Bank of China HK H-Plan Mortgage

BOC HK offers a HIBOR + 1.3% H-Plan with one of the most competitive cash rebate schedules in the market — up to 2.5% for loan amounts above HK$5 million — and a P-plan alternative at P - 3.5% for borrowers who prefer rate predictability. BOC HK is the preferred lender for Mainland Chinese buyers and Hong Kong permanent residents with income in CNY, offering bilingual documentation and Mainland income acceptance. A dedicated GBA mortgage desk supports cross-border buyers from Guangdong province.