For the "Key Facts Statement (KFS) for Residential Mortgage Loan", please click here.

Government Housing Scheme Mortgage Plan

Your dream is now within easy reach

With Bank of China (Hong Kong)'s Government Housing Scheme Mortgage Plan, you can enjoy our professional and comprehensive mortgage services. Owning your dream home has never been easier.

High Loan Amount

Home Ownership Scheme

  • Primary Market: Loan amount of up to 90% (White Form) or 95% (Green Form) of purchase price
  • Secondary Market: Loan amount of up to 95% of appraised value or transaction amount of the property (whichever is lower)


Tenant Purchase Scheme

  • Loan amount of up to 100% of purchase price#

# Excluding the deposit / Intention Money paid to the Hong Kong Housing Authority.

Long Repayment Tenor with Flexible Repayment

With repayment tenor of up to 25 years, you can repay your loan monthly or bi-weekly with ease.

Saving Interest Expenses

  • To save interest expenses, you may increase your instalment amount or make partial* or full repayment according to your financial status. Best of all, no handling fee will be levied on partial or full prepayment.

*The partial prepayment amount must be at least HK$5,000 or its multiple

Exclusive Privileges

  • Fee waivers on instant property valuation, mortgage enquiries and the like
  • Application fee waiver
  • No prepayment fee*
  • Enjoy premium discount upon enrollment for Fire Insurance and / or Home Insurance via the Bank
  • Annual fee waiver of BOC Credit Card throughout the entire mortgage period

* The partial prepayment amount must be at least HK$5,000 or its multiple

Simple Application Step

Act now and make online appointment for mortgage application!

For details, please call our Mortgage Service Hotline at +852 3669 3233 or visit any of the branches of BOCHK.

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

Terms and Conditions:

  • 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.
  • Fire Insurance and Home Insurance are underwritten by Bank of China Group Insurance Company Limited ("BOCG Insurance"). The Bank is one of the insurance agents of BOCG Insurance. Details of the coverage are subject to the policy documents issued by BOCG Insurance.
  • 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 without prior notice.
  • In case of any discrepancies between the Chinese and English version of this web page, the Chinese version shall prevail.