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E. Building Maintenance Grant Scheme for Needy Owners

In order to offer financial assistance to needy owner-occupiers to repair and maintain their self-occupied flats and common areas, and to maintain building safety, the Government introduced the Building Maintenance Grant Scheme for Needy Owners (BMGSNO). The BMGSNO provides a maximum grant of $80,000 for each eligible needy owner-occupier.


The basic criteria for the BMGSNO are as follows:


  • The applicant must be a holder of a valid Hong Kong Identity Card;
  • The applicant must be the owner of a residential flat in a private domestic building or composite building;
  • The applicant and his/her spouse (if married) must be residing in the subject property;
  • The applicant must fulfill any one of the following criteria:
            i.    Aged 60 or above who complies with the income and asset limits; or
            ii.    Recipient of Old Age Living Allowance (OALA); or
            iii.    Recipient of Comprehensive Social Security Assistance (CSSA); or
            iv.    Recipient of  Disability Allowance (DA) who complies with the income and asset limits; and
  • The applicant must not be undischarged bankrupt.

Income and Asset Limits


For applicant aged 60 or above:


Monthly Income Limit

Asset Limit








For applicant receiving Disability Allowance:

Household Size Monthly Income Limit Asset Limit
1 $12,800 $266,000
2 $19,430 $360,000
3 $24,410 $469,000
4 $30,950 $548,000
5 $36,890 $609,000
6 $40,840 $659,000
7 $46,770 $703,000
8 $52,310 $737,000
9 $57,710 $815,000
10 or above $62,980 $878,000

Use of the Grant

The Grant can be used not only for building safety related to maintenance works in the building’s common areas, but also in the applicant’s residential flat. Common examples include:


  • Improvements to structural aspects of the building: e.g. repair to loose, cracked, spalled or otherwise defective concrete;
  • Improvements related to the safety of the external elevations of the building: e.g. repair to defective rendering or mosaic tiles;
  • Repair or replacement of defective windows;
  • Removal of unauthorized building works or illegal rooftop structures;
  • Repair, maintenance or replacement of lifts, fire services installations and equipment, electrical wiring, gas risers, defective waste pipes, soil pipes, rainwater pipes, fresh water pipes, vent pipes or underground drainage; or
  • Repair of waterproofing membranes on rooftops and flat roofs, or works to alleviate water seepage problems.


Applicants can also use the Grant to repay their outstanding loan with the Government in relation to building maintenance (e.g. the Building Safety Loan Scheme or the Home Renovation Interest-free Loan), and/or de-register the relevant legal charge/charging order.