The corporation may develop subsidy programs for its bond issues to enable certain eligible borrowers whose family income, earned during the most recent calendar year preceding the date of application for an eligible loan, does not exceed eighty per cent of median income for a family of four in the State, as adjusted for family size, to qualify for an eligible loan subject to such other terms, conditions and covenants as may be prescribed by the corporation.
Haw. Code R. § 15-161-59