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Bank of Communications (Hong Kong) Limited "BoCom (Hong Kong)" Mortgage Loan Service enables you to realize your home-owning plans with ease. We offer comprehensive array of preferential interest rates and mortgage services, catering to your diverse needs on home financing.
We offer loan amount up to 90%1 of the purchase price or appraised property value (whichever is lower), and repayment period up to 30 years, allowing you the flexibility to select the financial plan that suits you best.
Preferential Mortgage Interest Rates
Our diversified preferential mortgage interest rates are available for your selection upon successful completion of the application process.
Considering interest rate fluctuations and your financial needs you may choose to repay within a fixed period or by a fixed installment amount. You may also choose either the monthly or bi-weekly repayment scheme to achieve your financial objectives.
Our comprehensive Mortgage Loan Services also cover the "Home Assistance Scheme", the "Home Ownership Scheme" and the "Tenants Purchases Scheme"; there is always one that is suitable for you.
Upon successful application and drawdown the mortgage loan amount in full, you will be entitled to the following exclusive privileges:
- Application fee waiver and free verbal valuation service
- Credit Card annual fee waiver within the repayment period
- Special discounts on insurance products from designated insurance companies
- BcCom (Hong Kong) FORTUNE Services maintenance fee special offer
Simple Application Procedure
Simply bring along your identity documents, preliminary sales & purchase agreement, and income proof (such as the latest tax bill, salary slip and payroll account records) to any of our outlet or sub-outlets in person to apply for mortgage loan services.
Comprehensive Preferential Mortgage Plans
Catering your various financial requirements, BcCom (Hong Kong) offers a comprehensive selection of mortgage plans.
Residential Mortgage Plans
Mortgage Income Account
- A mortgage plan that linked to your deposit account, giving you greater flexibility in managing your wealth
- Hold a mortgage account and a deposit account at preferential interest rates
- Enjoy the preferential interest rate equivalent to the mortgage loan interest rate
- Annual fee waiver
Mortgage Insurance Plan
- Required down payment of as low as 10%1 of the property purchase price
- Loan amount up to 90%1 of the property purchase price or appraised property value (whichever is lower)
HIBOR Mortgage Plan
- A mortgage plan with the Hong Kong Interbank Offered Rate (HIBOR) as the basis, provides better reflection of the interest rate market trends compared with the one using Hong Kong Dollar Prime Rate as the basis.
- The interest rate will purely follow the movement and simply follows the fluctuation of HIBOR, protects you from the fluctuation of Hong Kong Dollar Prime Rate. Enables you to capture a lower mortgage rate.
Investment Property Mortgage Plan
- Provides preferential mortgage interest rate for investors to achieve higher financial returns
- Applicable to properties under personal or shell-company account
Government Housing Scheme Mortgage Plans
Home Ownership Scheme -
Loan amount up to 95% of the purchase price or the appraised property value (whichever is lower)
Tenants Purchase Scheme -
Loan amount up to 100% of the purchase price or the appraised property value (whichever is lower)
Both schemes offer following privileges:
- Preferential mortgage interest rates
- Fabulous cash rebate
- Repayment period up to 25 years
- Applicable to new or second-hand property
- Fixed repayment period or fixed repayment amount
- Other exclusive privileges:
- Application handling fee waiver and free verbal valuation service
- Annual fee waiver for BoCom(Hong Kong) Credit Card2 within the repayment
- Special discounts on insurance products from designated insurance
- Loan amount up to 90% of the purchase price or appraised value for application of "Mortgage Insurance Program" offered by the Hong Kong Mortgage Corporations Ltd.
- The annual fee waiver for BoCom (Hong Kong) credit card is only applicable to primary cardholder only.
- For mortgage loan amount exceeding 60% of the property purchase price or appraised property value (whichever is lower), the customer must apply the "Mortgage Insurance Programme" offered by the Hong Kong Mortgage Corporation Ltd.
- The above information is for reference only. For details, please contact our branch staff.
- In case of any discrepancies between the English and Chinese versions, the Chinese version shall prevail.
- We reserve the right to amend the above content from time to time without prior notice.