Reverse Mortgage Programme

Reverse mortgage enables customer to pledge self-occupied residential property in Hong Kong to borrow from a bank. Customer will receive monthly payouts over a chosen payment term.

  • Offers greater financial flexibility after retirement
  • Exclusive privileges

Offers Greater Financial Flexibility After Retirement

  • Flexible payment term - Customer can choose to receive monthly payouts for either a fixed period of 10, 15 or 20 years or entire life according to his / her own needs.
  • Lump-sum loan - In addition to monthly payouts, customer may also apply to borrow lump-sum loan(s) to suit the customer’s personal needs.
  • Residing in his / her own home - After taking out a reverse mortgage loan, customer still entitled to continue to stay in the property for the rest of his / her life.
  • No repayment during lifetime - Customer does not need to repay the outstanding loan amount during his / her life, unless the reverse mortgage loan is terminated under certain specified circumstances.
  • No penalty for early full repayment - Customer may fully repay the outstanding loan amount and redeem the property at any time, and there is no penalty for such full repayment.

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.
  • Extra Referral Reward:
    From now until 31 December 2024, customers refer friends and family to reserve and complete the free property valuation and consultation service could enjoy the below rewards, details as the following: 
  • A Referrer could get HKD200 cash reward*
  • A Referee could get HKD200 supermarket coupon*

    Click here to download the Referral Form , The Referee(s) should submit this Referral Form before or during the consultation service  for Reverse Mortgage Loan to the Bank of China (Hong Kong) Limited (“BOCHK”) Contact Center
    * Rewards are limited and available on a first-come-first-served basis, while stock lasts.

For details, please call our Reverse Mortgage Service Hotline at +852 2278 3399

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.


For details of the above, please refer to the Terms and Conditions. The terms & conditions of the services delivered through this channel will be provided exclusively in electronic format. For enquiries please contact Online Chat.