Fubon Incoming Talents Mortgage Plan

Fubon Incoming Talents Mortgage Plan

To help incoming talents and their dependents solve their housing problems and needs in Hong Kong, the " Fubon Incoming Talents Mortgage Plan" provides relevant mortgage information and services, allowing new incoming talents to easily build their ideal home in Hong Kong and achieve their home ownership plans!


- Loan amount up to 90% of the property value or appraised property value (whichever is lower) #
- Repayment period up to 30 years
- Assist in applying fire insurance for the mortgaged property
- Designated Mandarin hotline for "Fubon Incoming Talents Mortgage Plan" follow up by Mortgage Specialist directly
• (852) 6680 6091 Ms. Mak
• (852) 6971 2005 Ms. Ng
• (852) 6052 5600 Mr. Lau

#Loan amount is subject to the threshold approved by the Hong Kong Monetary Authority. The mortgage loan exceeding 80% loan-to-value ratio under “Mortgage Insurance Program” is only applicable to regular salaried first time home buyers (not holding any residential properties in Hong Kong at the time of application) with debt-to-income ratio up to 50% and subject to relevant guidelines.


Value-added Services and Privileges

Value-added Services and Privileges
- Cash rebate
- One year fire insurance* for free
- Valuation fee waiver

Promotion Terms and Conditions:
i) The amount of the cash rebate will be subjected to factors such as property type, loan amount; ii) The 2nd year of fire insurance fee will be waived when the 1st year of fire insurance is purchased from our appointed insurance company. The waiver is subject to factors such as property type, age of property, etc. The Promotion is subject to relevant terms and conditions. If you have any inquiries, please feel free to contact us.

*Zurich Insurance Company Ltd is the insurance underwriter of the above insurance plan and is authorized and regulated by the Insurance Authority. Zurich Insurance Company Ltd is solely responsible for all approvals, coverage and compensation under this policy and reserves the right of final approval and decision on such matters. Fubon Bank is the authorized insurance agency for Zurich Insurance Company Ltd, and is responsible for introduction of the insurance plans. The Plan is not the product of Fubon Bank. Fubon Bank is not responsible for any terms or obligations of the Plan.


Simple Steps of Application

Simple Steps of Application
Click here for online registration  (System Requirements Tips)
(System Requirements Tips)
- Call our Incoming Talents Mortgage Plan Hotline during office hours*
• (852) 6680 6091 Ms. Mak
• (852) 6971 2005 Ms. Ng
• (852) 6052 5600 Mr. Lau


We will serve with best effort to meet different financial needs and build your dream house.


* Monday to Friday: 9am to 6pm (Except public holidays).

To borrow or not to borrow? Borrow only if you can repay!

For various service charges for mortgage services, please click here for the List of Service Charges for Retail Banking Services.



Frequently Asked Questions

What kind of persons do “incoming talents” refer to?

Incoming talents refer to those who come to Hong Kong through the designated admission schemes, including:
1. General Employment Policy (GEP)
2. Admission Scheme for Mainland Talents and Professional (ASMTP)
3. Quality Migrant Admission Scheme (QMAS)
4. Immigration Arrangements for Non-local Graduates (IANG)
5. Technology Talent Admission Scheme (TechTAS)
6. Admission Scheme for the Second Generation of Chinese Hong Kong Permanent Residents (ASSG)
7. Top Talent Pass Scheme (TTPS)

What documents are required for incoming talents to apply for a mortgage?

Eligible incoming talents generally need to provide:
1. Identity documents;
2. Provisional sale and purchase agreement; and
3. Relevant income proof documents (details as below)

Job Nature

Generally required documents


  • 3-6 months deposited salary in bank records
  • Tax bill or tax payment certificate
  • Company contract, letter of appointment
  • Professionals: Practicing Certificate


  • Business license
  • Tax bill or tax payment certificate
  • Income from Overseas or Mainland China: capital verification report in the past year
  • Audit reports and financial statements for 1 to 2 years
  • Bank current account records for the past 6 months

What are the criteria for approving eligible incoming talents?

The approval criteria for eligible incoming talents have been aligned with those of local income earners. The applicant's " debt-to-income ratio" and "stress test" cannot exceed 50% and 60% respectively. If the property is for rental or has other mortgages, the " debt-to-income ratio" and "stress test" cannot exceed 40% and 50% respectively.
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