Housing Authority said the two measures would help more families move up the housing ladder and promote turnover of subsidised sale flats. The authority said the mortgage measure follows the Chief Executive's 2026 Policy Address, while the alienation change follows the 2025 Policy Address.