Are 100-year mortgages common in Singapore or Hong Kong?

2. What the data actually claim about loan tenors and regulatory caps — and why that matters. The Singapore market sources describe typical offerings and advertised mortgage tenors up to 30 years used by consumers and banks, focusing on product rates and HDB versus bank loans; these pages do not reference century‑long loans and treat multidecade tenors as the norm ^{[1] [2] [3]}. In Hong Kong, the Hong Kong Monetary Authority and consumer‑facing mortgage guides state practical or regulatory maximums in the 20–30 year band, and public guides list fixed‑rate products for 10–20 years, implying institutional and prudential limits on extending amortization far beyond a borrower’s working life ^{[4] [5] [6]}. Regulation and market practice therefore align to make 100‑year tenors atypical or impractical in both jurisdictions.

3. Claims that might suggest longer tenors — and the gaps in evidence. Some background context in the analyses notes that Singapore property lease structures include 99‑year state leases, which can prompt questions about financing over longer horizons; however, the provided mortgage sources do not tie lease length to the emergence of 100‑year mortgages, and no source here documents banks offering century‑long amortizations ^{[1] [5]}. The global survey and mortgage‑product roundups included cover a variety of countries and tenors but focus on short to mid‑term fixed products and 30‑year ceilings in practice; they do not supply examples or case studies of 100‑year mortgages in Singapore or Hong Kong ^{[7] [8] [9]}. This absence is material: a novel product would likely be noted in consumer or regulatory guides, yet it is not.

4. Multiple viewpoints, incentives, and what the sources emphasize or omit. Consumer comparison sites (Singapore and Hong Kong) aim to highlight competitive rates and typical tenors to help borrowers choose among mainstream products; their commercial mission incentivizes focusing on what banks actually offer rather than speculative or niche instruments, so the omission of 100‑year mortgages could reflect both absence and editorial focus ^{[1] [2] [3] [5]}. Regulatory summaries and the Hong Kong Monetary Authority material stress prudential limits and standard practice, which serve a public‑safety agenda to discourage excessively long amortizations that raise systemic risk; those sources therefore underscore why markets would not widely adopt century‑long tenors ^{[4] [6]}. The combined coverage omits any industry announcements or pilot programs for 100‑year loans, a gap that weakens any claim that they are common.

5. Bottom line and where to look next if you need absolute confirmation. Based on the material provided, there is no evidence that 100‑year mortgages are common or offered as standard products in Singapore or Hong Kong; instead, both market guides and regulatory commentary point to tenors up to about 25–30 years as typical or permitted ^{[1] [2] [3] [4] [5] [6] [7]}. If you require definitive confirmation beyond these sources, check the most recent announcements from major banks in each market and the latest circulars from the Monetary Authority of Singapore and the Hong Kong Monetary Authority, because a novel financial product would likely appear first in bank product pages and regulator notices — neither of which are present in the supplied analyses.