Bank of China home loan rates
Ranked by advertised rate, Bank of China's lowest advertised rate we track is 6.18% advertised (6.38% comparison) on the Discount Home Loan - owner-occupier, P&I - 3rd of 31 lenders we track. Rates as at 31 Oct 2026. Sourced from the lenders' own published figures, read daily from public, standardised open data feeds under the Consumer Data Right. See our methodology.
Its lowest variable home loan rate we track is 6.18% advertised (6.38% comparison) on the Discount Home Loan - owner-occupier, P&I; its lowest fixed home loan rate we track is 6.59% advertised (8.39% comparison) on the Fixed Rate Home Loan, 2-year term. Rates as at 31 Oct 2026.
We track 8 Bank of China owner-occupier products; every figure is read daily from public, standardised open data feeds under the Consumer Data Right. Rates as at 31 Oct 2026. See our methodology.
At the lowest advertised rate we track - 6.18% on the Discount Home Loan - owner-occupier, P&I - the monthly principal-and-interest repayment on a $600,000 loan over 30 years is about $3,667 a month (an arithmetic example, not a quote or an offer). Rates as at 31 Oct 2026.
Bank of China since the 29 Sept 2026 RBA decision
The RBA's cash rate target moved from 4.35% to 4.60% (+25 bp) after its decision announced 29 Sept 2026.
Bank of China has changed 3 variable rates in its published data since:
- Discount Home Loan - owner-occupier, P&I5.93% → 6.18%(+25 bp)matches the cash rate move
- Discount Plus Home Loan - owner-occupier, P&I5.93% → 6.18%(+25 bp)matches the cash rate move
- Standard Variable Rate Home Loan - owner-occupier, P&I8.39% → 8.64%(+25 bp)matches the cash rate move
Lenders can announce a change before it takes effect; the tracker shows it once it appears in their published data. The tracker compares the owner-occupier, principal-and-interest variable rates we track, so a change to a loan we don't track won't show here. Dates are the day a new rate first appeared in the lender's feed, which can be after the day the lender changed it. Every lender's status →
Bank of China products (8)
| Product | Type | Advertised | Comparison | Max LVR | Lender link |
|---|---|---|---|---|---|
Discount Home Loan - owner-occupier, P&IBank of China | Variable | 6.18% | 6.38% | 80% | link |
Discount Plus Home Loan - owner-occupier, P&IBank of China | Variable | 6.18% | 6.56% | 80% | link |
Fixed Rate Home Loan, 2-year termBank of China | Fixed 2yr | 6.59% | 8.39% | — | link |
Fixed Rate Home Loan, 1-year termBank of China | Fixed 1yr | 6.59% | 8.60% | — | link |
Fixed Rate Home Loan, 5-year termBank of China | Fixed 5yr | 6.79% | 7.98% | — | link |
Fixed Rate Home Loan, 4-year termBank of China | Fixed 4yr | 6.79% | 8.11% | — | link |
Fixed Rate Home Loan, 3-year termBank of China | Fixed 3yr | 6.79% | 8.26% | — | link |
Standard Variable Rate Home Loan - owner-occupier, P&IBank of China | Variable | 8.64% | 8.71% | 90% | link |
Bank of China recent rate changes
3 of Bank of China's tracked products changed their advertised rate in the last 30 days. Every change across the board is on the rate changes page.
- Standard Variable Rate Home Loan - owner-occupier, P&I8.39% → 8.64%(+25 bp)previous value last seen 8 Oct 2026
- Discount Home Loan - owner-occupier, P&I5.93% → 6.18%(+25 bp)previous value last seen 8 Oct 2026
- Discount Plus Home Loan - owner-occupier, P&I5.93% → 6.18%(+25 bp)previous value last seen 8 Oct 2026
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