For personal applicant, please provide provisional agreement for sale and purchase, Hong Kong Identity Card, latest tax bills for individual income tax, salary statements for the last three months, monthly bank statement or passbook record of a main bank account for the last three months and latest mortgage repayment record.
For corporate applicant, please provide Business Registration Certificate, Certificate of Incorporation, financial statements and bank statements for the last 6 months.

You may access the free property valuation service through the Bank's webpage or Mobile Application or visit any of our branches.

You can apply the “Mortgage Insurance Programme” of The Hong Kong Mortgage Corporation Limited, which offers a mortgage loan of up to 90%* of the purchase price or appraised value (whichever is lower) of the property.

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

You can settle the premium in a lump sum or annually. If a lump sum payment is made, the premium amount will range from 1.15% to 4.35% of the loan amount, depending on the loan-to-value (“LTV”) ratio, loan tenor and the payment method of mortgage insurance premium.

We provides "All-You-Want" Mortgage Scheme and "Smart" Mortgage Scheme.

For white form application of Primary Market, the LTV ratio can be up to 90% of the property value; for green form, the LTV ratio can be up to 95% of the property value.For Secondary Market, the LTV ratio can be up to 95% of the appraised value or transaction price of the property (whichever is lower).

For white form application of Secondary Market, the LTV ratio can be up to 90% of the property value; for green form, the LTV ratio can be up to 95% of the property value.

The maximum LTV ratio for car parking spaces is 40%.

The maximum loan tenor for car parking spaces is 15 years.

“Reverse Mortgage Scheme” enables the elderly to use their self-occupied residential properties as security to borrow from banks. The borrowers will receive monthly payouts from the bank over a repayment term of either a fixed period of 10, 15 or 20 years or their entire life, and can continue to reside in the properties for the rest of their life or until an event of mortgage termination occurs.

Applicant must be a holder of a Hong Kong Identity Card and aged 55 or above. In addition, borrowers are not involved in bankruptcy petition or individual voluntary arrangement.

Our Bank currently provides Secured Overdraft Facility Service to Wealth Management customers. Customers can pledge designated time deposits and designated stocks as security to obtain an overdraft facility.

Secured Overdraft Facility Service is available for Wealth Management customers, who may visit any of our branches for application.

You only need to bring along Identification document, residential address proof and completed Secured Overdraft Facility Application Form for processing the application.

Yes. Designated bonds can be pledged for Bond-Secured Loan. Currently, Bond-Secured Loan is only applicable to Wealth Management customers and corporate customers.

The maximum loan amount of Bond-Secured Loan is up to 95% of the market value of the bonds.

Yes. Designated insurance policies of BOCG Life and China Life Insurance can be pledged for Insurance-Secured Loan. Currently, Insurance-Secured Loan is only applicable to Wealth Management customers and corporate customers.

The maximum loan amount is up to 80% of the surrender value of the pledged insurance policies. The surrender value is displayed in the policy information sheet provided by the insurance company.

Yes. Designated stocks can be pledged for Stock-Secured Loan. Loan ratio will vary depending on individual stocks.