Greater Bay Area Loan

BOCHK Greater Bay Area Loan is a complete mainland China homebuying support tool and financial solution. Enjoy every moment of life and receive best in class mortgage products and services for all your investment needs in the Greater Bay Area without leaving Hong Kong.

Unlocking the key to homebuying in the Greater Bay Area with our mortgage services

We offer professional and caring mortgage service to ensure you can buy properties in Greater Bay Area in a trustful way.

Mortgage Loan
Coverage Designated first-hand self-use residential property
Loan amount Up to HK$10 million
Loan tenor Up to 30 years
Loan-to-value ratio Up to 60%
Mortgage Interest Rate Preferential Interest Rate
Preferential Rate
Loan plan is based on Hong Kong Dollar Prime Rate ("P") with loan and repayment calculated in Hong Kong Dollar.
Easy and fast
A one-stop service in Hong Kong that saves your processing time from travelling between Hong Kong and the mainland.
Safe and reliable
Legal documents are handled by the Bank and the Bank’s designated solicitors in the mainland.
Professional and bespoke service
Our professional Greater Bay Area mortgage service team provides financing solutions for properties purchase.
Easy application
Fill in the application form and prepare the required documents
Sign mortgage loan documents at the Bank after the application is approved
Delegate mainland solicitor to complete the mortgage registration
Sign Domestic and foreign legal & loan documents
Visit designated branch of Bank of China in the mainland for loan drawdown
Required Documents
Identity Documents Hong Kong Permanent Resident Identity Card
Valid Mainland Travel Permit for Hong Kong and Macau Residents
Proof of income Last 3 months' bank statement / bank passbook record
Property Proof Documents Property Sales Contract /Property Sales & Purchase Agreement
For the "Key Facts Statement (KFS) for Greater Bay Area Mortgage Loan", please click here.

  1. Greater Bay Area Mortgage Loan is the product of the Bank of China (Hong Kong) Limited ("BOCHK") and the sales and offers of Greater Bay Area Mortgage Loan is only limited in Hong Kong area.
  2. Greater Bay Area Mortgage Loan is a financing solution that is only applicable to personal customers who hold Hong Kong Permanent Identity Card for the purpose of personal home purchasing. According to the applicable terms & conditions of Greater Bay Area Mortgage Loan, the definition of "Greater Bay Area" includes the cities of Guangzhou, Shenzhen, Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen and Zhaoqing. In case of any dispute of the definition of"Greater Bay Area" property, the decision of BOCHK shall be final. Please contact BOCHK staff for the latest details of the cities that are applicable for Greater Bay Area Mortgage Loan.
  3. P is the Hong Kong Dollar Prime Rate quoted by Bank of China (Hong Kong) Limited from time to time.
  4. BOCHK will require the applicants to supplement document proofs for application review and approval.
  5. BOCHK reserves the right to decide whether to accept applications based on the credit reports of the applicants and the information provided by the applicants without providing any reason. BOCHK has the right to request customers to provide other documents for the purpose of further approval if necessary.
  6. The credit rating of each customer must fulfil the requirements of BOCHK. The approved Annualized Percentage Rate may vary on a case-by-case basis, subject to the credit rating of each individual customer, loan amount and repayment tenor. Approval of the loan amount, repayment tenor and interest rate are all subject to the final decision of BOCHK without providing any reason.
  7. All the information provided by the applicants in the loan application forms shall be final. The applicants shall have agreed and accepted the terms set out in the loan agreement of BOCHK.
  8. Applicants must open and maintain bank accounts with BOCHK as the designated repayment account of Greater Bay Area Mortgage Loan.
  9. BOCHK reserves the right to amend, suspend or terminate the above products and offers, and to amend the relevant terms at any time at its sole discretion.
  10. The above products, services and offers are bound by the relevant terms & conditions, please refer to marketing materials or contact BOCHK staff for details.
  11. The loan is governed by final terms and conditions set out in the loan documents between the applicant and BOCHK.
  12. In case of any dispute, the decision of BOCHK shall be final.

If you own a property that already comes with Real Property Ownership Certificate in the Greater Bay Area, you can cash-out your property with mortgage loan to meet your financial needs flexibly

Property Refinancing
Property Designated residential property in the Greater Bay Area
Loan amount Up to HK$10 million
Loan tenor Up to 20 years
Loan-to-value ratio Up to 50% of the property valuation or transaction price*

*Whichever is lower

Easy application
Fill in the application form and prepare the required documents
Sign mortgage loan documents at the Bank after the application is approved
Delegate mainland solicitor to complete the mortgage registration
After the mortgage registration is completed, the loan will be released to customer's account
Required Documents
Identity Documents Hong Kong Permanent Resident Identity Card
Valid Mainland Travel Permit for Hong Kong and Macau Residents
Proof of income Last 3 months' bank statement / bank passbook record
Property Proof Documents Real Property Ownership Certificate
For the "Key Facts Statement (KFS) for Greater Bay Area Property Refinancing Loan", please click here.

