Non-means-tested Loan Scheme for Post-secondary Students (NLSPS)

Overview

The Non-means-tested Loan Scheme for Post-secondary Students (NLSPS) is to complement the Financial Assistance Scheme for Post-secondary Students (FASP) to provide loans to eligible students to settle tuition fees of locally-accredited, self-financing full-time programmes at the level of associate degree, higher diploma or degree.

Maximum Level of Loan Amount and Life-time Loan Limit

Maximum Level of Loan Amount
Maximum Level of Loan Amount
Apply for the NLSPS only
(i.e. have not applied for assistance or have failed to obtain assistance under the Financial Assistance Scheme for Post-secondary Students (FASP))
"Total tuition fees payable in the academic year"
Apply for both the FASP and the NLSPS "Actual tuition fees payable plus the maximum amounts of assistance for academic expenses and living expenses under the FASP" –
"The amount of financial assistance receivable under the FASP", capped at the total tuition fees payable
  • If students would like to apply for both the FASP and the NLSPS, please use the "Calculators" to estimate the loan amount they may receive under the NLSPS.


Life-time Loan Limit
  • A combined life-time loan limit is imposed for receiving loans under the NLSPS and the Non-means-tested Loan Scheme for Full-time Tertiary Students (NLSFT). Such limit is set at HK$406,700 for the 2024/25 academic year.

  • 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 Extended Non-means-tested Loan Scheme (ENLS).