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BOC Express Cash Instalment Loan
Top Up
Top Up
Document Wavier
& Enjoy up to HK$23,888 Cash Rebate
& 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.
For the "Key Facts Statement (KFS) for Instalment Loan", please click here.
Latest Offer
Up to HK$23,888
Cash Rebate4
Cash Rebate4
Successful applicants fulfill the following criteria will be entitled the above reward:
Submit application and required documents within the promotion period and drawdown on or before specified date.- Loan amount of HK$50,000 or above, with repayment tenor of 36 months or above
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.
Product Features
Document Wavier*,
Get extra cash in hand with One Click!
Get extra cash in hand with One Click!
Easy Application
Benefit from quicker approval process upon setting up of “IADS” or BOCHK Payroll, which income proof may be waived13
Extra cash rebate of HK$100 upon “IADS” set up and loan drawdown6
Low APR
APR as low as 1.38%^
High Loan Amount
Up to HK$4,000,000 or 18 times of monthly salary8 (whichever is lower)
Repayment Period
Choose a flexible repayment period11 that suits your individual pace
Monthly Repayment Amount
APR and Monthly Repayment Amount
You may choose the most suitable repayment schedule that matches with your financial needs and abilities.
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.
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
1Easy top up, done with just one click!
2Online upload documents
3Loan confirmation
1Easy top up, done with just one click!
2Online upload documents
3Loan confirmation
Application Channels
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
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 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 0.0620%. The APR is 1.38% and without handling fee, which is applicable to BOCHK Private Wealth Customers or selected customer groups. (This APR does not include any cash rebate or other eligible offers, if applicable).
^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 0.0620%. The APR is 1.38% and without handling fee, which is applicable to BOCHK Private Wealth Customers or selected customer groups. (This APR does not include any cash rebate or other eligible offers, if applicable).
- The APR of this promotion is from 1.38% - 32.51%.
- 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 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.
*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 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 0.0620%. The APR is 1.38% and without handling fee, which is applicable to BOCHK Private Wealth Customers or selected customer groups. (This APR does not include any cash rebate or other eligible offers, if applicable).
^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 0.0620%. The APR is 1.38% and without handling fee, which is applicable to BOCHK Private Wealth Customers or selected customer groups. (This APR does not include any cash rebate or other eligible offers, if applicable).
- The APR of this promotion is from 1.38% - 32.51%.
- 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 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 promotion terms and conditions. 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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ALL RIGHTS RESERVED.
Simple Loan Application via Online