Maximum Level of Loan Amount and Life-time Loan Limit
| Maximum Level of Loan Amount | |
|---|---|
| Apply for the NLSFT only (i.e. have not applied for the Tertiary Student Finance Scheme - Publicly-funded Programmes (TSFS) or have failed to obtain assistance under the TSFS) |
"Total tuition fees payable in the academic year" |
| Apply for both the TSFS and the NLSFT | "Actual tuition fees payable plus the maximum amounts of assistance for academic expenses and living expenses under the TSFS" – "The amount of financial assistance receivable under the TSFS", capped at the total tuition fees payable |
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If students would like to apply for both the TSFS and the NLSFT, please use the "Calculator" to estimate the loan amount they may receive under the NLSFT.
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A combined life-time loan limit is imposed on students eligible for receiving loans under the NLSFT and the Non-means-tested Loan Scheme for Post-secondary Students (NLSPS). The relevant limit for the 2024/25 academic year is HK$406,700.
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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.
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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 Extended Non-means-tested Loan Scheme (ENLS).