Foreigners Buying Property in Hong Kong 2025: A Complete Guide to Mortgage Application
If I only hold identity from Singapore, the UK, or Australia and want to buy property in Hong Kong, can I apply for a mortgage from a Hong Kong bank? The answer is yes. In the past, foreigners purchasing property in Hong Kong had to reduce the mortgage amount by 10%. However, in 2024, mortgage measures have been relaxed, and income requirements have also been eased. The mortgage amount is now on par with that of Hong Kong residents, making property investment for rental purposes in Hong Kong even more attractive. Foreigners can also apply for mortgages in Hong Kong. This article breaks down the mortgage ratios, income requirements, and various mortgage details.
LTV Ratios for Foreigners
Currently, regardless of whether it is residential property, industrial buildings, office spaces, or shops, the maximum mortgage ratio is uniformly set at 70%.
Income Requirements for Foreigners Applying for Mortgages
The income requirements for foreigners applying for mortgages are relatively simple. They only need to meet the basic Debt-to-Income (DTI) requirement, meaning that monthly repayments should not exceed 50% of monthly income.
Stamp Duty Table for Foreigners Buying Property in Hong Kong
The following is the stamp duty (AVD) calculated based on property sale prices:
Sale Price Stamp Duty (AVD)
| Sale Price | Stamp Duty (AVD) |
| 2,000,000 | 100 |
| 3,000,000 | 100 |
| 4,000,000 | 60,000 |
| 4,500,000 | 67,500 |
| 5,000,000 | 112,500 |
| 5,500,000 | 123,750 |
| 6,000,000 | 135,000 |
| 6,500,000 | 185,000 |
| 7,000,000 | 210,000 |
| 7,500,000 | 225,000 |
| 8,000,000 | 240,000 |
| 8,500,000 | 255,000 |
| 9,000,000 | 270,000 |
| 9,500,000 | 320,000 |
| 10,000,000 | 370,000 |
| 12,000,000 | 450,000 |
| 15,000,000 | 562,500 |
| 20,000,000 | 750,000 |
| 30,000,000 | 1,275,000 |
Basic Document Requirements for Foreigners Applying for Mortgages in Hong Kong
- Local identification documents
- Local tax clearance certificate
- Local income documents
- Bank statements showing income for more than 3 months
- Employment contract
Maximum Loan Repayment Period
The repayment period for mortgages for foreigners can be up to 30 years.
Many banks accept mortgage applications from foreigners. If you want to compare different banks' mortgage offers, please fill out the form below to contact our mortgage specialists.
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