Mortgage application documents checklist

While application approval time may vary case by case, one of the key factors affecting this is the timely submission of supporting documents.

Read through our checklist to ensure you have all the documents you need to apply for a mortgage.

Please note, this list is not exhaustive. We may ask you to submit other supporting documents that may be relevant to your mortgage application.

Documents needed for a mortgage application

There are different types of mortgage applications. Take a look at which one is relevant to you to find out what documents you'll need.

For all mortgage applications

In addition to standard documents above, further documentation is needed for the followings:

For all mortgage applications

When applying for a mortgage, you’ll need to provide:

your Hong Kong Identity Card or valid passport
Provisional Agreement for Sale and Purchase (PASP) and attachment (for newly purchased property)
existing mortgage details (if applicable) (for example related loan repayment schedule, loan agreement, offer letter)
tenancy agreement (if applicable)
income proof[@mortgage-incomeproof]

Proof of income requirements
HSBC regular salaried payroll customer	Non-HSBC regular salaried payroll customer	Any irregular salaried or self-employed customer
Your payroll account record with us is automatically incorporated in the mortgage application assessment	Latest 3 months’ bank passbook or statements (full set) evidencing your income	1. Latest 6 months’ bank passbook or statements (full set) evidencing your income 2. Tax demand notes or latest 6 months’ salary payroll advice

Proof of income requirements
HSBC regular salaried payroll customer	Your payroll account record with us is automatically incorporated in the mortgage application assessment	Your payroll account record with us is automatically incorporated in the mortgage application assessment
Non-HSBC regular salaried payroll customer	Latest 3 months’ bank passbook or statements (full set) evidencing your income	Latest 3 months’ bank passbook or statements (full set) evidencing your income
Any irregular salaried or self-employed customer	1. Latest 6 months’ bank passbook or statements (full set) evidencing your income 2. Tax demand notes or latest 6 months’ salary payroll advice	1. Latest 6 months’ bank passbook or statements (full set) evidencing your income 2. Tax demand notes or latest 6 months’ salary payroll advice

For government housing schemes

When applying for a government housing scheme mortgage, you’ll need to provide:

the original Home Ownership Scheme (HOS) or Green Form Subsidised Home Ownership Scheme (GSH) Agreement and the respective Official Receipt for the deposit (for HOS/GSH)
Nomination Letter and Nomination Fee Receipt by Housing Authority
Certificate of Eligibility to Purchase by Housing Authority (for mortgage under Secondary HOS Market Scheme)
Certificate of Eligibility for Sale from Seller (for mortgage under Secondary HOS Market Scheme)
Letter of Offer issued and approved by Housing Authority (for Tenants Purchase Scheme)

For refinancing

When refinancing your existing mortgage, you’ll need to provide:

proof of latest mortgage loan outstanding principal balance with existing mortgage bank or financial institution
6-month repayment record of the mortgage loan from existing mortgage bank
Consent Letter by Housing Authority (for government subsidised schemes)

For self-employed applicants

If you’re self-employed and without regular income, you’ll also need to provide your:

latest profits tax demand note issued by the Hong Kong Inland Revenue Department; or
latest audited financial statements including Statements of Profit and Loss and Balanced Sheet of the business
Business Registration Certificate

For applications under Shell Company registered in Hong Kong

With this type of application, you’ll need to provide:

Hong Kong Identity Card or valid identity proof of all company shareholders/directors (all shareholders have to be the guarantors)
Certificate of Incorporation
Business Registration Certificate
Minutes of Meeting (for limited company)

Additional mortgage application documents

Your mortgage application also includes the following forms and documents.

Deposit-linked Mortgage Repayment Plan enrolment form

With an HSBC Deposit-linked Mortgage Repayment Plan, you can designate a savings account to enjoy a preferential interest rate for your deposit that’s the same as your mortgage rate, up to 50% of your outstanding mortgage loan. The interest return you earn monthly can help offset your mortgage interest expense.

Learn more: Interest saving tips: Earn high interest with your mortgage and offset interest expenses

Credit reference consent form

You're invited to provide consent to the bank to use or contribute your mortgage data with credit reference agencies for credit assessment.

Consent to subscribe to the Land Registry’s e-Alert Service for banks

With your consent, the bank will be notified when further charge or mortgage documents relating to the properties mortgaged to the bank are lodged for registration with the Land Registry.

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