Author
Bowtie Team
Updated on
2026-07-29
The Hong Kong Housing Authority (HKHA) has officially announced the sales details for the latest batch of Home Ownership Scheme (HOS) flats! Although commonly referred to by the public as “HOS 2026”, the official name is the “Sale of Home Ownership Scheme Flats 2025” (HOS 2025). In a groundbreaking move, this phase of HOS is launched concurrently with the Green Form Subsidised Home Ownership Scheme (GSH) and the White Form Secondary Market Scheme (WSM) under a streamlined “One Application, Three Schemes” mechanism. It also introduces multiple policy enhancements, including extra ballot numbers for “youths” and “repeatedly unsuccessful applicants.” If you are looking to get on the property ladder, read on to understand the latest application eligibility, income limits, and the list of estates!
Latest News & Application Schedule for HOS 2025
The current “HOS 2025”, together with “GSH 2025” and “WSM 2025”, will be open for applications concurrently from April 30 to May 20, 2026. This marks the HKHA’s first introduction of a streamlined “One Application, Three Schemes” mechanism, allowing eligible applicants to participate in the ballots of three subsidised housing schemes using a single application form, which greatly simplifies the application process.
Important dates for HOS 2025:
-
Application Period: 8:00 AM on April 30, 2026 to 7:00 PM on May 20, 2026
-
Ballot Drawing: Q2 2026
-
Flat Selection: Q3/Q4 2026 (HOS expected in Q4, GSH in Q3 or Q4)
(Note: The government has reserved 2,000 units for owners of Wang Fuk Court in Tai Po affected by the fire to select flats with priority through a “Special Sales Scheme.” After this deduction, around 6,900 new HOS flats will remain available for Green and White Form applicants.)
List & Price Comparison of 5 New HOS 2025 Estates
This phase of HOS launches 5 brand-new estates located in Kai Tak, Tseung Kwan O, Kam Tin, Tung Chung, and Ping Shan, providing a total of over 7,100 units. All units are priced at a 30% discount from the market value, with prices ranging from $1.5 million to $4.8 million. Assuming a 5% minimum down payment for Green Form applicants, you can get on the housing ladder for as low as $75,000.
|
Estate Name |
District |
Total Units |
Saleable Area (sq. ft.) |
Estimated Price Range (70% Market Value) |
Minimum GF Down Payment (5%) |
Estimated Material Date |
|---|---|---|---|---|---|---|
|
Kai Yeung Court |
Kai Tak (Urban) |
1,840 |
281 – 490 |
$2.19M – $4.8M |
Approx. $109,500 |
End of Oct 2028 |
|
Ying Fai Court |
Tseung Kwan O |
1,628 |
283 – 560 |
$1.68M – $4.23M |
Approx. $84,000 |
End of Dec 2028 |
|
Wui Hei Court |
Kam Tin |
960 |
281 – 449 |
$1.8M – $3.45M |
Approx. $90,000 |
End of Aug 2027 |
|
Long Fung Court |
Ping Shan, Yuen Long |
1,870 |
294 – 507 |
$1.69M – $3.39M |
Approx. $84,500 |
Mid/End of 2028 |
|
Yu Fung Court |
Tung Chung |
(TBC) |
(TBC) |
From approx. $1.5M |
Approx. $75,000 |
(TBC) |
Note: The actual number of units available for Green and White Form applicants is subject to the deduction of the quota reserved for Wang Fuk Court owners (e.g., 750 units are reserved at Kai Yeung Court). Final prices and unit numbers of each estate will be subject to the HKHA’s sales brochures.
Brief Review of Estate Features
-
Kai Yeung Court (Kai Tak): The only urban railway project in this phase, renowned as the “king of estates.” It is close to Sung Wong Toi MTR Station and Kai Tak Sports Park. Some high-floor east-facing units even offer sea views, suitable for buyers with a larger budget seeking urban prestigious school nets.
-
Ying Fai Court (Tseung Kwan O): Located on Ying Yip Road, it offers the largest 560 sq. ft. three-bedroom units in this batch. Although it is further from Hang Hau Station, some units enjoy sea views of Silverstrand in Sai Kung, making it ideal for large families or those needing an upgrade.
-
Wui Hei Court (Kam Tin South): Close to Kam Sheung Road Station with convenient transport links. It has the shortest pre-sale period (completed in August 2027), suitable for buyers eager to move in quickly.
6 Latest Policies of HOS 2025
To encourage homeownership among youths and assist applicants who have repeatedly failed in ballots, the HKHA has implemented several major policy enhancements this phase. These adjustments significantly change the rules for balloting and flat selection:
-
Green and White Form Quota Ratio Adjusted to 50:50 Previously, the quota ratio for Green Form and White Form was 40:60. Starting this phase, it is officially adjusted to an equal half, providing Green Form families with more opportunities to purchase HOS flats.
-
“Youth Scheme” Grants an Extra Ballot Number To assist youth in buying homes, White Form youth families and youth one-person applicants aged below 40 will be allocated an extra ballot number, doubling their chances. In addition, 2,000 WSM quotas this phase are specifically allocated to youth applicants under 40.
