Instalment Loan | BOC Express Cash Instalment Loan
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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
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Latest Offer

for New Personal Loan Customers

From now until 30 June 2026, New Personal Loan Customers^ applying for BOC Express Cash Instalment Loan via e-Channels# and fulfilling specified criteria, and successfully drawdown on or before 31 July 2026, can enjoy Double Reward!

APR as low as

1.50%*

Cash Rebate up to

HK$20,000²

Cash Rebate for Loan up toHK$10,000

+

Welcome Offer for New Personal Loan Customers with extra Cash Rebate up toHK$10,000

2x Cash Rebate!
Promotional Terms and Conditions apply.
Apply Now
High Loan Amount

High Loan Amount

Up to HK$4,000,000 or 18 times8 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 of repayment period11, helps you repay the loan at ease

Easy Application

Easy Application

Benefit from quicker approval process upon setting up of “IADS” or BOCHK Payroll, which income proof may be waived 13

Extra cash rebate of HK$100 upon “IADS” set up and loan drawdown6

Promotional Terms and Conditions apply

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 one year, it shall be treated as one full year. Selected BOCHK Customers refer to “BOCHK Private Wealth Customers” or selected customer group.

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.
Your Custom Loan PlanRemark 1
Monthly repayment amount (HKD)
172,548.37
Monthly Flat Rate
NaN%
Total repayment amount (HKD)
1,035,290.19
APRRemark 2
12.68%
Total service charge (HKD)
NaN
Apply Now
Remark 1 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.

Remark 2 This APR does not include any cash rebate or eligible offers (if applicable).
Your repayment schedule
Number of instalment
Monthly instalment amount (HKD)
Interest payment (HKD)
Principal payment (HKD)
1
172,548.37
10,000.00
162,548.37
2
172,548.37
8,374.51
164,173.86
3
172,548.37
6,732.78
165,815.59
4
172,548.37
5,074.62
167,473.75
5
172,548.37
3,399.88
169,148.49
6
172,548.36
1,708.40
170,839.96
Simple Steps to Apply
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 visit any BOCHK branch

Related Products
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Green Personal Loan
Green Personal Loan
^New Personal Loan customers refer to customers not holding 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) as of 31 March 2026. New Personal Loan Customers will be entitled to double reward with up to HK$20,000 cash rebate. For those who cannot meet the definition of New Personal Loan customers, will still be entitled to up to HK$10,000 cash rebate. Cash Rebate offers are 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.

# e-Channels include BOCHK website, Internet Banking, Mobile Banking and “BOCHK-Banking” WeChat official account.

* 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 0.0674%. The Annualized Percentage Rate (“APR”) is 1.50% and without handling fee, this APR does not include any cash rebate or eligible offers (if applicable) and is applicable to BOCHK Private Wealth Customers or selected customer groups.

  • The APR of this promotion is from 1.50%-28.21%.
  • 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 annualized rate.
  • 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.
^New Personal Loan customers refer to customers not holding 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) as of 31 March 2026. New Personal Loan Customers will be entitled to double reward with up to HK$20,000 cash rebate. For those who cannot meet the definition of New Personal Loan customers, will still be entitled to up to HK$10,000 cash rebate. Cash Rebate offers are 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.

# e-Channels include BOCHK website, Internet Banking, Mobile Banking and “BOCHK-Banking” WeChat official account.

* 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 0.0674%. The Annualized Percentage Rate (“APR”) is 1.50% and without handling fee, this APR does not include any cash rebate or eligible offers (if applicable) and is applicable to BOCHK Private Wealth Customers or selected customer groups.

  • The APR of this promotion is from 1.50%-28.21%.
  • 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 annualized rate.
  • 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.
  • The above products, services and offers are subject to the relevant terms and conditions. For details, please refer to the Promotional Terms and Conditions or contact the staff of BOCHK.

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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