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#1: The quoted interest rate is calculated based on a loan amount of HK$3,000,000 with repayment tenor of 12 months and monthly flat rate of 0.0620%. The Annualized Percentage Rate (“APR”) is 1.38% and without handling fee, this APR does not include any cash rebate or eligible offers (if applicable).

#2: Cash Rebate of up to HK$12,800 is applicable to loan amount of HK$200,000 or above and with repayment tenor of 24 months or above;  or loan amount of HK$100,000 or above and with repayment tenor of 36 months or above.

#3: The “0” % interest offer will be provided in the form of cash rebate. “0”% interest offer will be applicable under the following conditions : “New to personal loan customers” with a minimum loan drawdown amount of HK$100,000 or above is eligible for the “0”% interest offer for the entire term on the first HK$20,000 loan amount. If the customers also meet the definition of “New to payroll customers” simultaneously, can enjoy “0”%  interest offer for the entire term on the first HK$50,000 loan amount. “New to personal loan customers” must not have held any BOC Express Cash Instalment Loan account(s) (including Instalment Loan, Top up, Balance Transfer, Tax Season Loan, Green Personal Loan and Instalment Loan – Interest Free Offer) within 36 months prior to the loan application date. Customer who meets the definition of “New to payroll customers” must register for Payroll Account on or before 31 December 2025 ; and have not registered for and / or used Payroll Account in BOCHK in the past 3 months prior to the month of registering Payroll Account (not including the registration month); and start receiving salary by “electronic payroll arrangement” via Payroll Account within the next 2 calendar months from the date of Payroll Account registration.