Loan Top up | BOC Express Cash Instalment Loan Top up

Latest Offer Product Features Loan Top Up FAQs Simple Steps to Apply

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BOC Express Cash Instalment Loan
Top Up

No documents required!
Enjoy as fast as 1-minute approval
and same-day fund disbursement

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

Up to HK$23,888
Cash Rebate⁴

Successful applicants fulfilling the following criteria will be entitled to 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

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Promotional Terms and Conditions apply.

New Synchronized Services in BOCHK Mobile App

Apply for loan top up in a few steps with your mobile phone and get approval result in as fast as one minute and fund disbursement on the same day^#
Track your repayment progress effortlessly with "My Loan Account" feature

# The actual processing time for loan application approval and disbursement may vary depending on the actual circumstances of each application. After confirming to draw down with instant approval result, the loan will be disbursed through a new account.

Product Features

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

Low APR

APR as low as 1.50%^

High Loan Amount

Up to HK$4,000,000 or 18 times of monthly salary⁸ (whichever is lower)

Repayment Period up to 72 months

Choose a flexible repayment period¹¹ that suits your individual pace

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

Monthly Repayment Amount

APR and Monthly Repayment Amount

You may choose the most suitable repayment schedule that matches with your financial needs and abilities.

Repayment Calculator

Loan Top Up 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.

For customers applying for top up via Mobile App with instant approval result, after confirming to draw down the loan, we will open a new loan account according to the terms of the loan accepted by you. The new loan account will not affect the outstanding balance and repayment particulars of your existing loan account(s), thus customers are not required to early settle existing loan account(s). Please refer to the respective loan advice issued for each loan account for details of the loans. Customers may also track the repayment progress of each loan account effortlessly with “My Loan Account” feature via Mobile App.

If customers would like to apply for top up and consolidate into one loan account only, we will provide a new loan account to replace the original loan account. The actual disbursement amount will deduct the current outstanding amount and the handling fee (if applicable) from the total newly approved loan amount. The monthly repayment will be debited from the repayment account on the due date every month. Please contact the bank staff for the actual circumstances of each application.

No, early settlement fee of original instalment loan will be waived if BOC Express Cash Instalment Loan Top up is drawn down successfully.

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!

Application Channels

Apply via Mobile Banking

BOCHK

Download APK

Apply via Internet Banking

Apply Now

Customer 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 visit any BOCHK branch

Related Products

BOC Express Cash Instalment Loan

Balance Transfer

Green Personal Loan

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 0.0674%. The Annualized Percentage Rate ("APR") is 1.50% 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 1.50% - 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 APR of this promotion is from 1.50% - 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 Promotional 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.