Greater Bay Area Loan
Brand New Cross-border Remittance Service
Unlock your path to homebuying in the Greater Bay Area
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 convenient payment services for all your investment needs in the Greater Bay Area without leaving Hong Kong.
<b>Mortgage Loan</b><br />One-stop mortgage service
Mortgage Loan
One-stop mortgage service
We offer professional and caring mortgage service to ensure you can buy properties in Greater Bay Area in a trustful way.
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.
  • Simple and Convenient
    Offering quick & simple Cross-border remittance service for you to settle Greater Bay Area home purchasing payment; including down payment and balance payment.
  • 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
    1. Preparation
    1. Preparation
    Fill in the application form and prepare the required documents
    2. Approved
    2. Approved
    Sign mortgage loan documents at the Bank after the application is approved
    3. Mortgage registration
    3. Mortgage registration
    Delegate mainland solicitor to complete the mortgage registration
    4. Sign the document
    4. Sign the document
    Sign domestic and foreign legal & loan documents
    5. Loan drawdown
    5. Loan drawdown
    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.
    Terms and Conditions
    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 fulfill 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.
    Reminder: To borrow or not to borrow? Borrow only if you can repay!

    Contact Us

    For more details on GBA Mortgage Loan, contact us by
    Mobile Banking
    Mobile Banking
    Tap theonline csChat on BOCHK Mobile Banking to connect with our "Online Chat" which is available 24/7
    GBA Loan Customer Service Hotline
    GBA Loan Customer Service Hotline
    Contact us on
    +852 3669 3233
    WeChat Official Account
    WeChat Official Account
    Get to know more about the market trend and cross-border service information through our WeChat Official Account by searching and following “BOCHK_Banking”