High-LTV financing can reduce the initial deposit, but it does not remove completion costs, ongoing housing expenses or affordability checks.
Green Form eligibility can include public-rental-housing households, certain Housing Society tenants and holders of a valid Green Form Certificate. The exact rules depend on the scheme, household and property-ownership conditions. Use the Housing Authority's official eligibility checker; formal approval remains with the Authority.
Before flat selection, set a comfortable price, an acceptable price and a walk-away ceiling. Then use the Green Form Mortgage Calculator to test a higher interest rate and lower household income.
Keep three separate cash pots: deposit and completion costs; essential fitting-out and moving costs; and an emergency reserve. A longer mortgage term can lower monthly payments but increase total interest and may extend repayment further into retirement.
Check current units, quotas and application arrangements on the Housing Authority's Green Form sales information page. This guide was last checked on 29 July 2026.