Portable Fixed-Rate Mortgage Scheme

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

Portable Fixed-Rate Mortgage Scheme has a unique Portable feature allowing customers to better manage their finances and plan for their future with flexibility.

  • Lock in loan expenses
  • Exclusive privileges
  • Simple application step

Lock in Loan Expenses

  • Lock in loan expenses for better expenses control and planning.
  • Flexibility of transferring the fixed-rate loan features under the Portable Fixed-rate Mortgage Scheme approved for the previous property to a new property mortgage during the fixed-rate period.
Portable fixed-rate loan amount Subject to a minimum of HKD1,000,000 and a maximum of the outstanding loan amount of the Original Scheme
Portable fixed-rate period The remaining years in the fixed-rate period under the Original Scheme
Portable fixed interest rate (p.a.) The fixed interest rate under the Original Scheme
Porting window 6 months during which both the redemption of the previous property and purchase of the new property (i.e. drawdown of the new facility) must be completed

Exclusive Privileges

  • Fee waivers on instant property valuation, mortgage enquiries and the like.
  • Enjoy premium discount upon enrollment for Fire Insurance and/or Home Insurance via the Bank.
  • Annual fee waiver for BOC credit card throughout the entire mortgage period.

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. 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 credit facilities and mortgage shall be subject to the terms and conditions set out in the facility letter and mortgage documents.
  • 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 offers, and the relevant terms and conditions at its discretion without prior notice.
  • In case of any discrepancy(ies) between the Chinese and English versions of this web page, the Chinese version shall prevail.