New HIBOR-based
SME Loan Plan
Flexible Interest Rate Basis to Seize
Market Opportunities
BOCHK has introduced the HIBOR-based (Hong Kong Interbank Offered Rate) SME loan plan, helping you to closely track with the market interest rate movement. To flexibly meet your financial needs, you can apply for either HIBOR-based SME loan or Prime Rate-based SME loan at your own choice.
HIBOR-based SME Loan Interest Rate Discount
25 Basis Points Annualised Interest Rate Discount
Apply to 1-month HIBOR-based2 SME Loan
SME Loan Online Application Interest Rate Discount
25 Basis Points Annualised Interest Rate Discount
Apply to 1-month HIBOR-based SME Loan and Prime Rate-based3 SME Loan
= Up to 50 Basis Points Interest Rate Discount
SME customer applies BOC "Small Business Loan" Unsecured Instalment Loan
via BOCHK online channel, with loan amount HK$2 million, loan tenor 3 years and
interest rate of 1-month HIBOR.
Without Discount Offer:
Monthly Repayment Amount: approx. HK$58,200
Total Interest Payment: approx. HK$94,000
(25 Basis Points)
+
SME Loan Online Application Interest Rate Discount
(25 Basis Points )
Amount: approx. HK$57,700
Total Interest Payment: approx. HK$78,000
Total Interest
Saved in 3 Years:
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.
(1) Apply BOC "Small Business Loan" Unsecured Instalment Loan
via BOCHK online channel or
(2) BoC Bill merchant applies BOC "Small Business Loan"
Unsecured Instalment Loan or
(3) BoC Bill merchant applies SFGS 80%/90% Guarantee Products
via BOCHK online channel
Enjoy 50 Basis Points Annualised Interest Rate Discount!
Corporate customer applies BOC "Small Business Loan" Unsecured Instalment Loan via BOCHK online channel, with loan amount HK$2 million and loan tenor 3 years, with standard loan interest rate at HKD PRIME Rate.
Without Discount Offer:
Monthly Repayment Amount: approx. HK$60,100
Total Interest Payment: approx. HK$162,000
Instalment Loan：
25 Basis Points Annualised Interest Rate Discount
+
Apply online：
25 Basis Points Annualised Interest Rate Discount
= Total
Amount: approx. HK$59,600
Total Interest
Payment: approx. HK$146,000
Total Interest
Saved in 3 Years:
HK$16,000
-
Hong Kong Dollar Prime Rate: 5.125%
-
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
Business Loan" Unsecured Loan
up to
HK$2 Million
- Provision of collaterals and audited financial statements is not required4
- Fund will be available as quick as 48 hours5
- 80% Guarantee Product6
up to
HK$18 Million
- Loan tenor up to 10 years
- Guarantee fee rebate up to HK$100,0007
- Loan application fee waiver
- 90% Guarantee Product6
up to
HK$8 million
- Loan tenor up to 8 years
- Guarantee fee rebate up to HK$100,0007
- Loan application fee waiver
Apply for
Small Business Loan Online
in 3 Simple Steps
# You may consider uploading relevant documents in advance, so that our Relationship Manager could follow up the information before contacting you.
Corporate Customer Service Hotline:
+852 3988 2288
(Service Hours: 9am-6pm Monday to Friday, 9am-1pm Saturday, except public holidays)
Reminder: To borrow or not to borrow? Borrow only if you can repay!
The above products, services and offers are subject to the terms and conditions.
- Terms and conditions for SME Loan Online Application Interest Rate Discount and HIBOR-based SME Loan Interest Rate Discount
- SME customers shall meet the following criteria to be eligible for the privilege:
SME Loan Online Application Interest Rate Discount HIBOR-based SME Loan Interest Rate Discount Promotion Period Apply from 1 January 2026 to 31 March 2026 (both dates inclusive) and drawdown on or before 31 May 2026 Apply from 19 January 2026 to 31 March 2026 (both dates inclusive) and drawdown on or before 31 May 2026 Offer Standard loan annualised interest rate minus 25 Basis Points Eligibility Successful online application (including BOCHK Internet Banking, BOCHK Mobile Application) of SME Loan during the aforementioned promotion period Successful application of 1-month HIBOR-based SME Loan during the aforementioned promotion period - Eligible SME customers can enjoy the above Annualised Interest Rate Discount offer, the standard loan annualised interest rate will be determined based on customer’s respective financial situation, and the final rate would be subjected to BOCHK (“the Bank”) final determination.
- The Bank reserves the rights to suspend, amend or terminate the above promotion offers and to amend the relevant terms at any time at its sole discretion without prior notice.
- Above promotion offer is not applicable for cases handled by Commercial Centre.
- The above information is for reference only. In case of any dispute, the decision of BOCHK shall be final.
- SME customers shall meet the following criteria to be eligible for the privilege:
- 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 Hong Kong Dollar Prime Rate will be subject to the rate as quoted by the Bank from time to time.
- 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 HKMCI.
- Each customer must fulfill the requirements of BOCHK. Approval of the loan amount, repayment tenor and interest rate are all subject to the final decision of BOCHK without providing any reason.
- The above information is for reference only. In case of any dispute, the decision of BOCHK shall be final. BOCHK may in its absolute discretion to reject loan application without assigning any reason. Loan shall be subject to the terms and conditions set out in the facility documents.
- Should there be any discrepancy between the English and Chinese versions of this promotion material, the Chinese version shall prevail.
- In case of any dispute, BOCHK reserves the right of final decision.
- BOCHK reserves the right to amend, suspend or cancel the above products, services or offers and revise the relevant terms at any time.
- The above products, services and offers are only applicable to SME customers.
- The above products, services and offers are subject to relevant terms and conditions. For details, please refer to relevant promotion materials or contact BOCHK staff.
- Please download mobile application from official application stores or BOCHK website, and ensure the search working is correct.
- iPhone or iPad users may download BOCHK Mobile Applications via App Store; Android users may download BOCHK Mobile Applications via Google Play, and Huawei AppGallery or BOCHK website.
- 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 the registered trademarks of Google Inc.. Huawei AppGallery is provided by Huawei Services (Hong Kong) Co., Limited. HUAWEI EXPLORE IT ON AppGallery and the HUAWEI EXPLORE IT ON AppGallery logo are the registered trademarks of Huawei Technologies Co., Limited.
- Customers are responsible for the relevant data charges incurred by downloading and/or using BOC mobile app and/or Mobile/Internet Banking.
- By using BOCHK Mobile and/or BOCHK Internet Banking, the viewer agrees to be bound by the content of the disclaimer as it may be amended by BOCHK from time to time and posted on BOCHK Mobile Application and/or Internet Banking.