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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.
APR as Low as 1.75%* With Flexible Repayment Period
High Loan Amount
Up to HK$4,000,000 or 18 times5 of monthly salary
(whichever is lower)
As Low as 0% Handling Fee
Up to 100% loan amount
Flexible Repayment
Up to 60 months repayment period, helps you repay loan at ease
Simple and Easy Application
Speedy approval for existing BOC Payroll customer without documents required
to Enjoy Extra Cash Reward
for New Year with Cash Rebate up to HK$13,8001
Loan Offer
for New Year
From now until 3 March 2025, 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 aboveDrawdown on or before 31 March 2025
Fulfill the above requirements of Tax Season Loan Cash Rebate
Applicants successfully submit the application and upload document via e-channels^ within the promotion period
Loan Calculator
You can enter the loan amount, loan tenor and the corresponding Monthly Flat Rate (%) and Annual Handling Charges (%) in the Repayment Calculator of BOC Express Cash Instalment Loan - Monthly Instalment to calculate the monthly instalment and therefore to assess your repayment affordability.
Experience Simple Loan Application on the BOCHK Mobile Banking app
Apply now to streamline your application process






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
Disclaimer and Terms

Important Notice and Privacy Policy Statement

Conditions for Services

Terms and Conditions and Remarks of BOC "Express Cash" Instalment Loan/ Balance Transfer

Notification of Amendment on Terms and Conditions and Remarks of BOC "Express Cash" Instalment Loan/ Balance Transfer (applicable to the loan starting with Loan Number 0238)

Notice of Amendments on Terms and Conditions and Remarks for BOC "Express Cash" Instalment Loan/Balance Transfer/"iSmart" Tax Loan/BOC Express Cash Revolving Credit

Bank of China (Hong Kong) Limited BOC Express Cash Revolving Credit Terms and Conditions
- 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.