Interest
6.18%p.a.
Comparison*
6.36%p.a.
Est. repayment
$3,056
LVR ≤80%
Bank of China · Variable · Updated November 2026
Bank of China Variable Home Loans, November 2026
Bank of China lists 24 variable home loans in the Ratesniffers index today. The lowest is 6.18% p.a. (comparison rate 6.36% p.a.), on Discount Home Loan Owner Occupied <=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 variable home loan rates, November 2026
Bank of ChinaDiscount Plus Home Loan Owner Occupied >$100k <=80% LVR P&I Special
VariableOffsetRedraw
Interest
6.18%p.a.
Comparison*
6.55%p.a.
Est. repayment
$3,056
LVR ≤80%
Interest
6.38%p.a.
Comparison*
6.56%p.a.
Est. repayment
$3,121
LVR ≤80%
Interest
6.58%p.a.
Comparison*
Not available
Est. interest only / month
$2,742
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.58%p.a.
Comparison*
Not available
Est. interest only / month
$2,742
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.38%p.a.
Comparison*
6.74%p.a.
Est. repayment
$3,121
LVR ≤80%
Interest
6.88%p.a.
Comparison*
Not available
Est. interest only / month
$2,867
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
6.88%p.a.
Comparison*
Not available
Est. interest only / month
$2,867
LVR ≤80%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.94%p.a.
Comparison*
Not available
Est. interest only / month
$3,308
LVR ≤90%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.94%p.a.
Comparison*
Not available
Est. interest only / month
$3,308
LVR ≤90%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.94%p.a.
Comparison*
8.11%p.a.
Est. repayment
$3,648
LVR not stated
Interest
7.94%p.a.
Comparison*
8.11%p.a.
Est. repayment
$3,648
LVR not stated
Interest
7.94%p.a.
Comparison*
8.11%p.a.
Est. repayment
$3,648
LVR not stated
Interest
7.94%p.a.
Comparison*
8.11%p.a.
Est. repayment
$3,648
LVR ≤90%
Interest
7.94%p.a.
Comparison*
8.13%p.a.
Est. interest only / month
$3,308
LVR not stated
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.94%p.a.
Comparison*
8.13%p.a.
Est. interest only / month
$3,308
LVR not stated
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
8.25%p.a.
Comparison*
Not available
Est. interest only / month
$3,438
LVR ≤90%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
8.25%p.a.
Comparison*
Not available
Est. interest only / month
$3,438
LVR ≤90%
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Interest
7.94%p.a.
Comparison*
8.28%p.a.
Est. repayment
$3,648
LVR ≤90%
Interest
8.25%p.a.
Comparison*
8.41%p.a.
Est. repayment
$3,756
LVR not stated
Bank of ChinaDiscount Plus Investment Home Loan (with Principal and Interest Repayment)
VariableOffsetRedraw
Interest
8.25%p.a.
Comparison*
8.41%p.a.
Est. repayment
$3,756
LVR not stated
Interest
8.25%p.a.
Comparison*
8.41%p.a.
Est. repayment
$3,756
LVR not stated
Interest
8.25%p.a.
Comparison*
8.41%p.a.
Est. repayment
$3,756
LVR ≤90%
Interest
8.25%p.a.
Comparison*
8.44%p.a.
Est. interest only / month
$3,438
LVR not stated
Based on a $500,000 balance
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
*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 · Variable
Bank of China variable home loans, what to weigh
Variable rates move with the lender's pricing decisions and the cash rate cycle. Less certainty, more flexibility, unlimited extra repayments, full offset. 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 variable option has the same price.
See also Bank of China's full product range, repayment calculator, and refinance savings calculator.