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Premium Loan Guarantee Scheme


The Hong Kong Mortgage Corporation Limited ("HKMC") launched the Premium Loan Guarantee Scheme ("PLGS") in 2010, with the aim to complement the Government’s initiative on revitalising the Home Ownership Scheme.  The PLGS was later extended to cover the Flat-For-Sale Scheme operated by the Hong Kong Housing Society ("HS") as well.


The PLGS serves as a market-based solution aimed at providing an alternative platform for the flat owners to finance their premium payment to the Hong Kong Housing Authority ("HA") or HS via creation of a second mortgage loan, i.e. the premium loan, with their first mortgagee banks in addition to their first mortgage loans. The flat owners can then repay the premium loan by instalments to banks. 




If you have any enquiry, please contact the HKMC for more information.


Programme Hotline : 2536 0372

Programme Enquiry :