Interest
6.13%p.a.
Comparison*
Not available
Est. repayment
$3,040
LVR ≤80%
Bank of China · Offset · Updated September 2026
Bank of China Offset Account Home Loans, September 2026
Bank of China lists 12 offset home loans in the Ratesniffers index today. The lowest is 5.93% p.a. (comparison rate 6.30% p.a.), on Discount Plus Home Loan Owner Occupied >$100k <=80% LVR P&I Special. Rates differ by LVR tier and repayment type, so compare the comparison rate on each row below.
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Bank of China offset home loan rates, September 2026
Bank of ChinaDiscount Plus Home Loan Owner Occupied >$100k <=80% LVR P&I Special
VariableOffsetRedraw
Interest
5.93%p.a.
Comparison*
6.30%p.a.
Est. repayment
$2,975
LVR ≤80%
Bank of ChinaDiscount Plus Investment Home Loan (with Principal and Interest Repayment)
VariableOffsetRedraw
Interest
6.13%p.a.
Comparison*
6.33%p.a.
Est. repayment
$3,040
LVR not stated
Interest
6.13%p.a.
Comparison*
6.50%p.a.
Est. repayment
$3,040
LVR ≤80%
Interest
6.63%p.a.
Comparison*
Not available
Est. repayment
$3,203
LVR ≤80%
Interest
7.69%p.a.
Comparison*
Not available
Est. repayment
$3,561
LVR ≤90%
Interest
7.69%p.a.
Comparison*
7.86%p.a.
Est. repayment
$3,561
LVR not stated
Interest
7.69%p.a.
Comparison*
7.88%p.a.
Est. repayment
$3,561
LVR not stated
Interest
8.00%p.a.
Comparison*
Not available
Est. repayment
$3,669
LVR ≤90%
Interest
7.69%p.a.
Comparison*
8.04%p.a.
Est. repayment
$3,561
LVR ≤90%
Interest
8.00%p.a.
Comparison*
8.19%p.a.
Est. repayment
$3,669
LVR not stated
Interest
8.00%p.a.
Comparison*
8.34%p.a.
Est. repayment
$3,669
LVR ≤90%
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
Bank of China · Offset
Bank of China offset home loans, what to weigh
100% offset accounts reduce interest charged by the balance you keep in them without changing the headline rate. Best paired with salary-account direct deposit + tactical surplus parking. Rates and eligibility can differ across products and LVR tiers, so use the lender page above for current product-level figures rather than assuming every offset option has the same price.
See also Bank of China's full product range, repayment calculator, and offset savings calculator.