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BOCHK “MORTGAGE SERVICE”
Ranked No. 1*
by Market Share
for 7 Consecutive Years
Ranked No. 1*
by Market Share
for 7 Consecutive Years
Learn More
*Source: 2019 - 2025 Research Department
of Centaline Property Agency Ltd.
of Centaline Property Agency Ltd.
Your Home Expert
Guides you to realise your dream home
Guides you to realise your dream home
Learn More
Greater Bay Area Loan
Brand New Cross-border Remittance Service
Unlock your path to homebuying in the Greater Bay Area
Unlock your path to homebuying in the Greater Bay Area
Learn More
Reverse Mortgage Programme
Learn More
For the “Key Facts Statement (KFS) for Residential Mortgage Loan”, please click here.
BOCHK "Home Expert"
Tailored excellence for every home
BOCHK has always been customer-centric, offering diverse mortgage solutions and professional, comprehensive services. We continuously innovate and advance, providing all-round support to you along your homeownership journey.
Innovation Highlights
Innovation · Product
We understand our customers' needs and relentlessly pursue innovation. To promote environmental and social sustainability, we proudly launched the first Green Mortgage Plan in Hong Kong. In addition, we offer an array of mortgage solutions for private properties, government housing, village houses, and more. Flexible repayment options are available, with the choice of Prime Rate (P) or Hong Kong Interbank Offered Rate (HIBOR) as the mortgage repayment interest rate, you can also set the repayment period to 2 weeks or 1 month.
Breakthrough · Frontiers
Embracing the integrated lifestyle of the Greater Bay Area, we are among the first to offer mortgage solutions across 9 cities in the Greater Bay Area, with mortgage loan options in both HKD and RMB to fully support your cross-border home ownership needs.
Expansion ·
New Experience
Leveraging digital innovation, we deliver a new level of service experience. Our pioneering "Home Expert" APP is the first of its kind in Hong Kong enables you to search property information, plan budgets, and complete mortgage applications online in one stop. At the same time, our offline network of professional mortgage specialists and customer service representatives are always ready to provide personalized one-on-one support. You may also visit our extensive branch network or mortgage centres for in-person assistance.
Advancement ·
Technology
We actively embrace technology to simplify the mortgage process. As the first bank to accept interbank shared account data via the Interbank Account Data Sharing (IADS) as proof of income, we streamline documentation requirements and accelerate mortgage approval with our commitment to efficiency, detail, and customer convenience.
Mortgage Solutions
We truly understand your needs
dedicated to planning with you
dedicated to planning with you
First-time Homebuyers
First-time Homebuyers
Government Housing
Government Housing
Green Residential Projects
Green Residential Projects
Reverse Mortgage Programme
Reverse Mortgage Programme
Savings on Mortgage Expenses
Savings on Mortgage Expenses
Improve Liquidity
Improve Liquidity
For the “Key Facts Statement (KFS) for Residential Mortgage Loan”, please click here.
Mortgage Insurance Programme
Owing your dream home with less down payment
- Down payment of only 10%*
- Loan tenor of up to 30 years
- Insurance premium can be integrated into the loan amount
*Only applicable to eligible homebuyers. For details, please refer to the latest information published by The Hong Kong Mortgage Corporation Limited/HKMC Insurance Limited. The loan amount and loan tenor depends on individual circumstances and is subject to final approval.
Mortgage Insurance Programme Case Sharing
Thomas plans to get married with his girlfriend and they want to own a Japanese style dream home, however, with limited budget on hand, how can they fulfil their dream of home ownership?
Property Value
HK$5,000,000
HK$5,000,000
Loan Tenor
30 Years (360 months)
30 Years (360 months)
General Mortgage Plan
Mortgage Insurance Programme
Loan-to-value Ratio
(Mortgage Loan up to)
(Mortgage Loan up to)
Loan-to-value Ratio
(Mortgage Loan up to)
(Mortgage Loan up to)
70%
90%
Eligible Loan Amount
Eligible Loan Amount
HK$3,500,000
HK$4,500,000
Down Payment Amount
Down Payment Amount
HK$1,500,000
HK$500,000
Savings on Down Payment
HK$1,000,000
HK$1,000,000
- The above example is for reference only. Customers shall meet the application and approval requirement of the Mortgage Insurance Programme. Bank of China (Hong Kong) Limited's final approved mortgage amount, interest rate and applicable terms shall be final.
- The above is subject to terms and condition, please click here for details.
Reminder: To borrow or not to borrow? Borrow only if you can repay!