  1. Greater Bay Area Property Refinancing is the product of the Bank of China (Hong Kong) Limited ("BOCHK") and the sales and offers of Greater Bay Area Property Refinancing is only limited in Hong Kong area.
  2. Greater Bay Area Property Refinancing is only applicable to personal customers who hold Hong Kong Permanent Identity Card and exclusive for providing personal financing solutions to customers. Therefore, the applicants could provide eligible Greater Bay Area property for Refinancing. According to the applicable terms & conditions of Greater Bay Area Refinancing, the definition of "Greater Bay Area" includes the cities of Guangzhou, Shenzhen, Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen and Zhaoqing. In case of any dispute of the definition of "Greater Bay Area" property, the decision of BOCHK shall be final. Please contact BOCHK staff for the latest details of cities that are applicable for Greater Bay Area Property Refinancing.
  3. BOCHK will require the applicants to supplement document proofs for application review and approval.
  4. BOCHK reserves the right to decide whether to accept application based on the credit reports of the applicants and the information provided by the applicants without providing any reason. BOCHK has the right to request customers to provide other documents for the purpose of further approval if necessary.
  5. The credit rating of each customer must fulfil the requirements of BOCHK. The approved Annualized Percentage Rate may vary on a case-by-case basis, subject to the credit rating of each individual customer, loan amount and repayment tenor. Approval of the loan amount, repayment tenor and interest rate are all subject to the final decision of BOCHK without providing any reason.
  6. All the information provided by the applicants in the loan application forms shall be final. The applicants shall have agreed and accepted the terms set out in the loan agreement of BOCHK.
  7. Applicants must open and maintain bank accounts with BOCHK as the designated repayment account of Greater Bay Area Property Refinancing.
  8. BOCHK reserves the right to amend, suspend or terminate the above products and offers, and to amend the relevant terms at any time at its sole discretion.
  9. The above products, services and offers are bound by the relevant terms & conditions, please contact BOCHK staff for details. The loan is governed by final terms and conditions set out in the loan documents between the applicant and BOCHK.
  10. In case of any dispute, the decision of BOCHK shall be final.

We provide flexible financing solutions to meet your short-term financial needs for furnishing your new house in Greater Bay Area

 Personal Loan
Loan amount Up to HK$2 million or 12 times of the applicant's monthly salary*
Handling fee Nil
Loan tenor 12, 24, 36, 48 or 60 months

*Whichever is lower

Easy application
Fill in the application form and prepare the required document
Sign related documents after the application is approved
The loan will be released to customer's account
For the "Key Facts Statement (KFS) for Greater Bay Area Personal Loan", please click here.

  1. Greater Bay Area Personal Loan is the product of the Bank of China (Hong Kong) Limited ("BOCHK") and the sales and offers of Greater Bay Area Personal Loan is only limited in Hong Kong area.
  2. Greater Bay Area Personal Loan is only applicable for personal customers who hold Hong Kong Permanent Identity Card and exclusive for the daily consumption financial needs of personal customers who live in Greater Bay Area (i.e. loan purpose includes increasing the funds liquidity for the use of renovation of Greater Bay Area property or purchasing furniture). Therefore, customers must provide documents in related to Greater Bay Area property as a supporting document. According to the applicable terms & conditions of Greater Bay Area Personal Loan, the definition of "Greater Bay Area" includes the cities of Guangzhou, Shenzhen, Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen and Zhaoqing. In case of any dispute of the definition of"Greater Bay Area" property, the decision of BOCHK shall be final. Please contact BOCHK staff for the latest details of cities that are applicable for Greater Bay Area Property Refinancing.
  3. BOCHK reserves the right to decide whether to accept application based on the credit reports of the applicants and the information provided by the applicants without providing any reason. BOCHK has the right to request customers to provide other documents for the purpose of further approval if necessary.
  4. The credit rating of each customer must fulfil the requirements of BOCHK. The approved Annualized Percentage Rate may vary on a case-by-case basis, subject to the credit rating of each individual customer, loan amount and repayment tenor. Approval of the loan amount, repayment tenor and interest rate are all subject to the final decision of BOCHK without providing any reason.
  5. All the information provided by the applicants in the loan application forms shall be final. The applicants shall have agreed and accepted the terms set out in the loan agreement of BOCHK.
  6. Applicants must open and maintain bank accounts with BOCHK as the designated repayment account of Greater Bay Area Personal Loan.
  7. BOCHK reserves the right to amend, suspend or terminate the above products and offers, and to amend the relevant terms at any time at its sole discretion.
  8. The above products, services and offers are bound by the relevant terms & conditions, please contact BOCHK staff for details. The loan is governed by final terms and conditions set out in the loan documents between the applicant and BOCHK.
  9. In case of any dispute, the decision of BOCHK shall be final.

