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

Prime-based Mortgage Plan

Bank of China (Hong Kong)'s Prime-based Mortgage Plan enables you to realize your dream of owning a home. The Plan features a long repayment period, preferential interest rate, comparatively stable monthly payment as Prime rate generally does not fluctuate to a large extent.

High Loan Amount with Long Repayment Period

  • Up to 90%1 of the appraised value or purchase price of the property, whichever is lower2
  • Long repayment period up to 30 years

If the loan-to-value ratio is over 70%, customers are required to apply for "Mortgage Insurance Programme".

2Only applicable to First-Time-Home-Buyer who fulfilled related requirements by mortgage insurance company.

Interest Rate and Cash Rebate

  • Competitive mortgage interest rate and cash rebate

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 of 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. 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.