For the “Key Facts Statement (KFS) for Residential Mortgage Loan”, please click here.
Government Housing Scheme
Enjoy high loan amount and achieve homeownership with ease
- Loan amount of up to 90% - 100%* of purchase price
- With repayment tenor of up to 30 years
- You may flexibly increase your instalment amount or make repayment without handling fee
- Simple application steps
*Tenant Purchase Scheme with loan amount of up to 100% of purchase price (excluding the deposit / Intention Money paid to the Hong Kong Housing Authority); Green Form Home Ownership Scheme applicants with loan amount of up to 95%; White Form Home Ownership Scheme applicants with loan amount of up to 90%
Government Housing Scheme Mortgage Plan Case Sharing
Mr. Li purchased a property via Green Form Home Ownership Scheme at the Primary Market and applied for Government Housing Scheme
Property Value
HK$2,000,000
HK$2,000,000
Loan Tenor
30 Years (360 Months)
30 Years (360 Months)
Loan-to-value Ratio
95%
95%
Government Housing Scheme
Annual mortgage interest rate
Annual mortgage interest rate
4.125% (P – 1.75%)1
Loan-to-value Ratio
Loan-to-value Ratio
95%
Down Payment Amount
Down Payment Amount
HK$100,000
Monthly repayment Amount
Monthly repayment Amount
HK$9,208
Mortgage Amount of up to
HK$1,900,000
HK$1,900,000
- Annual mortgage interest rate is quoted for reference only. P is the Hong Kong Dollar Prime Lending Rate quoted by Bank of China (Hong Kong) Limited (“The Bank”) from time to time.
- The above information is for reference only. 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 credit facilities and mortgage shall be subject to the terms and conditions set out in the facility letter and mortgage documents.
- The above is subject to terms and condition, please click here for details.
Reminder : To borrow or not to borrow? Borrow only if you can repay !
For the “Key Facts Statement (KFS) for Residential Mortgage Loan”, please click here.
Green Mortgage Plan
Green Mortgage Plan, let’s collaborate to sustain a green living
- Applicable to first-hand/second-hand private and government subsidized residential projects that have received the BEAM Plus Platinum or Gold Rating issued by Hong Kong Green Building Council
- Experience Paperless, Digital Mortgage Service and protect the environment with low-carbon usage
- Enjoy preferential cash rebate/ rewards
The above products, services and offers are subject to the relevant terms and conditions. Please click here for details.
Reminder : To borrow or not to borrow? Borrow only if you can repay !
Reminder : To borrow or not to borrow? Borrow only if you can repay !
For the “Key Facts Statement (KFS) for Residential Mortgage Loan”, please click here.
Reverse Mortgage Programme
Receive regular payouts and secure lifetime home residence
- Enables you to use your residential properties in Hong Kong as security and convert them into monthly and/ or lump-sum payouts
- Secures your lifetime home residence
- No repayment in your lifetime# and no penalty for early full repayment
- Six-month cooling-off period*
#Customer does not need to repay the outstanding loan amount during their lifetime, unless the policy reverse mortgage loan is terminated under specific circumstances.
*If a reverse mortgage loan is terminated for whatever reason within the first 6 months, a refund and waiver of mortgage insurance premiums will be given. However, the borrower is still required to bear the accrued interest, financed fees (if any) and the relevant fees in relation to the termination of the reverse mortgage loan.
*If a reverse mortgage loan is terminated for whatever reason within the first 6 months, a refund and waiver of mortgage insurance premiums will be given. However, the borrower is still required to bear the accrued interest, financed fees (if any) and the relevant fees in relation to the termination of the reverse mortgage loan.
Reverse Mortgage Programme Case Sharing
An elderly, as a single borrower applies for a fixed-rate mortgage plan for his residential property in Hong Kong as security to obtain reverse mortgage loan. He receives monthly payouts and resides in the same property for the rest of his life.
Age
70
70
Property value
HK$4,000,000
HK$4,000,000
Mortgage Plan
Fixed-rate Mortgage Plan1
Fixed-rate Mortgage Plan1
Payment Terms
Monthly payout amount with the specified property value of HK$4,000,000
10-year
10-year
HK$24,040
15-year
15-year
HK$17,920
20-year
20-year
HK$15,560
Life
Life
HK$14,600
- The above monthly payout under the fixed-rate mortgage plan is calculated at the interest rate of 3% p.a. for the first 25 years and the Hong Kong Prime Rate minus 2.5% p.a. thereafter, and is for reference only. The fixed interest rate and the Hong Kong Prime Rate will be determined by The Hong Kong Mortgage Corporation Limited ("HKMC") and HKMC Insurance Limited ("HKMCI") from time to time respectively.
