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Home > Personal Banking > Mortgage > Mortgage Plans Overview
Section Arrow Mortgage Plans Overview
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By capitalizing on our experience in mortgage services, Bank of China (Hong Kong)'s professional mortgage team can tailor make a lending solution that best meets your financial needs and goals.
BulletWide range of mortgage plans
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Grey Line Red Arrow Wide range of mortgage plans
Preferential Mortgage Plan: High loan amount with long repayment period, preferential interest rate and flexible repayment methods
90% Mortgage Plan: Owning your ideal home with down payment of only 10%
"All-You-Want" Mortgage Scheme: Save interest expenses and shorten the repayment period by making extra payments whenever you like
"Smart" Mortgage Scheme: Enjoy a preferential deposit interest rate which is the same as the mortgage interest rate through a deposit account
HIBOR Mortgage Scheme: HIBOR-based mortgage interest rate with different HIBOR periods for you to choose from
Government Housing Scheme Mortgage Plan: Lending packages for both the Home Ownership Scheme and the Tenants Purchase Scheme are available
Bridging Loan: Offers you greater funding flexibility when switching to a new property
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  • Fee waivers on instant property valuation, mortgage enquiries and the like
  • Special discount on the premium for the fire insurance purchased through our Bank
  • Annual fee waiver of BOC Credit Card throughout the entire mortgage period
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Act now and make online appointment for mortgage application!




For details, please call our Mortgage Hotline at (852) 3669 3233 or visit any of the branches of BOCHK.

Terms and Conditions:

  • The above information is for reference only. Bank of China (Hong Kong) Limited ("the Bank") may at its absolute discretion approve or reject any application for credit facilities and mortgage and may decline any application without assigning any reason. The final terms and conditions of the mortgage will be governed by the Facility Letter and other relevant documents signed between the loan applicant and the Bank.
  • The fire insurance plan is underwritten by Bank of China Group Insurance Company Limited ("BOCG Insurance"). The Bank is one of the agents of BOCG Insurance. Details of coverage are subject to the terms and conditions stipulated in the policy issued by BOCG Insurance.
  • The Bank reserves the right to amend and/or withhold the above offer, relevant terms and conditions of the above promotional offers at its discretion without prior notice.
  • In case of any discrepancies between the Chinese and English version of this web page, the Chinese version shall prevail.
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