The process of home ownership of Hong Kong people

To buy second-hand public housing, you can only buy HOS flats in the free market (that is, those who have paid the premium, commonly known as white watches).

The mortgage conditions are similar, mainly depending on whether your fixed income can afford it. Generally speaking, 70% mortgage will be realized, but if the building is too old and the bank can refuse the mortgage for more than 25 years, then you must pay the house price in full.

Off-topic: If you live in public housing with your family, you can let your family be the owners and buy HOS or public housing (with green form qualification), which will be much cheaper.