Home Financing Scheme (HFS)

HFS is provided to eligible officers on or above Point 34 of the Master Pay Scale (MPS) or equivalent as a condition of service. A 50% accountable monthly allowance is payable for a maximum period of 120 months to repay mortgage of a residential property in Hong Kong.

A downpayment loan is also available for officers appointed on permanent and pensionable terms and is repayable with interest over ten years.

Home Purchase Scheme (HPS)

HPS is provided to eligible officers below Point 34 of MPS or equivalent according to a quota system. A fully accountable monthly allowance is payable for a maximum period of 120 months to repay mortgage of a residential property in Hong Kong.

A downpayment loan is also available for officers appointed on permanent and pensionable terms and Model Scale 1 staff and is repayable with interest over ten years.

Non-departmental Quarters (NDQ)

NDQ is provided to eligible local officers on or above Point 45 of MPS or equivalent or overseas officers who are offered appointment before 1 October 1990 as a condition of service.

Officers are required to pay 7.5% of salary as rent to the Government.

Private Tenancy Allowance (PTA)

PTA is provided to eligible local officers on or above Point 34 of MPS or equivalent or overseas officers who are offered appointment before 1 October 1990 as a condition of service.

A fully accountable monthly allowance is payable for renting private accommodation in Hong Kong. Officers are required to pay 7.5% of salary as rent to the Government.