4.35% to 4.9%. According to Hebei News Network, in 2020, the annual interest rate of the first home loan in Hebei Province will be 4.35% within one year, 4.75% from one year to five years (including five years) and 4.9% for more than five years. Hebei Province, referred to as "Hebei" for short, is a provincial administrative region of People's Republic of China (PRC), with Shijiazhuang as the capital.