HOS 2025 White Form income and asset limits

Check your household figures

Enter totals for everyone on the application. Work out assessable monthly income using the notes below. All figures are in Hong Kong dollars and stay in this browser.

Which months count towards income?

For a fixed salary, start with April 2026 basic pay. Normally average overtime, allowances and non-year-end commissions across November 2025 to April 2026. Spread year-end bonuses and double pay across May 2025 to April 2026. Deduct eligible mandatory retirement contributions as specified in the application guide.

Example for one applicant employed throughout: April basic pay HK$28,000, six months of overtime totalling HK$3,600, a full-year bonus of HK$24,000 and average eligible monthly contributions of HK$1,400 over six months. With no other income, assessable monthly income is HK$28,000 + HK$600 + HK$2,000 − HK$1,400 = HK$29,200, or HK$800 below the limit.

Include income earned by listed household members under 18. Appendix A gives separate instructions for shorter employment periods, self-employment, employer accommodation and variable earnings.

Which date applies to assets?

Use bank balances on 29 April 2026, including overseas accounts. For property, use the value on that date less the outstanding mortgage, counting the share owned. Hong Kong residential ownership restrictions apply separately. Net assets must be declared again at flat selection, including money set aside for the deposit.

Sources and scope

Based on the Housing Authority’s HOS 2025 sale information and White Form application guide, checked on 11 November 2026. Limits are specific to each sale exercise. This comparison covers the two financial limits. The Authority separately assesses residency, household composition, home ownership, previous housing subsidies and other conditions.

• Housing Authority: eligibility, limits and dates
• White Form application guide and Appendix A (PDF)