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Realise your home ownership goal with ease

Register via our online form now to join the Hospital Authority Enhanced Home Loan Interest Subsidy Scheme

Hospital Authority Enhanced Home Loan Interest Subsidy Scheme

Apply with us now to enjoy a suite of fabulous and exclusive staff privileges

Mortgage loan

  • Staff Loan: 48x of monthly salary, capped at HKD6 million
  • Bank Loan: Up to 70% of net property value^
  • Total loan amount up to 90% of net property value

Interest rate

  • Staff Loan:  1% p.a. interest rate (if the Market Rate is less than 4% p.a.) or the difference between the Market Rate applicable to the Enhanced HLISS and HA subsidy cap of 3% p.a. (if the Market Rate exceeds 4% p.a.)
  • Bank Loan: Enjoy a preferential interest rate and additional cash rebate

Loan tenor

  • Staff Loan: Up to 20 years
  • Bank Loan: Up to 30 years

Preliminary mortgage consultation service

Free valuation and preliminary assessment service#

To understand your own affordability and manage your budget better before making the purchase decision

^subject to related guidelines issued by the Hong Kong Monetary Authority

*The cash rebate is subject to the prevailing promotional offers provided by the bank

# The banking product(s), service(s) and promotional offers mentioned above are subject to the respective eligibility, application process and terms and conditions or other banking agreement. For details, please contact the Bank’s staff.

A dedicated and professional Mortgage Master team
In person Via our hotline
• Branches all over Hong Kong Island, Kowloon and New Territories for your convenience
• Arrange meetings with you at your preferred location to explain the plan in details*
• Check out more branch locations at sc.com/hk/atm-branch-locator		 Mortgage Hotline (852)2886-8855
available from Monday to Saturday;
9am to 8pm

* There are related regulations on meeting locations
Please contact our Mortgage Master or send email to HAStaff.Mortgage@sc.com for more details

A series of comprehensive bank offers for the Bank Loan

Deposit Linked Mortgage

  • Enjoy the flexibility of choosing either Prime or HIBOR rate as the basis for interest rate calculation
  • Deposits in mortgage deposit linked account will be entitled to the same interest rate as your Bank Loan.

Home BonusPack

Simply drawdown the Bank Loan and sign up for Home BonusPack, you will enjoy our year-round privileges on banking plans based on the outstanding amount of your Bank Loan.

Sustainable Payroll Account

By opening the account, you can contribute to sustainable development and enjoy an additional cash rebate* and a preferential HKD savings rate.

360⁰ Rewards

Being our Priority Banking client with a qualified Standard Chartered credit card, you will be entitled to the 360⁰ Rewards loyalty program.

Green Mortgage Plan

Deposit Linked Mortgage with deposit cap up to 60% of mortgage loan outstanding balance for the first 3 years and an additional cash rebate*.

Mortgage Asia Miles Reward

Based on the subsidy entitlement, you can choose to receive the subsidy in Asia Miles, cash or a combination of both

*The cash rebate is subject to the prevailing promotional offers provided by the Bank

Application form for Hospital Authority Enhanced Home Loan Interest Subsidy Scheme

All the above offers are subject to relevant terms and conditions

To borrow or not to borrow? Borrow only if you can repay!