Dedicated 100% Loan Guarantee Scheme 

Bank of China (Hong Kong) Limited fully supports the “Dedicated 100% Loan Guarantee Scheme”1 (“The Scheme”) launched by HKMC Insurance Limited (HKMCI). The Scheme is now open for applications.

Eligible Entity Licensed Travel Agents Local Tour Coach Owners Cross-boundary Tour Coach Owners Cross-boundary Hire Car Owners Cross-boundary Ferry Owners/ Operators

Maximum Loan Amount


Number of Employees Maximum Loan Amount

100,000 per eligible tour coach

100,000 per eligible cross-boundary coach

 80,000 per eligible cross-boundary hire car 

2,000,000 per eligible cross-boundary ferry

1-10 1,000,000
11-49 2,500,000
50 or above 5,000,000
Use of Proceed2 General working capital for business resumption Repair and/or maintenance of and buying comprehensive insurance for the relevant vehicle(s) or vessel, etc. for the Borrower’s resumption of business.
Maximum Loan Period 10 years
Overall Interest Rate Hong Kong Prime Rate (as specified by The Hong Kong Mortgage Corporation Limited (“HKMC”) from time to time) minus 2.5% per annum
Repayment Term
  • The Loan shall be repaid by monthly instalments and be fully amortized by the end of the repayment period.
  • Upon the Borrower’s application, a principal repayment holiday up to twelve (12) months at any time on or after Loan Drawdown.
Application Period 29 April 2023 to 28 October 2024 


Promotion Code: DLGS

Reminder: To borrow or not to borrow? Borrow only if you can repay!

Application Hotline +852 3988 2288


  1. For details of the “Dedicated 100% Loan Guarantee Scheme”, please visit the website of HKMC at or contact Bank of China (Hong Kong) Limited (BOCHK).
  2. The relevant loan and credit facility cannot be used for repaying, restructuring or repackaging other loans borrowed from BOCHK or any third parties.
  • 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. 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 and HKMCI’s final approval.
  • In case of any discrepancy between the Chinese and English versions, the Chinese version shall prevail.