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Interest-free loan is provided to encourage private residential flat owners to carry out internal repairs and maintenance works.

Eligibility Criteria

  1. The premises shall be :
    • Building age must be of 30 years or more (according to the occupation permit)Note; and
    • Annual rateable value of the residential flat should not exceed HK$162,000 in urban areas (including Shatin, Kwai Tsing, Tsuen Wan); while not exceed HK$124,000 in other areas ; and
    • The only property owned by each applicant in Hong Kong in any form or manner directly or indirectly ; and
    • Solely or jointly owned by individuals (not owned by companies).
  2. All registered individual / joint owners of the premises must be included in the application.

Note:Excluding buildings not exceeding 3 storeys and New Territories Exempted Houses.

Content Brief

  • Each eligible applicant will be granted an interest-free loan not exceeding HK$50,000 or the total cost of approved works (whichever is lower).
  • The loan is granted for flat internal repairs and maintenance works related to safety and hygiene.
  • The loan is repayable in maximum by 36 equal monthly installments after release.