We offer professional and caring mortgage service to ensure you can buy properties in Greater Bay Area in a trustful way.

Mortgage Loan
Coverage Designated first-hand self-use residential property
Loan amount Up to HK$10 million
Loan tenor Up to 30 years
Loan-to-value ratio Up to 60%
Mortgage Interest Rate Preferential Interest Rate
Preferential Rate
Loan plan is based on Hong Kong Dollar Prime Rate ("P") with loan and repayment calculated in Hong Kong Dollar.
Easy and fast
A one-stop service in Hong Kong that saves your processing time from travelling between Hong Kong and the mainland.
Safe and reliable
Legal documents are handled by the Bank and the Bank’s designated solicitors in the mainland.
Professional and bespoke service
Our professional Greater Bay Area mortgage service team provides financing solutions for properties purchase.
Easy application
Fill in the application form and prepare the required documents
Sign mortgage loan documents at the Bank after the application is approved
Delegate mainland solicitor to complete the mortgage registration
Sign Domestic and foreign legal & loan documents
Visit designated branch of Bank of China in the mainland for loan drawdown
Required Documents
Identity Documents Hong Kong Permanent Resident Identity Card
Valid Mainland Travel Permit for Hong Kong and Macau Residents
Proof of income Last 3 months' bank statement / bank passbook record
Property Proof Documents Property Sales Contract /Property Sales & Purchase Agreement
For the "Key Facts Statement (KFS) for Greater Bay Area Mortgage Loan", please click here.

  1. Greater Bay Area Mortgage Loan is the product of the Bank of China (Hong Kong) Limited ("BOCHK") and the sales and offers of Greater Bay Area Mortgage Loan is only limited in Hong Kong area.
  2. Greater Bay Area Mortgage Loan is a financing solution that is only applicable to personal customers who hold Hong Kong Permanent Identity Card for the purpose of personal home purchasing. According to the applicable terms & conditions of Greater Bay Area Mortgage Loan, the definition of "Greater Bay Area" includes the cities of Guangzhou, Shenzhen, Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen and Zhaoqing. In case of any dispute of the definition of"Greater Bay Area" property, the decision of BOCHK shall be final. Please contact BOCHK staff for the latest details of the cities that are applicable for Greater Bay Area Mortgage Loan.
  3. P is the Hong Kong Dollar Prime Rate quoted by Bank of China (Hong Kong) Limited from time to time.
  4. BOCHK will require the applicants to supplement document proofs for application review and approval.
  5. BOCHK reserves the right to decide whether to accept applications based on the credit reports of the applicants and the information provided by the applicants without providing any reason. BOCHK has the right to request customers to provide other documents for the purpose of further approval if necessary.
  6. The credit rating of each customer must fulfil the requirements of BOCHK. The approved Annualized Percentage Rate may vary on a case-by-case basis, subject to the credit rating of each individual customer, loan amount and repayment tenor. Approval of the loan amount, repayment tenor and interest rate are all subject to the final decision of BOCHK without providing any reason.
  7. All the information provided by the applicants in the loan application forms shall be final. The applicants shall have agreed and accepted the terms set out in the loan agreement of BOCHK.
  8. Applicants must open and maintain bank accounts with BOCHK as the designated repayment account of Greater Bay Area Mortgage Loan.
  9. BOCHK reserves the right to amend, suspend or terminate the above products and offers, and to amend the relevant terms at any time at its sole discretion.
  10. The above products, services and offers are bound by the relevant terms & conditions, please refer to marketing materials or contact BOCHK staff for details.
  11. The loan is governed by final terms and conditions set out in the loan documents between the applicant and BOCHK.
  12. In case of any dispute, the decision of BOCHK shall be final.

If you own a property that already comes with Real Property Ownership Certificate in the Greater Bay Area, you can cash-out your property with mortgage loan to meet your financial needs flexibly

Property Refinancing
Property Designated residential property in the Greater Bay Area
Loan amount Up to HK$10 million
Loan tenor Up to 20 years
Loan-to-value ratio Up to 50% of the property valuation or transaction price*

*Whichever is lower

Easy application
Fill in the application form and prepare the required documents
Sign mortgage loan documents at the Bank after the application is approved
Delegate mainland solicitor to complete the mortgage registration
After the mortgage registration is completed, the loan will be released to customer's account
Required Documents
Identity Documents Hong Kong Permanent Resident Identity Card
Valid Mainland Travel Permit for Hong Kong and Macau Residents
Proof of income Last 3 months' bank statement / bank passbook record
Property Proof Documents Real Property Ownership Certificate
For the "Key Facts Statement (KFS) for Greater Bay Area Property Refinancing Loan", please click here.

