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Corporate Loans
Flexible SME loans for faster financing needs
New HIBOR-based SME Loan
Enjoy Up to 50 Basis Points
Annualised Interest Rate Discount for Online Applications
Enjoy Up to 50 Basis Points
Annualised Interest Rate Discount for Online Applications
New HIBOR-based1 SME Loan
Enjoy Up to 50 Basis Points Annualised Interest Rate Discount for Online Applications*
Enjoy Up to 50 Basis Points Annualised Interest Rate Discount for Online Applications*
*Promotion Period: From now until 31 March 2026, Terms and Conditions apply
New HIBOR-based1 SME Loan
Enjoy Up to 50 Basis Points Annualised Interest Rate Discount for Online Applications*
Enjoy Up to 50 Basis Points Annualised Interest Rate Discount for Online Applications*
*Promotion Period: From now until 31 March 2026, Terms and Conditions apply
Array of loan plans catering to different business needs
Loan Amount and Repayment Period at a Glance
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80% Guarantee Product4
90% Guarantee Product4
Years of Business Operation
2 years or above
One Year or Above
Not Applicable
Maximum Loan Amount
HK$2 million
HK$18 million
HK$8 million
Maximum Repayment Period
5 years
10 Years
8 Years
Offers/Features
• Provision of collaterals and audited financial statements is not required2
• Capital in hand within 48 hours3
• Capital in hand within 48 hours3
• Guarantee fee rebate up to HK$100,0005
• Loan application fee waiver6
• Loan application fee waiver6
• Guarantee fee rebate up to HK$100,0005
• Loan application fee waiver6
• Loan application fee waiver6
- Latest rate and other details of the Bank’s 1-month HIBOR (“H”) is published on the website of The Hong Kong Association of Banks: www.hkab.org.hk [Home>Rates>HKAB HKD Interest Settlement Rates].
- The Bank reserves the right to request any relevant supporting documents/information from the customer.
- Starting from the date when the Bank receives all the required documents for the loan application (excluding Saturdays, Sundays and Public Holidays), the processing time may vary depending on the actual circumstances.
- For details of the "SME Financing Guarantee Scheme", please visit the website of the Hong Kong Mortgage Corporation Limited (“HKMC”) at www.hkmc.com.hk or contact Bank of China (Hong Kong) Limited (BOCHK). The application period of the 80% Guarantee Product and the 90% Guarantee Product is subject to HKMC’s announcements from time to time.
- Guarantee fee will be approved and determined by HKMC Insurance Limited (“HKMCI”) and is subject to the announcement made by the HKMCI.
- This offer is valid for applications received on or before 31 March 2026 and completed drawdown on or before 31 May 2026.
- Anyone is/are entitled to request for a credit report from all credit reference agencies in Hong Kong approved for participation in the Multiple Credit Reference Agencies Model without charge within any twelve-month period respectively to each selected credit reference agency.
The above products, services and promotional offers are subject to the relevant terms and conditions of BOCHK. For more details, please contact BOCHK's staff. BOCHK reserves the right to amend, suspend or terminate the above products, services and offers, and amend their relevant terms and conditions at any time at its absolute discretion without prior notice. In case of any dispute, the decision of BOCHK shall be final.
BOCHK reserves the right to approve and reject the loan application at its absolute discretion. The actual loan amount, interest rate, handling fee and applicable terms and conditions are subject to BOCHK's final approval.
In case of any discrepancy between the Chinese and English versions, the Chinese version shall prevail.
SME customer applies BOC "Small Business Loan" Unsecured Instalment Loan via BOCHK online channel, with interest rate of 1-month HIBOR.
Without
Discount Offer
Discount Offer
With
Discount Offer
Discount Offer
Standard Rate
Hong Kong Dollar Prime Rate
Loan Amount
HK$2,000,000
Loan Tenor
3 Years
Annualised Interest Rate Discount
N/A
HIBOR-based SME Loan Interest Rate Discount (25 Basis Points)
+
SME Loan Online Application Interest Rate Discount (25 Basis Points )
= 50 Basis Points
= 50 Basis Points
Monthly Repayment Amount
Approx. HK$58,200
Approx. HK$57,700
Total Interest Payment
Approx. HK$94,000
Approx. HK$78,000
Interest Rate Discount
N/A
3 yearsApprox. HK$16,000
- Above for reference only, 1-month HIBOR is assumed to be 3%.
- The standard rate will be determined based on customer’s respective financial situation, the final approved rate would be subjected to the Bank's final determination.
- The standard rate will be determined based on customer’s respective financial situation, the final approved rate would be subjected to the Bank's final determination.
Loan Calculator
Customize Your Loan Plan
Customize Your Loan Plan
10,000.00
4,000,000.00
3%
30%
If the Repayment Period is shorter than 1 year, it shall be treated as 1 full year.
Your Custom Loan Plan*
Monthly repayment amount (HK$)
86,066.43
Total repayment amount (HK$) 1,032,797.16
*The calculation is for reference only
Make an online appointment for a corporate loan application in 3 simple steps
1
Complete company information
2
Upload documents#
3
Our Relationship Manager will follow up with applications
#You may consider uploading relevant documents in advance, so that our Relationship Manager could follow up the information before contacting you.
1
Complete company information
2
Upload documents#
3
Our Relationship Manager will follow up with applications
#You may consider uploading relevant documents in advance, so that our Relationship Manager could follow up the information before contacting you.
Other loan plans to match SME business needs
Followed up by Relationship Manager
Online appointment for other Loan ApplicationNot applicable to SME Financing Guarantee Scheme, BOCHK Bill Merchant Loan Program and BOC "Small Business Loan" Unsecured Loan
Online appointment for other Loan ApplicationNot applicable to SME Financing Guarantee Scheme, BOCHK Bill Merchant Loan Program and BOC "Small Business Loan" Unsecured Loan
Flexible Loan Customer Cases
SME Financing Guarantee Scheme
Flexible financing is vital for business development
“Over the past few years, our company has been expanding our business into the GBA and building a new factory. We are fortunate to have BOCHK as our trusted banking partner to support our funding needs.”
KOLN 3D Founder Mr. Edmond Yau
Overcoming business challenges with our trusted banking partner
“The engineering business was severely hit by emergency situation over the past few years. BOCHK has supported us along the way in devising strategy for a more sustainable development. With collaborative efforts, we overcame the adversities with success.”
Golden Leaf Founder & Chief Executive Director Mr. Kenny Ip
Flexible Loan Customer Cases
SME Financing Guarantee Scheme
Flexible financing is vital for business development
“Over the past few years, our company has been expanding our business into the GBA and building a new factory. We are fortunate to have BOCHK as our trusted banking partner to support our funding needs.”
KOLN 3D Founder Mr. Edmond Yau
Overcoming business challenges with our trusted banking partner
“The engineering business was severely hit by emergency situation over the past few years. BOCHK has supported us along the way in devising strategy for a more sustainable development. With collaborative efforts, we overcame the adversities with success.”
Golden Leaf Founder & Chief Executive Director Mr. Kenny Ip
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Useful Information
Reminder : To borrow or not to borrow? Borrow only if you can repay!
The above products, services and offers are subject to terms and conditions.
Corporate Banking
© 2026 BANK OF CHINA (HONG KONG) LIMITED.
ALL RIGHTS RESERVED.
Enjoy Up to 50 Basis Points Annualised Interest Rate Discount
for Online Applications
for Online Applications