BOC Express Cash Instalment Loan - BOCHK
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BOC Express Cash Instalment Loan
Enjoy Cash Rebate up to
HK$10,8001
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 1.78%* With Flexible Repayment Period

High Loan Amount

High Loan Amount

Up to HK$4,000,000 or 18 times5 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 BOCHK Payroll customer without documents required

Limited Time Offer
Apply BOC Express Cash Instalment Loan to enjoy Cash Rebate up to HK$10,8001
Successful applicants fulfil the following criteria will be entitled to the Cash Rebate up to HK$10,800:
  • Submit application and required documents within the promotion period and drawdown on or before specified date.
  • 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
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.

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 Plan#
Monthly repayment amount (HKD)
172,548.37
Monthly Flat Rate
NaN%
Total repayment amount (HKD)
1,035,290.19
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
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

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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  • *The quoted annualized percentage rate of 1.78% is calculated based on a loan amount of HK$1,500,000, repayment tenor of 12 months, monthly flat rate of 0.0799% and with handling fee waiver, which is applicable to BOCHK Private Wealth Customers and selected customer group.
  • The APR of this promotion is from 1.78%-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 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.
  • 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 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.
  • *The quoted annualized percentage rate of 1.78% is calculated based on a loan amount of HK$1,500,000, repayment tenor of 12 months, monthly flat rate of 0.0799% and with handling fee waiver, which is applicable to BOCHK Private Wealth Customers and selected customer group.
  • The APR of this promotion is from 1.78%-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 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.
  • 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 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.
  • 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.

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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