The Bank of East Asia

Personal Banking

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HIBOR Mortgage Plan

Key Facts Statement/Schedule of Fees and Charges

Special Features

  • Mortgage interest rate is based on Hong Kong Interbank Offered Rate ("HIBOR")1
  • To help you plan your repayment, on the loan drawdown date and every renewal date, the mortgage interest rate for the next interest period will be the lower of (i) the interest rate cap or (ii) the applicable HIBOR2-based interest rate
  • Loan tenor of up to 30 years

Special Privileges

  • Waiver of the valuation fee
  • Cash rebate of HK$800 for successfully online application

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The website auxiliary function is being optimized. If you encounter difficulties in using it, please contact contact any branch nearby or call 36088686 and we will provide appropriate assistance. 


You can also join the Mortgage Insurance Programme, where the mortgage loan amount can be up to 90% of your property's value3.  Please click here for details.



The Mortgage Insurance Programme is provided jointly by BEA and The Hong Kong Mortgage Corporation Limited 


1 HIBOR is the interest rate on lending and borrowing between banks in the Hong Kong interbank market.

2 Based on the HKD Interest Settlement Rates published daily after 11 a.m. (Hong Kong time) by the Hong Kong Association of Banks.

3 Must comply with the terms and conditions of the Mortgage Insurance Programme (MIP). MIP is operated by HKMC Insurance Limited (HKMCI) which is a wholly owned subsidiary of The Hong Kong Mortgage Corporation Limited.

Note: The above information is for reference only. All applications are subject to BEA's credit requirements and final approval. BEA reserves the sole right to vary or cancel the above offers and/or amend or alter the related terms and conditions at any time without prior notice.
To borrow or not borrow? Borrow only if you can repay!
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