- The above information is for reference only and not complete, customers should fulfil the application and approval requirement. For details of Reverse Mortgage Programme (“RMP”), please call Bank of China (Hong Kong) Limited ("the Bank") ’s hotline on +852 2278 3399 or refer to RMP’s information and relevant documents published by HKMC.
- The above products, services and offers are subject to terms and conditions, please click here for details.
- The Bank, HKMCI and HKMC reserve the right to amend, withhold and/or cancel the above products, services and relevant terms and conditions at its discretion.
Reminder : To borrow or not to borrow? Borrow only if you can repay !
Policy Reverse Mortgage Programme
Provide stable payouts
- Enables you to use your life insurance policy as collateral and convert it into monthly and/ or lump-sum payouts
- No repayment in your lifetime#
- No penalty for early full repayment
- Six-month cooling-off period*
#Customer does not need to repay the outstanding loan amount during his / her life, unless the policy reverse mortgage loan is terminated under certain specified circumstances.
*If you terminate your policy reverse mortgage loan for whatever reason within the first 6 months, you will be given a full refund and waiver of the relevant mortgage insurance premiums. However, you still need to bear any accrued interest and financed fees in the outstanding loan amount.
The above monthly payout amounts are based on a specific life insurance policy of a well known insurance company and are for illustration purpose only. The actual monthly payout amount for individual life insurance policies may vary.
*If you terminate your policy reverse mortgage loan for whatever reason within the first 6 months, you will be given a full refund and waiver of the relevant mortgage insurance premiums. However, you still need to bear any accrued interest and financed fees in the outstanding loan amount.
The above monthly payout amounts are based on a specific life insurance policy of a well known insurance company and are for illustration purpose only. The actual monthly payout amount for individual life insurance policies may vary.
Policy Reverse Mortgage Programme Case Sharing
Mr. Li is planning to use his life insurance policy as collateral to apply for a policy reverse mortgage loan to obtain cash flows.
Age
65 (Male)
65 (Male)
Death benefits of life insurance policy
HK$2,000,000
HK$2,000,000
Mortgage plan
Fixed-rate mortgage plan1
Fixed-rate mortgage plan1
Payment Terms
Fixed-rate mortgage plan
Monthly payout amounts
Monthly payout amounts
10-year
10-year
HK$5,194
15-year
15-year
HK$3,998
20-year
20-year
HK$3,480
Life
Life
HK$3,157
- The above monthly payout under the fixed-rate mortgage plan is calculated at the interest rate of 4% p.a. for the first 25 years and the Hong Kong Prime Rate minus 2.5% p.a. thereafter, and is for reference only. The fixed interest rate and the Hong Kong Prime Rate will be determined by The Hong Kong Mortgage Corporation Limited ("HKMC") and HKMC Insurance Limited ("HKMCI") from time to time respectively.
- The above information is for reference only, Customers should fulfil the application and approval requirement. For details of the Policy Reverse Mortgage Programme (“PRMP”), please call Bank of China (Hong Kong) Limited ("the Bank") ’s hotline on +852 2278 3399 or refer to PRMP’s information and relevant documents published by HKMC and HKMCI.
- The above is subject to terms and condition, please click here for details.
- The Bank, HKMCI and HKMC reserve the right to amend, withhold and/or cancel the above products, services and relevant terms and conditions at its discretion.
Reminder : To borrow or not to borrow? Borrow only if you can repay !
For the “Key Facts Statement (KFS) for Residential Mortgage Loan”, please click here.
"Smart" Mortgage Scheme
Enjoy preferential deposit interest rate, allowing you to earn higher interest returns on your savings in addition to owning your dream home.
- Enjoy same preferential deposit interest rate and mortgage interest rate, where the upper limit of deposits bearing a preferential deposit interest rate is up to 50% of the total mortgage outstanding balance
- Link with a maximum of 3 Designated Current Accounts and share higher interest income with your family
- Provide you with monthly Designated Current Account and Mortgage Account Statement with detailed records at a glance
"Smart" Mortgage Scheme Case Sharing
Mr. Li is applying for a mortgage loan for his new apartment, he wants to use the returns from savings to offset his mortgage interest expenses.
