BOC Express Cash Instalment Loan - BOCHK
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BOC Express Cash Instalment Loan - Tax Season Loan
Make Your Tax Season Hassle-free
Cash Rebate up to HK$6,000
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 Reference CasesLoan CalculatorSimple Steps to Apply
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Product Features

APR as Low as 1.78%* 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

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 Tax Season Loan to Enjoy
up to HK$6,000 Cash Rebate
Early Bird Offer: Apply on or before 15 November 2023 to enjoy up to HK$3,000 Cash Rebate
E-Channels Offer: Apply via designated E-Channels^ to enjoy up to HK$3,000 Cash Rebate

Successful applicants fulfill the following criteria will be entitled the above reward:
  • From now until 15 November 2023, successful applicants submit the application and upload document
  • Loan amount of HK$50,000 or above, with repayment tenor 36 months or above
  • Drawdown on or before 31 December 2023
    • BOC customers who newly take up or upgrade to BOCHK Wealth Management service and fulfill specific requirements can get Total Relationship Balance Growth Reward and other welcome offers1.1
    Loan Reference Cases
    We truly understand your needs
    dedicated to planning with you
    Travel Spree
    Dream Maker
    Emergency Funds/ Renovation
    Newly Weds/ Honeymoon
    Preferential Rates for Professionals
    Top Talent Pass Scheme/
    Hong Kong Drifters Exclusive Offer
    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.
    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.
    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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    Green Personal Loan
    • ^E-Channels including BOCHK website, Internet Banking, Mobile Banking, “BOCHK” WeChat official account or “BOC CC” WeChat official account.
    • *The quoted interest rate is calculated based on a loan amount of HK$1,500,000 with repayment tenor of 12 months and monthly flat rate of 0.0799%. The annualised percentage rate is 1.78%, with handling fee waiver.
    • 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 1.78%-26.31%
    • 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 including BOCHK website, Internet Banking, Mobile Banking, “BOCHK” WeChat official account or “BOC CC” WeChat official account.
    • *The quoted interest rate is calculated based on a loan amount of HK$1,500,000 with repayment tenor of 12 months and monthly flat rate of 0.0799%. The annualised percentage rate is 1.78%, with handling fee waiver.
    • 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 1.78%-26.31%
    • 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.

    © 2023 BANK OF CHINA (HONG KONG) LIMITED. ALL RIGHTS RESERVED.
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