Privileges for mortgage customers

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


  • Digital Application Offer1
    Up to HK$400 Cash Reward
  • Apply for mortgage together with BOCHK Payroll Account / holding single-name securities account and conduct stock transaction via “PickAStock” function / Foreign Exchange Service successfully
    Up to HK$2,000 reward
  • Complimentary instant property valuation and mortgage consultation service
  • Discount offers for "Premier Home Comprehensive Insurance"2
  • Enjoy premium discount upon enrollment for Fire Insurance
  • Preferential interest rate and handling fee waiver for Personal Loan3
  • Annual fee waiver of BOC Credit Card* throughout the entire mortgage period(*Exclude Cheers Card)


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

Investment and FX Trading Services involve risks.



  1. Customers who successfully apply for the Bank of China (Hong Kong) Limited ("BOCHK") Mortgage loan via "Instant Mortgage Application" Service of BOCHK "Home Expert" Mobile APP or BOCHK Website; and if such mortgage loan is successfully drawn, plus complete any 4 of the following items: bind BoC Pay with BOCHK Credit Card, Smart Account and/or Payment Account, open “Wealth Management” / “Enrich Banking” service, enroll in Home Insurance / Fire Insurance which is eligible for mortgage customers, apply for BOCHK Credit Card, can enjoy extra HK$400 Cash Reward. 

  2. Underwritten by Bank of China Group Insurance Co. Ltd.

  3. For offer details, please contact BOCHK branch staff.

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.