Privileges for mortgage customers

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


  • Public Housing Mortgage Offer1
    Up to HK$500 welcome reward
  • Digital Application Offer2
    Up to HK$400 BoC Pay merchant e-Coupons
  • 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$1,000 reward
  • Complimentary instant property valuation and mortgage consultation service
  • First 6-month premium waiver for "Premier Home Comprehensive Insurance"3 Premium (applicable to Basic Benefit Plan 1) or discounts offers
  • Enjoy premium discount upon enrollment for Fire Insurance
  • Preferential interest rate and handling fee waiver for Personal Loan4
  • Annual fee waiver of BOC Credit Card* throughout the entire mortgage period(*Exclude Visa Infinite Card)


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

Investment and FX Trading Services involve risks.



  1. HK$500 Welcome Reward including extra HK$100 Supermarket Coupon with a successful application of “Home Ownership Scheme Mortgage Loan” at Lok Fu branch or designated service points^ on or before 30 June 2023, and an extra total of HK$400 BoC Pay Merchant e-Coupons with completion of all of the following items, including: i) drawn down the Mortgage Loan, ii) binding the BoC Pay ("BoC Pay") with BOC UnionPay Credit Card issued in Hong Kong bearing the BOC logo and/or Smart Account and/or Payment Account ("BoC Pay") for receiving BoC Pay Merchant e-Coupons, iii) downloading and activating the BOCHK Mobile Application, iv) downloading the "Home Expert" Mobile Application, and v) customers opt to receive electronic version of statement/notification for all services under BOCHK, on or before 30 September 2023.

  2. 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, and bind BoCPay with BOCHK Credit Card, Smart Account and/or Payment Account, plus complete any 2 of the following items: register for "Payroll Account", open "Wealth Management" I "Enrich Banking" service, enroll in home insurance which is eligible for mortgage customers, apply for BOCHK Credit Card, successfully login to BOCHK Internet Banking / Mobile Banking, can enjoy extra HK$400 BoC Pay merchant e-Coupons.

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

  4. 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.