Available Home Loan Packages as of April 2025
1 Year Fixed
Fixed interest rates
1 year lock-in
(Minimum loan amount requirement applies)
Year 1: 2.88% Fixed
Year 2: 3M SORA + 0.30%
Year 3: 3M SORA + 0.40%
Year 4: 3M SORA + 0.50%
Thereafter: 3M SORA + 0.60%
- One free conversion after 12 months
Legal and valuation subsidy for refinancing only
Loan amount above 500K - $2,000
1-Month SORA
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1M SORA + 0.55%
Year 2: 1M SORA + 0.60%
Year 3: 1M SORA + 1.10%
Thereafter: 1M SORA + 1.10%
- One free conversion after 12 months
- Up to 50% partial payment is allowed during lock-in
Legal and valuation subsidy for refinancing only
- 0.4% of loan amount, capped at $2,500
3-Month SORA
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.45%
Year 2: 3M SORA + 0.45%
Year 3: 3M SORA + 0.45%
Thereafter: 3M SORA + 1.00%
- One time free conversion after 6 months
Subsidy is applicable to both purchase and refinancing
- Legal subsidy 0.30% of loan amount, capped at $2,000
- Valuation subsidy $500 for loan amount above 800K
3-Month SORA (Green Mortgage)
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
(Only applicable to selected properties with GREEN MARK certification)
Year 1: 3M SORA + 0.45%
Year 2: 3M SORA + 0.45%
Year 3: 3M SORA + 0.60%
Thereafter: 3M SORA + 1.00%
- One free conversion after lock in period
- Must take up BOC credit card
Legal subsidy for refinancing only
- 0.40% of loan amount, capped at $1,800