  1. Greater Bay Area Property Refinancing is the product of the Bank of China (Hong Kong) Limited ("BOCHK") and the sales and offers of Greater Bay Area Property Refinancing is only limited in Hong Kong area.
  2. Greater Bay Area Property Refinancing is only applicable to personal customers who hold Hong Kong Permanent Identity Card and exclusive for providing personal financing solutions to customers. Therefore, the applicants could provide eligible Greater Bay Area property for Refinancing. According to the applicable terms & conditions of Greater Bay Area Refinancing, the definition of "Greater Bay Area" includes the cities of Guangzhou, Shenzhen, Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen and Zhaoqing. In case of any dispute of the definition of "Greater Bay Area" property, the decision of BOCHK shall be final. Please contact BOCHK staff for the latest details of cities that are applicable for Greater Bay Area Property Refinancing.
  3. BOCHK will require the applicants to supplement document proofs for application review and approval.
  4. BOCHK reserves the right to decide whether to accept application based on the credit reports of the applicants and the information provided by the applicants without providing any reason. BOCHK has the right to request customers to provide other documents for the purpose of further approval if necessary.
  5. The credit rating of each customer must fulfil the requirements of BOCHK. The approved Annualized Percentage Rate may vary on a case-by-case basis, subject to the credit rating of each individual customer, loan amount and repayment tenor. Approval of the loan amount, repayment tenor and interest rate are all subject to the final decision of BOCHK without providing any reason.
  6. All the information provided by the applicants in the loan application forms shall be final. The applicants shall have agreed and accepted the terms set out in the loan agreement of BOCHK.
  7. Applicants must open and maintain bank accounts with BOCHK as the designated repayment account of Greater Bay Area Property Refinancing.
  8. BOCHK reserves the right to amend, suspend or terminate the above products and offers, and to amend the relevant terms at any time at its sole discretion.
  9. The above products, services and offers are bound by the relevant terms & conditions, please contact BOCHK staff for details. The loan is governed by final terms and conditions set out in the loan documents between the applicant and BOCHK.
  10. In case of any dispute, the decision of BOCHK shall be final.

We provide flexible financing solutions to meet your short-term financial needs for furnishing your new house in Greater Bay Area

 Personal Loan
Loan amount Up to HK$2 million or 12 times of the applicant's monthly salary*
Handling fee Nil
Loan tenor 12, 24, 36, 48 or 60 months

*Whichever is lower

Easy application
Fill in the application form and prepare the required document
Sign related documents after the application is approved
The loan will be released to customer's account
For the "Key Facts Statement (KFS) for Greater Bay Area Personal Loan", please click here.

  1. Greater Bay Area Personal Loan is the product of the Bank of China (Hong Kong) Limited ("BOCHK") and the sales and offers of Greater Bay Area Personal Loan is only limited in Hong Kong area.
  2. Greater Bay Area Personal Loan is only applicable for personal customers who hold Hong Kong Permanent Identity Card and exclusive for the daily consumption financial needs of personal customers who live in Greater Bay Area (i.e. loan purpose includes increasing the funds liquidity for the use of renovation of Greater Bay Area property or purchasing furniture). Therefore, customers must provide documents in related to Greater Bay Area property as a supporting document. According to the applicable terms & conditions of Greater Bay Area Personal Loan, the definition of "Greater Bay Area" includes the cities of Guangzhou, Shenzhen, Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen and Zhaoqing. In case of any dispute of the definition of"Greater Bay Area" property, the decision of BOCHK shall be final. Please contact BOCHK staff for the latest details of cities that are applicable for Greater Bay Area Property Refinancing.
  3. BOCHK reserves the right to decide whether to accept application based on the credit reports of the applicants and the information provided by the applicants without providing any reason. BOCHK has the right to request customers to provide other documents for the purpose of further approval if necessary.
  4. The credit rating of each customer must fulfil the requirements of BOCHK. The approved Annualized Percentage Rate may vary on a case-by-case basis, subject to the credit rating of each individual customer, loan amount and repayment tenor. Approval of the loan amount, repayment tenor and interest rate are all subject to the final decision of BOCHK without providing any reason.
  5. All the information provided by the applicants in the loan application forms shall be final. The applicants shall have agreed and accepted the terms set out in the loan agreement of BOCHK.
  6. Applicants must open and maintain bank accounts with BOCHK as the designated repayment account of Greater Bay Area Personal Loan.
  7. BOCHK reserves the right to amend, suspend or terminate the above products and offers, and to amend the relevant terms at any time at its sole discretion.
  8. The above products, services and offers are bound by the relevant terms & conditions, please contact BOCHK staff for details. The loan is governed by final terms and conditions set out in the loan documents between the applicant and BOCHK.
  9. In case of any dispute, the decision of BOCHK shall be final.

Reminder: To borrow or not to borrow? Borrow only if you can repay!