For the "Key Facts Statement (KFS) for Residential Mortgage Loan" and “General Terms and Conditions for Mortgage Loan Facility”, please click here.

Mortgage Insurance Programme

Owning your ideal home with a down payment of only 10%

Owning a cozy home has never been easier with Bank of China (Hong Kong)'s "Mortgage Insurance Programme". With only 10% down Payment*, you can make your dream come true much earlier.

* Only applicable to First-Time-Home-Buyer who fulfilled related requirements by mortgage insurance company


Mortgage Insurance Programme to Suit Your Needs

  • "Mortgage Insurance Programme"
    • A single mortgage account provides you with a loan amount of up to 90%* of the appraised property value or transaction amount (whichever is lower). You can enjoy one-tier interest rate throughout the loan period
    • Loan tenor of up to 30 years
    • Insurance premium can be integrated into the loan amount


Loan amount and loan tenor may vary from case to case and are subject to the final approval.

* Only applicable to First-Time-Home-Buyer who fulfilled related requirements by mortgage insurance company

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.

Premium Rate Table of "Mortgage Insurance Programme"

Please refer to the website of HKMC Insurance Limited for the mortgage insurance premium rate table of the “Mortgage Insurance Programme".

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 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.