Bank of China First-Time Program

Bank of China First-Time Program’s 75% LTV is on par with #7 OCBC First-Time Buyer, but its conservative underwriting demands a 2-year payment history, a stricter requirement than #5 HSBC's 2-year payslip policy. Interest rates start at 2.6% APR, and the maximum loan amount is HK$4 million. This rigorous approach ensures low default risk, suitable for stable-income buyers. Verified April 2026 via BOC official website.