"iSmart" Tax Loan

Apply for an "iSmart" Tax Loan to enjoy preferential interest rate, managing your finance with ease.

Tax Loan Preferential Interest Rate (APR) Table 1

  Integrated Banking Service Categories
  Wealth Management Enrich Banking i-Free Banking
/ Others
Civil Servants with Payroll Service2 1.50%
Tax Loan loyal customers/ Payroll Service customers2 1.50% 1.80% 2.30% 
Others 1.80% 2.30% 2.80% 


  • Enjoy up to HK$500 BOC Credit Card Free Spending Credit3 with a drawdown of the loan before the designated date
  • As fast as 24 hours to get the loan approval after submitting all required documents
  • Loan application can be made through electronic application channels, need not to show up in person in any branches
  • Loan amount up to 3 times of the tax bill, or 6 times of the monthly salary, or HK$2,000,000 (whichever is lower) 4
  • Repayment tenor of 6, 12 or 18 months are available for your selection and better financial planning

(Sample) Suppose Loan Amount is $100,000, Repayment Tenor is 12 months and APR is 0.57% (Monthly Flat rate: 0.0257%).  Total repayment amount is HK$100,308.80 ("iSmart" Tax Loan does not have any charges and including HK$5003 BOC Credit Card Free Spending Credit). The above example is for reference only.

Promotion Period: From now until 31 March 2018

 "iSmart" Tax Loan Hotline: (852) 2836 8733

(From 9:00a.m. to 11:00p.m. between Monday to Friday, from 9:00a.m. to 6:00p.m. on Saturday, excluding Sunday and public holidays)


Offers are subject to relevant terms and conditions. For more details, please click here.
For Terms and Conditions of “iSmart” Tax Loan, please click here.

Reminder : To borrow or not to borrow? Borrow only if you can repay!