Terms and Conditions of the "Government Subsidised Housing" One Day Approval Mortgage Service ("Service"):

1. This Service is only applicable to applicants new purchasing of Government Housing units^* ("Government Housing") for the Primary Market and the Secondary Market Scheme under the Hong Kong Housing Authority by individual customers and applying for a mortgage loan from Bank of China (Hong Kong) Limited ("BOCHK ").
2. Applicants must submit their mortgage loan applications through BOCHK "Home Expert" Mobile Application (including using the electronic signature service and/or the "Inter-Bank Account Data Sharing"). Under general conditions, applicants will be notified of the approve-in-principle result within one working day⁺. For application details, please contact the branch staff of BOCHK.
3. This Service only provides an "approve-in-working result". The final approved loan terms, including the amount, interest rate, and other applicable terms, will be subject to the final approval by BOCHK and governed by the facility letter and/or the terms and conditions of the loan as BOCHK may stipulate and provide to each of applicants prior to signing of such facility letter. BOCHK reserves the right of final decision regarding any mortgage application.
4. Please visit www.bochk.com > Home > More > Terms and Conditions for Services/Products > Loan & Mortgage > “Terms and Conditions of Mortgage Application for Home Expert App” and “Terms and Conditions for Interbank Account Data Sharing-Credit Application” for details about the electronic signature service and the "Inter-Bank Account Data Sharing".
   ^*Government Housing includes Home Ownership Scheme, Green Form Subsidised Home Ownership Scheme and Tenants Purchase Scheme that meet specified requirements. Applicants must meet the specified requirements and subject to individual circumstances.
   ⁺ The processing time for the “Government Subsidised Housing” One Day Approval Mortgage Service begins once the customer completes the “electronic signing” and successfully submits the mortgage application. Upon submission, the instant approval process will commence, with a “Approval-in-Principle” available in as fast as one business day. In the event of any circumstances including but not limited to technical failures in communication networks, the Bank's or third-party systems, failure to provide data in a timely manner, incomplete, incorrect or unclear information provided by the applicant, or the need for further verification, BOCHK does not guarantee that an approve-in-principle result will be provided within one business day and assumes no liability.

Terms and Conditions of Extra HK$500 Cash Rebate for "Complete mobile application and electronic signing for Government Subsidised Housing mortgage":

1. From 21 July 2026 to 31 December 2026 (both dates inclusive, the “Promotion Period”), customers must submit their mortgage loan applications through BOCHK "Home Expert" Mobile Application, plus using the electronic signature service, and successfully drawdown the mortgage loan ("Eligible Customers"), can enjoy an extra HK$500 Cash Rebate ("Cash Rebate").
2. The Cash Rebate is only applicable to a mortgage loan with new purchasing of Government Housing for the Primary Market and the Secondary Market Scheme under the Hong Kong Housing Authority by individual customers.
3. Eligible Customers must provide the designated promotion code "EAIP" to BOCHK staff when applying for mortgage services in order to register for Mortgage Offer. Regarding the registration records of BOCHK Mortgage Offer, the records of BOCHK system shall prevail.
4. Each Eligible Customer can only receive the Cash Rebate once within the Promotion Period on the basis of the record by BOCHK.
5. BOCHK will deposit the Cash Rebate to the account which the applicant has designated for repayment of the mortgage within 2 weeks after the drawdown of mortgage loan
6. The status of the Eligible Customers' Mortgage Account and the designated mortgage repayment account, must be normal and valid when BOCHK credits the Cash Rebate. If customers cannot fulfill any of the above requirements, BOCHK reserves the right to cancel the Cash Rebate without prior notice.

Terms and Conditions of Extra HK$500 Cash Rebate for Starting Up “Interbank Account Data Sharing” :

