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Home > Personal Banking > Mortgage > All-You-Want Mortgage Scheme
Section Arrow "All-You-Want" Mortgage Scheme
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Save interest expenses of up to 50%*

Have you ever thought about taking advantage of financial flexibility whilst reducing your mortgage interest payment? With Bank of China (Hong Kong)'s "All-You-Want" Mortgage Scheme, a comprehensive financial solution that brings mortgage and current accounts under one roof, you can save your mortgage interest expenses and shorten the repayment tenor by adjusting your monthly repayments according to your lifestyle and budget.

* Please refer to the example below for details.

BulletFlexible deposits with interest saving
BulletConvenient withdrawals
BulletWaiver on charges to save more
BulletDetailed records at a glance
Bullet"All-You-Want" Mortgage Scheme vs General Mortgage Plan
BulletExclusive privileges
BulletSimple application step
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Grey Line Red Arrow Flexible deposits with interest saving
  • Reducing the outstanding net balance of your mortgage loan by placing deposits#into your mortgage loan account whenever you want without early repayment penalty
  • Mortgage interest is calculated based on the daily outstanding net balance*of your mortgage loan, enabling you to save interest expenses and shorten the repayment tenor
# If the total deposits amount exceed designated limit, a deposit service charge will be levied. For details, please contact our staff.

*Net Balance = Mortgage Balance – Deposits Balance
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  • To meet your financial needs, you can withdraw deposits anytime from your account via ATMs or by cheques. What's more, you can conveniently access our round-the-clock fund transfer service wherever you are via BOCHK Internet Banking or Phone Banking.
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Grey Line Red Arrow Waiver on charges to save more
  • Waiver on handling charge and annual fee means you can save more.
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  • "All-You-Want" Mortgage Scheme comes with a monthly statement which clearly list out every in/out transaction and mortgage loan details for your easy reference.
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Grey Line Red Arrow "All-You-Want" Mortgage Scheme vs General Mortgage Plan
  "All-You-Want" Mortgage Scheme General Mortgage Plan
Account type

All-in-one mortgage and current account Pure mortgage plan with fixed monthly repayment schedule and amount
Partial repayment Reducing the outstanding net balance of your mortgage loan by making deposits anytime, with no minimum amount or limit set on the number of transactions#, and no handling fee will be levied Additional interest or penalty incurred, e.g. 1% of the partial repayment for the 1st year; subject to a minimum amount of HK$50,000 in normal case
Mortgage Interest The calculation of interest is based on the daily net balance** of your loan to help you save interest The calculation of interest is based on the mortgage balance at the beginning of the month
Withdrawals and transfer Convenient withdrawals of deposits by cheques or via ATMs at anytime; 24-hour access to BOCHK Internet Banking or Phone Banking for fund transfer Not available

# If the total deposits amount exceed designated limit, a deposit service charge will be levied. For details, please contact our staff.

** Net Balance = Mortgage Balance – Deposits Balance

Example*(For reference only)
Assume P=5% p.a.
Mortgage loan amount: HK$1,500,000
Loan tenor: 20 years (240 months)
"All-You-Want" mortgage account deposit amount upon loan drawdown date: HK$200,000
Extra monthly deposits: HK$3,500 (Assuming that no withdrawal of deposits is made until full repayment of the entire loan)

  "All-You-Want" Mortgage Scheme General Mortgage Plan
Annual mortgage interest rate 2.35% (P-2.65%)^ 2.2% (P-2.8%)^
Monthly repayment HK$7,840 HK$7,732
Total mortgage interest expenses
HK$174,638 HK$355,381
Your saving on interest expenses HK$180,743
(Save 50%)
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Repayment tenor

132 months*
(Shortened by 108 months)  

240 months

P is the Hong Kong Dollar Prime Rate quoted by Bank of China (Hong Kong) Limited from time to time.
^ The interest rates are quoted for reference only.
* The repayment tenor assumes that the deposit amount in the "All-You-Want" mortgage account is sufficient to settle and repay all the outstanding mortgage loan amount in respect of the remaining repayment tenor after 132 months. Customers can then choose to redeem the mortgage loan facility, but a prepayment fee may be required. If customers do not redeem the mortgage loan facility, monthly repayment will be made by customers as usual until the outstanding mortgage loan principal is fully prepaid. The Bank may at its absolute discretion decide all matters in respect of the above mortgage repayment and redemption arrangements.

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Grey Line Red Arrow Exclusive privileges
  • Fee waivers on instant property valuation, mortgage enquiries and the like
  • Enjoy premium discount upon enrollment for Fire Insurance and/or Home Insurance via the 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 repayment tenor and possible interest saved for "All-You-Want" Mortgage Scheme will vary with mortgage loan amount, loan tenor, total extra deposits and the like. The saving on interest expenses does not take into account any other fees such as deposit service charge (if applicable). The actual interest payment that may be saved may change according to the operation of "All-You-Want" Mortgage Scheme. For details, please contact our staff.
  • Bank of China (Hong Kong) Limited ("the Bank") will open a current account for the customer who applies for "All-You-Want" Mortgage Scheme, so that he/ she can enjoy deposit and withdrawal services upon successful drawdown of the mortgage loan.
  • The above mortgage scheme is not applicable to designated loan schemes and property types. For details, please contact our staff.
  • 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.
  • Fire Insurance and Home Insurance are underwritten by Bank of China Group Insurance Company Limited (“BOCG Insurance”). The Bank is one of the insurance agents of BOCG Insurance. Details of the coverage are subject to the policy documents 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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