Loan Amount
HK$4,000,000
HK$4,000,000
Loan Tenor
25 years (300 months)
25 years (300 months)
Monthly Savings
HK$5,000
(Assuming that no withdrawal of deposits is made until full repayment of the entire loan)
HK$5,000
(Assuming that no withdrawal of deposits is made until full repayment of the entire loan)
General Mortgage Plan
“Smart” Mortgage Scheme
Annual Mortgage
interest rate
interest rate
Annual Mortgage
interest rate
interest rate
4.125% (P – 1.75%)1
4.125% (P – 1.75%)1
Annual interest rate
of savings account
of savings account
Annual interest rate
of savings account
of savings account
0.875%2
4.125%3
Total Mortgage
interest expenses
interest expenses
Total Mortgage
interest expenses
interest expenses
HK$2,420,056
HK$2,420,056
Total interest income
on Designated
Current Account
on Designated
Current Account
Total interest income
on Designated
Current Account
on Designated
Current Account
HK$177,401
HK$677,503
Total net
interest expenses4
interest expenses4
Total net
interest expenses4
interest expenses4
HK$2,242,655
HK$1,742,553
Total saved
HK$500,102
(Saved 22% on net interest expenses)5
HK$500,102
(Saved 22% on net interest expenses)5
- Annual mortgage interest rate is quoted for reference only, P is the Hong Kong Dollar Prime Lending Rate quoted by Bank of China (Hong Kong) Limited (“The Bank”) from time to time.
- The Savings Deposit Rate is 0.875% on 2024/03/06 (Savings interest rate may vary according to the daily account balance. For details, please contact our staff.)
- "Smart" Mortgage Scheme preferential mortgage interest rate (The upper limit of deposits bearing a preferential interest rate is up to 50% of the total outstanding balance of the mortgage loan. This upper limit will be adjusted in line with the total outstanding balance of the mortgage loan.
- Total net interest expenses = Total mortgage interest expenses - total interest income on Designated Current Account.
- In regards to respective situation, you may refer to “Smart” Mortgage Scheme Calculator for actual calculation.
The above information is for reference only. 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 credit facilities and mortgage shall be subject to the terms and conditions set out in the facility letter and mortgage documents. Please click here for details.
Reminder : To borrow or not to borrow? Borrow only if you can repay !
"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, shorten the repayment tenor and at the same time you can also save interest expenses of up to 50%
- Mortgage interest is calculated based on the daily outstanding net balance* of your mortgage loan, enabling you to save interest expenses
- Mortgage, withdrawal and deposits can be clearly reflected in a single statement
- You can take advantage of your financial flexibility by conducting deposits or withdrawal at your convenience
* Net Balance = Mortgage Balance – Deposits Balance
"All-You-Want" Mortgage Scheme Case Sharing
Mr. Li is applying for a mortgage loan for his new apartment, he wants to use the returns from savings to offset his mortgage interest expenses and to shorten the repayment period.
Loan Amount
HK$4,000,000
HK$4,000,000
Loan Tenor
25 years (300 months)
25 years (300 months)
Monthly Savings
HK$5,000
(Assuming that no withdrawal of deposits is made until full repayment of the entire loan)
HK$5,000
(Assuming that no withdrawal of deposits is made until full repayment of the entire loan)
General Mortgage Plan
"All-You-Want" Mortgage Scheme
Annual mortgage
interest rate
interest rate
Annual mortgage
interest rate
interest rate
4.125% (P – 1.75%)1
4.125% (P – 1.75%)1
Monthly repayment
Amount
Amount
Monthly repayment
Amount
Amount
HK$21,391
HK$21,391
Total mortgage
interest expenses
interest expenses
Total mortgage
interest expenses
interest expenses
HK$2,420,056
HK$1,664,329
Repayment tenor2
Repayment tenor2
300 months
216 months
(shortened by 84 months)3
(shortened by 84 months)3
Total saved
HK$755,727
(Saved 31% on net interest expenses)
HK$755,727
(Saved 31% on net interest expenses)
- Annual mortgage interest rate is quoted for reference only, P is the Hong Kong Dollar Prime Lending Rate quoted by Bank of China (Hong Kong) Limited (“The Bank”) from time to time.
- The repayment tenor for "All-You-Want" Mortgage Scheme 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. 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 in its absolute discretion decide any matters in respect of the above mortgage repayment and redemption arrangements. The above calculation adopts a day-to-day interest basis and assumes that calculating interest starts from 1st January. All the information is for reference only.
- In regards to respective situation, you may refer to "All-You-Want" Mortgage Scheme Calculator for actual calculation.
The above information is for reference only. 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 credit facilities and mortgage shall be subject to the terms and conditions set out in the facility letter and mortgage documents. Please click here for details.
