“SFGS 80% Guarantee Product”
Selected Exporters Can Enjoy Upgraded Reward
BOCHK supports SMEs with flexible loan solutions and multiple interest rate basis, tailored to your operational and development needs. Now with a limited-time offer to help you manage cash flow with ease.
From now till 30 June 2026, SME customers applying for SME loan and fulfilling specified criteria and successfully drawdown on or before 30 September 2026, can enjoy SME Loan Double Rewards as follows.
SME Loan Online Application Interest Rate Discount
25 Basis Points Annualised Interest Rate Discount1
Apply to 1-month HIBOR-based2 SME Loan and Prime Rate-based3 SME Loan.
“SFGS 80% Guarantee Product” Instalment Loan Cash Rebate
HK$3,888
Cash Rebate1
If a customer is eligible for multiple cash rebate offers, such offers cannot be used in conjunction, and the more favourable offer shall prevail.
In support of the “SME Protect Plus” Pilot Scheme launched by the Hong Kong Export Credit Insurance Corporation (HKECIC) for policyholders holding “Small Business Policy” (SBP) , BOCHK has specially introduced an exclusive loan offer for SBP holders. This enables SMEs to enjoy export risk protection while reducing financing costs for export business expansion.
From now until 30 September 2026, SME customers applying for SME loan and fulfilling specified criteria and successfully drawdown on or before 30 November 2026 can enjoy the following upgraded reward.
Exclusive Loan Offer for
Selected “Small Business
Policy”7 Holders
Offer Up to HK$10,000 Cash Rebate1
(Including “SME Financing Guarantee Scheme - 80% Guarantee Product” instalment loan and
BOC “Small Business Loan” Unsecured Instalment Loan)
Instalment Loan Drawdown Amount |
Cash Rebate Amount |
|---|---|
HK$2,000,000 or above |
HK$10,000 |
HK$1,000,000 - HK$1,999,999 |
HK$5,000 |
HK$500,000 - HK$999,999 |
HK$2,500 |
Mr. Chan operates an SME engaged in exporting home decoration products. Before exporting, he often needs to allocate funds in advance for product manufacturing and to cover daily operating expenses.
To meet his funding needs and strengthen export risk protection, Mr. Chan applied for a “Small Business Policy” from the Hong Kong Export Credit Insurance Corporation, and “SME Financing Guarantee Scheme - 80% Guarantee Product” Instalment Loan via BOCHK’s online banking in the name of his company.
- Interest rate basis: Prime Rate-based
- Loan amount: HK$2 million
- Loan tenor: 3 years
Total Interest Saved in 3 Years
Cash Rebate
Above for reference only, PRIME-RATE is assumed to be 5%.
Loan Interest Rate Basis |
1-month HIBOR-based2 |
Prime Rate-based3 |
|---|---|---|
Feature |
Interest expenses closely track with the movements of the market rate. |
Interest rates is relatively stable, more control over your budget |
- 80% Guarantee Product4
- Loan Amount up to HK$18 Million
- Loan tenor up to 10 years
- Guarantee fee rebate up to HK$100,0005
- Loan application fee waiver6
Unsecured Loan
- Loan Amount up to HK$2 Million
- Loan tenor up to 5 years
- Provision of collaterals and audited financial statements is not required8
- Fund will be available as quick as 48 hours9
Apply for
SME 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”, “SFGS 80% Cash Rebate” and “Exclusive Loan Offer for Selected “Small Business Policy” Holders”
- SME customers shall meet the following criteria to be eligible for the privilege (“Eligible SME customers”):
SME Loan Online Application Interest Rate Discount SFGS 80% Cash Rebate Exclusive Loan Offer for Selected “Small Business Policy” Holders Promotion Period Apply from 1 January 2026 to 30 June 2026 (both dates inclusive) and drawdown on or before 30 September 2026 Apply from 1 April 2026 to 30 June 2026 (both dates inclusive) and drawdown on or before 30 September 2026 Apply from 12 May 2026 to 30 September 2026 (both dates inclusive) and drawdown on or before 30 November 2026 Offer Standard loan annualised interest rate minus 25 Basis Points HK$3,888 Cash Rebate Up to HK$10,000 Cash Rebate Applicable Product “SME Financing Guarantee Scheme - 80% Guarantee Product” and BOC "Small Business Loan“ Unsecured Loan “SME Financing Guarantee Scheme - 80% Guarantee Product” Instalment Loan “SME Financing Guarantee Scheme - 80% Guarantee Product” Instalment Loan and BOC "Small Business Loan“ Unsecured Instalment Loan Eligibility - Successful online application (including BOCHK Internet Banking, BOCHK Mobile Application) of SME Loan during the aforementioned promotion period
- Apply to 1-month HIBOR-based SME Loan and Prime Rate-based SME Loan
- Successful application of “SME Financing Guarantee Scheme - 80% Guarantee Product” Instalment Loan during the aforementioned promotion period
- The minimum drawdown amount is HK$1,000,000
- Successful application of the above applicable product during the aforementioned promotion period and drawdown the loan
- The minimum drawdown amount is HK$500,000
- Customer is required to provide the documentary proof of holding HKECIC’s “Small Business Policy”
- Each eligible customer is entitled to cash rebate of up to a maximum of HK$10,000. The cash rebate amount shall be calculated as follows:
Instalment Loan Drawdown Amount Cash Rebate Amount HK$2,000,000 or above HK$10,000 HK$1,000,000 - HK$1,999,999 HK$5,000 HK$500,000 - HK$999,999 HK$2,500
- Eligible SME customers can enjoy the above Annualised Interest Rate Discount(s) and/or Cash Rebate 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 “SFGS 80% Cash Rebate” reward will be directly credited to the BOCHK repayment account of the eligible SME customers on or before 30 November 2026 without prior notice.
- The cash rebate reward of “Exclusive Loan Offer for Selected “Small Business Policy” Holders” will be directly credited to the BOCHK repayment account of the eligible SME customers on or before 28 February 2027 without prior notice.
- The status of the eligible SME customers’ BOCHK repayment accounts must be normal and valid, and without any overdue record or in breach of the relevant Terms and Conditions when the cash rebate is credited by BOCHK. Otherwise, BOCHK reserves the right to cancel the cash rebate without prior notice. If BOCHK has already credited the cash rebate to the customer’s account and customer early settles the loan, BOCHK reserves the right to charge eligible SME customer an amount equivalent to the amount of the cash rebate granted. If eligible SME customers fail to meet the relevant requirements at the time the cash rebate reward is credited, BOCHK reserves the right to withdraw the reward.
- Eligible SME customers can enjoy the “SFGS 80% Cash Rebate” or “Exclusive Loan Offer for Selected “Small Business Policy” Holders” cash rebate once during the promotion period, if a customer is eligible for multiple cash rebate offers, such offers cannot be used in conjunction, and the highest value offer shall prevail. Redemption records are subject to the records of BOCHK. In case of repeated application for collection or any fraudulent activities involved in the collection of cash rebate for the promotion, BOCHK reserves the right to terminate the eligibility for award and reserves the right to receive an amount equal to the cash rebate already obtained. The offer cannot be used in conjunction with any other cash rebate offer.
- 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 (“Eligible SME customers”):
- 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.
- 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 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.
- This offer is valid for applications received on or before 31 March 2027 and completed drawdown on or before 31 May 2027.
- For details of Hong Kong Export Credit Insurance Corporation’s (HKECIC) “Small Business Policy”, please visit HKECIC’s website at www.ec-reach.com.hk.
- 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.
- 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.
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- 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.