Express Cash Instalment Loan Top Up

Product Features Latest Offer Top Up FAQ Simple Steps to Apply

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BOC Express Cash Instalment Loan
Top Up

Document Wavier
& Enjoy up to HK$23,888 Cash Rebate

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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Product Features

Document Wavier*, 
Get extra cash in hand with One Click!

Speedy Approval

Easy Application and waive document*

Low APR

APR as low as 1.85%^

High Loan Amount

Up to HK$4,000,000 or 18 times of monthly salary (whichever is lower)

Repayment Period up to 72 months

Choose a flexible repayment period that suits your individual pace

Latest Offer

Up to HK$23,888
Cash Rebate

Successful applicants fulfill the following criteria will be entitled the above reward²:

From now until 2 January 2025, 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 28 February 2025

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Promotion Terms and Conditions apply.

New Synchronized Services in BOCHK Mobile App

The new "My Loan Account" feature helps you effortlessly track your repayment progress, accompanying you achieve every plan and goal.

FAQs

BOC Express Cash Instalment Loan Top up is applicable to existing BOC Express Cash Instalment Loan customers if they have made a minimum of three instalments towards the existing loan and a punctual repayment record is maintained.

Customers will be notified of the relevant approved APR、monthly repayment amount and due date upon the Top up Loan approval.
The outstanding amount of existing loan account will be deducted from the actual disbursement amount. The monthly repayment will be debited from the repayment account on the due date every month.

Not required. Early settlement fee of original instalment loan will be waived if BOC Express Cash Instalment Loan Top up is drawn down successfully. You are only required to repay the newly approved Top up loan according to the new repayment schedule.

It is subject to the final approval result based on the comprehensive assessment on your Top up loan application.

*Please click here to view the BOC Express Cash Instalment Loan Fees Schedule.

Simple Steps to Apply

Experience Simple Loan Application on the BOCHK Mobile Banking app

1Easy top up, done with just one click!

Application Channels

Apply via Mobile Banking

BOCHK

Download APK

Apply via Internet Banking

Apply Now

Customers Service Hotline: +852 3711 4688
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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Disclaimer and Terms

Important Notice and Privacy Policy Statement

Conditions for Services

Terms and Conditions and Remarks of BOC "Express Cash" Instalment Loan/ Balance Transfer

Notification of Amendment on Terms and Conditions and Remarks of BOC "Express Cash" Instalment Loan/ Balance Transfer (applicable to the loan starting with Loan Number 0238)

Notice of Amendments on Terms and Conditions and Remarks for BOC "Express Cash" Instalment Loan/Balance Transfer/"iSmart" Tax Loan/BOC Express Cash Revolving Credit

Bank of China (Hong Kong) Limited BOC Express Cash Revolving Credit Terms and Conditions

^*Only applicable to existing BOC Express Cash Instalment Loan customers. BOCHK reserves the right to require customers to provide additional supporting documents in regards to BOC Express Cash Instalment Loan Top up application.
^The quoted annualized percentage rate of 1.85% is calculated based on a loan amount of HK$1,500,000, repayment tenor of 12 months, monthly flat rate of 0.0830% and 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 and the Google Play are trademarks of Google Inc..
The APR of this promotion is from 1.85% -32.51%.
The APR is calculated according to the guidelines laid down in The Hong Kong Association of Banks. 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.

^*Only applicable to existing BOC Express Cash Instalment Loan customers. BOCHK reserves the right to require customers to provide additional supporting documents in regards to BOC Express Cash Instalment Loan Top up application.
^The quoted annualized percentage rate of 1.85% is calculated based on a loan amount of HK$1,500,000, repayment tenor of 12 months, monthly flat rate of 0.0830% and 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 and the Google Play are trademarks of Google Inc..
The APR of this promotion is from 1.85% -32.51%.
The APR is calculated according to the guidelines laid down in The Hong Kong Association of Banks. 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.

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.