Reminder : To borrow or not to borrow? Borrow only if you can repay !
For the “Key Facts Statement (KFS) for Residential Mortgage Loan”, please click here.
Refinancing and Top Up Mortgage Plan
Improve liquidity to fulfill your goals
- You can make use of your asset’s appraised property value for extra cash flow
- Our mortgage specialists will assist you to evaluate your existing mortgage plan and to advise you on the best mortgage solutions
- Provides comprehensive mortgage solution suited to your needs
Refinancing and Top Up Mortgage Plan Case Sharing
After completing DSE examination, Mr. Li would like to send his son abroad to the U.K., therefore, he needs extra cash flow for his tuition fee and living expenses. As his current property has appreciated considerably over the past 10 years and the current mortgage loan outstanding balance is HK$1,800,000. Let's see how Mr. Li utilize the appraised property value for extra cash flow to send his son abroad.
Particular
10 years before
Purchase Residential Property & Apply for Mortgage
Year-to-date
Apply for Refinancing & Top Up
Property Value
Property Value
HK$4,000,000
HK$8,000,000
Mortgage Loan Amount
(Assume 70%
Loan-to-value Ratio)
(Assume 70%
Loan-to-value Ratio)
Mortgage Loan Amount
(Assume 70%
Loan-to-value Ratio)
(Assume 70%
Loan-to-value Ratio)
HK$2,800,000
HK$5,600,000
New Mortgage Loan
HK$5,600,000
HK$5,600,000
-
The Original Mortgage Loan Remaining Balance
(Mortgage for 10 years)
HK$1,800,000
(Mortgage for 10 years)
HK$1,800,000
=
May Cash Out
HK$3,800,000
HK$3,800,000
The property has appreciated over 10 years and the current mortgage loan outstanding balance is HK$1,800,000. He obtained cash out payment of HK$3,800,000 after refinancing.
- 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 credit facilities and mortgage shall be subject to the terms and conditions set out in the facility letter and mortgage documents.
- The above is subject to terms and condition, please click here for details.
Reminder : To borrow or not to borrow? Borrow only if you can repay !
Digital Experience
“Home Expert” APP
facilitates you to complete your homebuying journey
The “Home Expert” APP , a one-stop online homebuying platform that guides you through every step of your homebuying journey, facilitating you to achieve your homebuying dream in Hong Kong and Greater Bay Area.
Property Purchase
Info
Info
Valuation
Tracker
Tracker
Instant Valuation Service
Property
Portfolio
Portfolio
Mortgage Calculator
Newsletter
Mortgage Application
Valuation Tracker
Property Portfolio
Newsletter
Property Purchase Info*
“Instant Property Search” Service*
“Instant Valuation” Service
“Home Planner” Service
Mortgage Calculator*
“Mortgage Assessment” Service
“Mortgage Application” Service
* Dedicated information and services for the Greater Bay Area is available
Service Channels
Know more about our mortgage service and application process
For the “Key Facts Statement (KFS) for Residential Mortgage Loan”, please click here.
Bank of China (Hong Kong) continuously innovates and advances its mortgageservices, enabling customers to realise their home-buying dreams. Our bankhas also been honoured with the following awards, fully demonstrating theindustry's and customers' recognition and trust in our quality mortgageservices, highlighting our outstanding market position.
Reminder: To borrow or not to borrow? Borrow only if you can repay!
Related Products
- 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 Bank reserves the right to amend and / or withhold the above offer, relevant terms and conditions of the above promotional offers at its discretion.
- Important Notes On Third Party Referral On Loan Application: We will only proceed with a mortgage application referred by a third party appointed by us, and the appointed third party should not charge any fees from the applicant for loan application referral. For enquiries, please contact our Personal Customer Service Hotline at +852 3988 2388.
- In case of any discrepancies between the Chinese and English version of this web page, the Chinese version shall prevail.
- 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.
- 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 Bank reserves the right to amend and / or withhold the above offer, relevant terms and conditions of the above promotional offers at its discretion.
- Important Notes On Third Party Referral On Loan Application: We will only proceed with a mortgage application referred by a third party appointed by us, and the appointed third party should not charge any fees from the applicant for loan application referral. For enquiries, please contact our Personal Customer Service Hotline at +852 3988 2388.
- In case of any discrepancies between the Chinese and English version of this web page, the Chinese version shall prevail.
- 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.
This page is issued by Bank of China (Hong Kong) Limited. Its contents have not been reviewed by any regulatory authority in Hong Kong.
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