BOC Express Cash Instalment Loan - BOCHK
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BOC Express Cash Instalment Loan - Tax Season Loan
Cash Rebate up to HK$8,800

"Flash Lucky Draw" with Chance to Win Extra Cash
Rewards up to HK$23,888
Details
Terms and Conditions are issued in non-paper form copies for all Instalment Loan applied via this application channel. Physical copies of the relevant Terms and Conditions are available upon request at the branches. You can download and store the below terms and conditions in the Bank’s website within 30 days.
You may not be able to download and store such version of the information after the expiry of the specified timeframe.
For the "Key Facts Statement (KFS) for Instalment Loan", please click here.
Product FeaturesLatest OfferLoan CalculatorSimple Steps to Apply
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Product Features

APR as Low as 1.75%* With Flexible Repayment Period

High Loan Amount

High Loan Amount

Up to HK$4,000,000 or 18 times of monthly salary
(whichever is lower)

As Low as 0% Handling Fee

As Low as 0% Handling Fee

Up to 100% loan amount

Flexible Repayment

Flexible Repayment

Up to 60 months repayment period, helps you repay loan at ease

Simple and Easy Application

Simple and Easy Application

Speedy approval for existing BOC Payroll customer without documents required

Tax Season Offer
Apply BOC Express Cash Instalment Loan - Tax Season Loan
to Enjoy up to HK$8,8001 Cash Rebate
Successful applicants fulfill the following criteria will be entitled to the above reward:
  • From now until 14 November 2024, successful applicants submit the application and required documents
  • Loan amount of HK$200,000 or above and with repayment tenor 24 months or
    Loan amount of HK$50,000 or above and with repayment tenor 36 months or above
  • Drawdown on or before 31 December 2024
    • Apply BOC Express Cash Instalment Loan - Tax Season Loan
    Get Chance to Win up to HK$23,888 Extra Cash Reward2
    You will be automatically entitled to Flash Lucky Draw chance(s) if you fulfill the following criteria, and no registration is required:
    • From now until 24 October 2024, applicants successfully submit the application and upload document via e-channels^
    • Drawdown on or before 31 October 2024
    ^E-Channels include BOCHK website, Internet Banking, Mobile Banking, "BOCHK" WeChat official account or "BOC CC" WeChat official account.
    Promotion Terms and Conditions apply.
    Total 75 Cash Rewards
    The higher the loan amount, the greater chance of winning!
    Grand Prize
    Cash Prize of HK$23,888
    1 winner
    Second Prize
    Cash Prize of HK$8,888
    3 winners
    Third Prize
    Cash Prize of HK$2,388
    5 winners
    Fourth Prize
    Cash Prize of HK$588
    66 winners
    Loan Amount(HK$)
    Number of Lucky Draw Chance(s)
    Loan Amount(HK$)
    Number of Lucky Draw Chance(s)
    Below $500,000
    1
    $500,000 to $999,999
    2
    $1,000,000 to $1,999,999
    3
    $2,000,000 or above
    4
    Lucky draw result will be announced on this webpage on or before 31 January 2025. Besides, the Bank will notify the Winners of lucky draw result via SMS through customers’ mobile phone number registered in BOCHK on or before 31 January 2025. The Winners must ensure their mobile phone number registered in BOCHK are correct and capable of receiving SMS.
    Apply Now
    Create Your Personalized Instalment Loan Plan