-
“Repeatedly Unsuccessful Applicants” Get an Extra Ballot Number If an applicant failed to purchase a subsidised housing flat in the last two consecutive sale exercises of the same type (HOS and GSH are counted separately), they will be allocated an extra ballot number this time to safeguard the chances of unsuccessful applicants.
-
700 Exclusive Quotas for Single Applicants Apart from the priority quotas for “Families with Elderly Members” and “Families with Newborns,” a special quota of 700 HOS flats (about 10% of newly launched units) is reserved for one-person applicants this phase, giving single individuals a reasonable chance to choose their desired units.
-
Alienation Restriction Period Shortened to 10 Years The restriction period for selling newly launched HOS flats on the open market has been significantly shortened from 15 years from the date of first assignment to 10 years, increasing flexibility for owners to upgrade their properties in the future.
-
Mortgage Guarantee Period Extended to 50 Years The HOS mortgage guarantee period has been extended to 50 years. This means buyers can more easily apply for mortgages up to 90% (White Form) or 95% (Green Form) from banks and opt for a repayment period of up to 30 years, substantially reducing monthly repayment pressure.
HOS Application Eligibility & Latest Income and Asset Limits
To apply for HOS flats, applicants must meet specific eligibility and income requirements based on their application category. Applications are primarily divided into “Green Form” and “White Form”:
-
Green Form Applicants: Primarily current public rental housing (PRH) tenants or holders of a valid “Green Form Certificate”. Green Form applicants are not subject to income and asset limits, but they must surrender their current PRH units.
-
White Form Applicants: Primarily tenants living in private housing or Hong Kong residents living with family members without owning any property. White Form applicants must meet the income and asset limits set by the HKHA and must not have owned any residential property in Hong Kong within 24 months before the application deadline.
Latest White Form Income & Asset Limits for HOS 2025/26
The HKHA has updated the White Form income and asset limits for this phase. Even if you exceeded the limits previously, you might now be eligible under the new standards:
|
Family Size |
Monthly Income Limit (After MPF Deduction) |
Asset Limit |
|---|---|---|
|
1-Person Applicant |
$30,000 |
$615,000 |
|
Family Applicant (2 persons or more) |
$60,000 |
$1,230,000 |
Points to note:
-
MPF Deduction: When calculating income, the HKHA allows the deduction of statutory Mandatory Provident Fund (MPF) contributions (up to 5% of monthly salary, capped at $1,500). In other words, if a single applicant’s actual monthly salary is $31,500, it becomes $30,000 after deducting the $1,500 MPF, perfectly meeting the requirement. However, voluntary contributions cannot be deducted.
-
Asset Calculation: Assets include deposits, stocks, funds, vehicles, and overseas properties. The value of all assets is determined as of the application deadline.
Flat Selection Priority (Elderly / Newborns Schemes)
The flat selection priority directly determines your chances of buying a desired unit, especially for large units or urban estates. The priority order for White and Green Form applicants this phase is roughly as follows:
-
Families Affected by Clearance Programmes: Possess absolute priority.
-
“Priority Scheme for Families with Elderly Members” and “Families with Newborns Flat Selection Priority Scheme”: These families get priority in flat selection. The HKHA has set a combined quota of 2,800 HOS flats (about 40% of the total) for these two schemes this phase. “Families with Newborns” refers to families with a baby born on or after October 25, 2023, and the baby is still under 3 years old on the application deadline.
-
Other Core Families: Includes general families such as spouses, and parents with children.
-
Non-Core Families: Such as families comprising siblings living together.
-
One-Person Applicants: Placed last, but protected by 700 exclusive quotas this phase.
Frequently Asked Questions
When is the HOS 2025 application period?
The current HOS will be open for applications from 8:00 AM on April 30, 2026 to 7:00 PM on May 20, 2026. The balloting is expected to take place in Q2 2026, and flat selection will begin in Q3 or Q4 2026.
What is “One Application, Three Schemes”?
It is a streamlined application arrangement introduced by the HKHA for the first time. Eligible applicants only need to fill out one application form to participate simultaneously in the ballots for HOS 2025, GSH 2025, and WSM 2025, simplifying the process and increasing their chances.
What are the new policies helping youths to buy homes this year?
The HKHA has launched a new “Youth Scheme.” White Form youth families and single youth applicants under 40 will be allocated an extra ballot number during the draw. Additionally, WSM 2025 has set aside a dedicated quota of 2,000 for youth applicants under 40.
What are the new arrangements for those who failed two consecutive HOS ballots?
For “repeatedly unsuccessful applicants,” if they failed to purchase a subsidised flat in the last two consecutive sale exercises of the same type (HOS and GSH are counted separately), they will be allocated an extra ballot number in this application to safeguard their chances.
What is the income limit for White Form single applicants applying for HOS?
Under the latest 2026 regulations, the monthly income limit for White Form one-person applicants is $30,000 (after deducting statutory MPF contributions), and the asset limit is $615,000.
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