BOC Express Cash Instalment Loan - BOCHK
BOC Express Cash Instalment Loan - Tax Season Loan
Pay Tax with Peace of “Click”!
Cash Rebate up to HK$3,500
Details
For the "Key Facts Statement
(KFS) for Instalment Loan", please click here.
Product Features

APR as Low as 1.68%* 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 via E-Channels to
Enjoy Triple Rewards up to HK$3,500 Cash Rebate
Reward 1: Apply via E-Channels to entitle up to HK$2,000 cash rebate1.3
Reward 2: Early Bird Reward up to HK$1,000 Cash Rebate1.2, no tax demand note required
Reward 3: Payroll Account Reward up to HK$500 Cash Rebate1.4 with income proof waiver

Successful applicants fulfill the following criteria will be entitled the above Triple Rewards:
  • From now until 31 December 2022, successful applicants submit the application and upload document via designated E-Channels
  • Loan amount of HK$50,000 of above, with repayment tenor 24 months or above
  • Drawdown on or before 31 January 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
    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

    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
    Account Opening to Check Loan Application Status
    Apply Now
    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

    • *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 0.0754%. The annualised percentage rate is 1.68%, with handling fee waiver.
    • ^E-Channels including BOCHK website, Internet Banking, Mobile Banking, “BOCHK” WeChat official account or “BOC CC” WeChat official account
    • 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 1.68% - 35.66%
    • 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 terms and conditions, please download a copy of the terms & conditions for your future reference.
    • Terms and Conditions are issued in electronic copies for all “BOC Express Cash Instalment Loan” applied via the mobile banking. Physical copies of the relevant Terms and Conditions are available upon request to the staff of the Bank.
    • *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 0.0754%. The annualised percentage rate is 1.68%, with handling fee waiver.
    • ^E-Channels including BOCHK website, Internet Banking, Mobile Banking, “BOCHK” WeChat official account or “BOC CC” WeChat official account
    • 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 1.68% - 35.66%
    • 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 terms and conditions, please download a copy of the terms & conditions for your future reference.
    • Terms and Conditions are issued in electronic copies for all “BOC Express Cash Instalment Loan” applied via the mobile banking. Physical copies of the relevant Terms and Conditions are available upon request to the staff of the Bank.
    • 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.