1. From 1 July 2026 to 31 December 2026 (both dates inclusive, the “Promotion Period”), customers who (i) successfully submit an mortgage application^#, (ii) start up an “Interbank Account Data Sharing” with purpose for Credit Application (including Unsecured Personal Loan/Credit Card/Mortgage Loan/Other Secured Loans)^## ( “Prescribed Consent” ) via Bank of China (Hong Kong) (“BOCHK”) Mobile Banking Application, and the saving and/or current account information provided under “Interbank Account Data Sharing” shall be used as one of the approval documents for the mortgage application (the “Eligible Customers”), can enjoy an extra HK$500 Cash Rebate (collectively named “Interbank Account Data Sharing” Cash Rebate”).
   ^# The “Interbank Account Data Sharing” Cash Rebate is applicable to successful application for new purchase, refinance, refinance with top-up, top-up and remortgage loan of residential property by individual customers.
   ^## Customers consent and agree the purpose for Credit Application (including Unsecured Personal Loan/Credit Card/Mortgage Loan/Other Secured Loans) means BOCHK can access customers’ saving and/or current account information at other bank(s) accounts for the purpose of approving the credit application afterwards.
2. The “Interbank Account Data Sharing” Cash Rebate is not applicable to mortgage loan of all individual car park space, industrial and commercial property.
3. BOCHK will deposit the“Interbank Account Data Sharing” Cash Rebate amount to the account which the applicant has designated for repayment of the mortgage within 2 weeks after the drawdown of mortgage loan.
4. If the account is a joint account, the holders of such account will be considered as one Eligible Customer and only one of the account holders will be eligible for the“Interbank Account Data Sharing” Cash Rebate. BOCHK reserves the final right to deposit the“Interbank Account Data Sharing” Cash Rebate to any one of the joint-account holders.
5. The status of the Eligible Customers' Mortgage Account and the designated mortgage repayment account, must be normal and valid when BOCHK credits the“Interbank Account Data Sharing” Cash Rebate. If customers cannot fulfill any of the above requirements, BOCHK reserves the right to cancel the“Interbank Account Data Sharing” Cash Rebate without prior notice.

General Terms and Conditions:

1. If the amount of cash rebate and / or cash reward and / or the coupons reward and / or gifts is in excess of 1% of the mortgage loan amount, it is required to treat the entire amount of cash rebate and / or cash reward and/or the coupons reward and / or gifts as part of the mortgage loan amount for the purpose of calculating the loan-to-value ratio.
2. The above products, services and offers are subject to the terms and conditions. For details, please refer to the relevant promotional materials or contact the staff of BOCHK.
3. BOCHK reserves the right to amend, withhold and/or cancel the above products, services and offers at its discretion.
4. Customers are responsible for the relevant data charges incurred by using and/or/ downloading BOCHK Mobile App and/or Mobile/Internet Banking.
5. Please download mobile applications from official application stores or BOCHK website, and ensure the search wording is correct.
6. By using BOCHK Mobile App and/or Mobile/Internet Banking, the viewer agrees to be bound by the content of the disclaimer and policy as it may be amended by BOCHK from time to time and posted on BOCHK Mobile Application and/or Mobile/Internet Banking.
7. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.. Android, Google Play, and the Google Play logo are trademarks of Google Inc.. Huawei AppGallery is provided by Huawei Services (Hong Kong) Co., Limited.
8. Downloading Mobile Application are the third parties’ website or Mobile Application. Mobile Application are subjected to such service providers’ terms and conditions. BOCHK is not the service provider of the website and / or Mobile Application. If customers have any enquiries or compliant to them, please directly contact the service providers. BOCHK gives no guarantee to the website and / or Mobile Application of the service providers, or does not accept any liability arising in conjunction with the use of the website or Mobile Application or the services provided by the service providers.
9. The final approved loan terms, including: the amount, interest rate and other applicable terms will be subject to the final approval of BOCHK. BOCHK reserves the right to make the final decision on any mortgage application. BOCHK has the right to refer to the applicant's credit report and based on the information and/or documents provided by the applicant, to determine whether to accept or reject the application, and it is not required to provide any reason for the rejection of the application. If necessary, BOCHK reserves the right to request the applicants to provide other information and/or documents for further approval. Mortgage is subject to the terms listed in the loan document signed by the loan applicants and BOCHK.
10. No person other than the Eligible Customers and BOCHK will have any rights under the Contracts (Rights of Third parties) Ordinance to enforce or enjoy the benefit of any of the provisions of these terms and conditions.
11. In case of any disputes, the decisions of BOCHK shall be final.
12. In case of any discrepancies between the Chinese and English version of these terms and conditions, the Chinese version shall prevail.
13. The terms and conditions of the offer shall be governed by, and construed in accordance with, the laws of the Hong Kong Special Administrative Region.