Bank of China First-Time Program

Bank of China First-Time Program’s 75% LTV is on par with OCBC First-Time Buyer, but its conservative underwriting demands a 2-year payment history, a stricter requirement than 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.

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