    Loan Calculator

    Create Your Loan Plan
    5,000.00
    4,000,000.00
    If the Repayment Period is shorter than 1 year, it shall be treated as 1 full year. Selected BOCHK Customers refer to “BOCHK Private Wealth Customers” and selected customer group.
    Your Custom Loan Plan#
    Monthly repayment amount (HKD)
    88,848.79
    Monthly Flat Rate
    NaN%
    Total repayment amount (HKD)
    1,066,185.45
    APR
    12.68%
    Total service charge (HKD)
    NaN
    Apply Now
    #The rates for individual customers may vary, please call our hotline for details. If customer’s loan application cannot meet our approval requirements, Bank of China (Hong Kong) Limited ("BOCHK") may approve a loan to individual customers on a case-by-case basis but the interest rate offered may be adjusted. Customers will be notified of the relevant adjusted interest rate upon loan approval. The calculations as shown in the calculator are for reference only. The payment obligations of a customer depends on the actual terms of each borrowing arrangement of BOC Express Cash Instalment Loan.
    Your repayment schedule
    Number of instalment
    Monthly instalment amount (HKD)
    Interest payment (HKD)
    Principal payment (HKD)
    1
    88,848.79
    10,000.00
    78,848.79
    2
    88,848.79
    9,211.51
    79,637.28
    3
    88,848.79
    8,415.14
    80,433.65
    4
    88,848.79
    7,610.80
    81,237.99
    5
    88,848.79
    6,798.42
    82,050.37
    6
    88,848.79
    5,977.92
    82,870.87
    7
    88,848.79
    5,149.21
    83,699.58
    8
    88,848.79
    4,312.21
    84,536.58
    9
    88,848.79
    3,466.85
    85,381.94
    10
    88,848.79
    2,613.03
    86,235.76
    11
    88,848.79
    1,750.67
    87,098.12
    12
    88,848.79
    879.69
    87,969.10
    Simple Steps to Apply

    Experience Simple Loan Application on the BOCHK Mobile Banking app

    Do you have a BOCHK bank account?
    Apply now to streamline your application process
    Apply Now
    1As quick as one-minute instant approval
    As quick as one-minute instant approval
    1As quick as one-minute instant approval
    As quick as one-minute instant approval
    Application Channels

    Apply via Mobile Banking

    Apply via Mobile Banking

    Apply via Internet Banking

    Apply via Internet Banking

    Loan Application Hotline +852 2108 3688
    From 9:00 a.m. to 9:00 p.m. between Mondays and Fridays, from 9:00 a.m. to 6:00 p.m. on Saturdays, excluding public holidays

    or Meet us at any BOCHK branches

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    • E-Channels include BOCHK website, Internet Banking, Mobile Banking, “BOCHK” WeChat official account or “BOC CC” WeChat official account.
    • *The quoted annualized percentage rate of 1.75% is calculated based on a loan amount of HK$1,500,000, repayment tenor of 12 months, monthly flat rate of 0.0786% and with handling fee waiver, which is applicable to BOCHK Private Wealth Customers and selected customer group.
    • Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.. Android, Google Play, and the Google Play logo are trademarks of Google Inc..
    • The APR of this promotion is from 1.75%-26.96%
    • The APR is calculated according to the guidelines laid down in The Hong Kong Association of Banks for reference use only. An APR is a reference rate which includes the basic interest rates and other fees and charges of a product expressed as an annualised rate.
    • The above offers are subject to the relevant promotion terms and conditions, please download a copy of the terms & conditions for your future reference.
    • E-Channels include BOCHK website, Internet Banking, Mobile Banking, “BOCHK” WeChat official account or “BOC CC” WeChat official account.
    • *The quoted annualized percentage rate of 1.75% is calculated based on a loan amount of HK$1,500,000, repayment tenor of 12 months, monthly flat rate of 0.0786% and with handling fee waiver, which is applicable to BOCHK Private Wealth Customers and selected customer group.
    • Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.. Android, Google Play, and the Google Play logo are trademarks of Google Inc..
    • The APR of this promotion is from 1.75%-26.96%
    • The APR is calculated according to the guidelines laid down in The Hong Kong Association of Banks for reference use only. An APR is a reference rate which includes the basic interest rates and other fees and charges of a product expressed as an annualised rate.
    • The above offers are subject to the relevant promotion terms and conditions, please download a copy of the terms & conditions for your future reference.
    • The above products, services and offers are subject to the relevant terms. For details, please refer to the relevant promotion materials or contact the staff of BOCHK.
    • The customer is responsible for paying the relevant data costs incurred by using and / or downloading the BOCHK Mobile Banking.
    • Please download the mobile app from the official software application store or BOCHK homepage, and pay attention to the identifying words of the search.
    • By using BOCHK Mobile Banking, the viewers agree to the disclaimer and policy of BOCHK on BOCHK Mobile Banking from time to time.
    • Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.. Android, Google Play, and the Google Play logo are trademarks of Google Inc.. Huawei AppGallery is provided by Huawei Services (Hong Kong) Co., Limited.

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

    This page is issued by Bank of China (Hong Kong) Limited. Its contents have not been reviewed by any regulatory authority in Hong Kong.

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