151 live products
AMP
Best available rate
5.63%p.a.
Amp First Home Loan (Variable)
Highest ranked offer currently surfaced for this bank on the compare page.
Comparison
5.63%
Offset
Included
Redraw
Included
Finding the best rates…
Home Loans Comparison
Bank One
AMP
Best available
From 5.63% p.a.
Line-up
151 live products
VS
AMP vs Bank of China
Compare AMP and Bank of China home loans in March 2026. AMP offers rates from 5.63% p.a. across 151 products, while Bank of China starts at 5.43% p.a. with 30 products. Bank of China currently has the lower rate by 0.20%.
Bank Two
VS
30 live products
Bank of China
Best available rate
5.43%p.a.
Discount Plus Home Loan (With Principal And Interest Repayment) (Variable)
Highest ranked offer currently surfaced for this bank on the compare page.
Comparison
5.82%
Offset
Included
Redraw
Included
Live edge
Bank of China is lower on headline home loan rate by 0.20%, which is roughly $83 per month on a $500,000 loan.
0.20% gap
Feature Comparison
Side-by-side view of the strongest offers surfaced above.
| Feature | AMP | Bank of China |
|---|---|---|
| Interest rate | 5.63% | 5.43% |
| Comparison rate | 5.63% | 5.82% |
| Offset account | Yes | Yes |
| Redraw | Yes | Yes |
All AMP Products
Every tracked home loans option from AMP.
All Bank of China Products
Every tracked home loans option from Bank of China.
AMP's lowest variable rate is 5.63% p.a. (comparison rate 5.63%) while Bank of China starts at 5.43% p.a. (comparison rate 5.82%). Bank of China is 0.20% lower, which saves approximately $83/month on a $500,000 loan.
Key features: AMP includes offset, AMP includes redraw, Bank of China includes offset, Bank of China includes redraw.
Quick Comparison
| Feature | AMP | Bank of China |
|---|---|---|
| Interest Rate | 5.63% | 5.43% |
| Comparison Rate | 5.63% | 5.82% |
| Offset Account | Yes | Yes |
| Redraw Facility | Yes | Yes |
Common Questions
AMP vs Bank of China FAQs
Which bank has a lower home loan rate, AMP or Bank of China?
Bank of China currently offers the lower variable rate at 5.43% p.a. compared to 5.63% p.a. Always check the comparison rate for a true cost picture.
Do AMP and Bank of China home loans have offset accounts?
AMP offers an offset account. Bank of China offers an offset account.
What is AMP's lowest home loan rate in 2026?
AMP's lowest variable rate is 5.63% p.a. (comparison rate 5.63%) on the Amp First Home Loan (Variable).
What is Bank of China's lowest home loan rate in 2026?
Bank of China's lowest variable rate is 5.43% p.a. (comparison rate 5.82%) on the Discount Plus Home Loan (With Principal And Interest Repayment) (Variable).