Green Form GSH Mortgage Calculator | Eligibility Pre-check
Check the applicant route, tenancy or certificate status and residential-property restriction before estimating a deposit, repayment and cash cost at up to 95% LTV.
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Step 1
Green Form eligibility pre-check
A private, five-question route screen. It does not collect names, identity numbers or addresses, and it is not Housing Authority approval.
Examples needing special care include conditional tenancies, some Express Flat Allocation tenancies within three years, tenancy enforcement, a certificate not valid for GSH, company or estate interests, and previous subsidised-home ownership.
Preliminary result
More information is needed
One or more answers are uncertain. Use the official checker or ask the estate office before relying on this route.
Five checks
Recognised Green Form route
Other / not sure
Applicant aged 18 or above by the deadline
Needs verification
Required household members and Hong Kong entry rights
Needs verification
Tenancy, certificate or agreement status
Needs verification
Hong Kong residential-property restriction
Needs verification
Rules checked on 20 August 2026. A Green Form route does not use one universal income-and-asset limit: some certificate routes retain the rules of the scheme that issued the certificate.
Step 2
Test the deposit, repayment and cash cost
GSH mortgage inputs
- Use the pre-check above first. A PRH allocation by itself should not be treated as approval; the relevant tenancy or GSH-specific certificate must be valid.
- There is no single income-and-asset limit for every Green Form route. Check the current booklet for household composition, property ownership and any certificate-specific assessment.
- Green Form buyers can generally borrow up to 95% without mortgage insurance or the private-home interest-rate stress test. Uncompleted-premium units usually use a P-rate mortgage.
Monthly repayment
Loan amountHK$2,375,000 · Down paymentHK$125,000
Current debt-to-income ratio
50% planning warning line
Total interest
Stamp duty
Tax rate 0.00%
Total cost of buying
Includes down payment, taxes and repayments (no mortgage insurance)
Loan-to-value (LTV)
Government-guaranteed, up to 95% LTV
Estimated mortgage insurance premium
GSH exempt from mortgage insurance
Estate-agent commission
HA first sale defaults to zero; enter an actual secondary-market rate
Affordable property price based on income:With monthly income of HK$40,000 and a 50% debt-to-income ratio, maximum loan is aboutHK$3,995,018, corresponding to a property price of aboutHK$4,205,282.
The entered property price is affordable, but remember to set aside funds for renovation, management fees and maintenance reserves.
GSH mortgages are generally government-guaranteed and do not require separate mortgage insurance; the HKMA interest-rate stress test is also suspended. This scenario is at or below a 50% debt-to-income ratio, but the bank must still assess income, credit, term and the individual case.
Compare how the remaining principal, cumulative principal repaid and cumulative interest change over time to see the impact of compounding on total cost.
Green Form tips:Green Form buyers can borrow up to 95% LTV, so the down payment hurdle is low, but still budget for stamp duty, legal fees, renovation and management fees. Uncompleted-premium units generally use prime-rate mortgages, and resale is restricted. Decide based on long-term owner-occupation needs.
Green Form GSH mortgage calculator: eligibility first
This Green Form GSH mortgage calculator pre-checks eligibility before estimating the instalment. Green Form eligibility is not one income number. Common routes include a Hong Kong Housing Authority public-rental tenant, a qualifying Hong Kong Housing Society Category A or elderly-housing tenant, a holder of a valid Green Form Certificate that applies to the GSH sale, and an eligible Elderly Rent Allowance Scheme beneficiary. A public-housing allocation alone should not be treated as approval; the relevant tenancy or certificate must be valid under the current exercise.
The tenancy type, certificate purpose, household members and previous subsidised-home ownership can all matter. Conditional tenancies, some Express Flat Allocation tenancies within their first three years, tenancy enforcement and a certificate that is not valid for GSH need closer checking. A simple online screen cannot decide spouse, household-member or documentary exceptions.
The residential-property restriction depends on the applicant route. HA and relevant HS tenants and some certificate categories generally need to check Hong Kong residential-property interests from 24 months before the application deadline until the agreement for sale and purchase. Company, estate and land interests may also need disclosure. Use the current sales booklet for the precise period, scope and exceptions.
This page gives a conservative five-question screen covering the route, age, household, document status and property restriction before estimating the deposit and repayment. Green Form routes do not all share one income-and-asset ceiling; some certificate routes retain the issuing scheme's assessment. The mortgage section models up to 95% LTV and defaults estate-agent commission to zero for a Housing Authority first sale. Formal eligibility and lending approval remain with the relevant authorities and bank.
Related guide
Green Form HOS & GSH Mortgage Guide: 95% LTV, Down Payment & Income Check
Learn about Green Form 95% maximum LTV, Housing Authority guarantees, no MIP requirement and P-rate mortgage calculations.
Read the guideData status
GSH eligibility criteria checked on 20 August 2026; mortgage and stamp-duty figures use current data
Applicant routes, household and residential-property restrictions follow Housing Authority GSH criteria, the current booklet and official checker.
Eligibility answers, price, rate, term, income and actual agency commission are user inputs; the mortgage is a scenario estimate.
Does not verify certificates, household or spouse exceptions, company or estate interests, previous subsidised housing, bank approval or final HA eligibility.
2026-08-20: Added a five-check eligibility screen, corrected the income-and-asset explanation and set HA first-sale agency commission to zero.
References
- 1HOS, GSH and WSM eligibility checker(Hong Kong Housing Authority)
- 2GSH eligibility criteria(Hong Kong Housing Authority)
- 3GSH general sales information(Hong Kong Housing Authority)
Site data last reviewed: 2026-08-09 · The sources above are for reference only; please refer to the latest official announcements from the relevant organisations.
Think a figure, rule or source needs updating? Report this pageFAQs
What does the Green Form mortgage calculator estimate?
Who can apply for GSH with Green Form status?
Is there one income and asset limit for every Green Form applicant?
Does owning a home within 24 months always disqualify an applicant?
Does this pre-check approve Green Form eligibility?
What is the maximum Green Form mortgage LTV?
Can an uncompleted-premium GSH flat use a HIBOR mortgage?
Is estate-agent commission payable on an HA first sale?
A useful scenario to try
Do not test only the maximum LTV; compare 25- and 30-year terms and total interest.
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Client-side only: All data is calculated on your device and is not uploaded to any server. Results are for reference only and do not constitute professional financial or legal advice.