What’s New
Non-means-tested Loan Scheme for Post-secondary Students (NLSPS)

Maximum Level of Loan Amount and Life-time Loan Limit

  • If you apply for the NLSPS loans only, i.e. have not applied for / have failed to obtain any financial assistance under the FASP, the maximum amount of loan you may receive under the NLSPS is the annual tuition fees payable in the academic year.
  • If you apply for financial assistance under both the FASP and the NLSPS, the maximum financial assistance you may receive under these two schemes is capped at the annual tuition fees payable for the course under application, plus the maximum amount of assistance for academic expenses and living expenses of the FASP. If you obtain financial assistance under the FASP, the maximum amount of NLSPS loan will be up to the difference between the amount of financial assistance you may receive under the FASP and the maximum financial assistance you may receive under these two schemes, subject to the NLSPS loan maximum (equivalent to the tuition fees payable) not being exceeded.
  • With effect from the 2012/13 academic year, a combined life-time loan limit is imposed on students eligible for receiving loans under the NLSPS and the Non-means-tested Loan Scheme for Full-time Tertiary Students (NLSFT). The loan limit will be price-adjusted annually in accordance with the movement of the Composite Consumer Price Index. The combined life-time loan limit for the 2021/22 academic year is HK$384,700. Read More
  • Loan(s) disbursed from the 2012/13 academic year and onwards will be counted towards the combined life-time loan limit, which is not of revolving nature and will not be reset by any repayments.
  • Eligible students who have exhausted their combined life-time loan limit for studying courses for attaining their first degree-level study may apply to use up to HK$100,000 of their life-time loan limit under the ENLS. Such applications will be considered on a case-by-case basis. The SFO will consider factors such as whether the students are studying for their first degree-level study and the tuition fee level of the course, etc.
STEP 2 General Information

Responsibilities of Applicants & Indemnifiers