BOC Express Cash Instalment Loan

For the "Key Facts Statement (KFS) for Instalment Loan", please click here.

Apply and draw down BOC Express Cash Instalment Loan to enjoy below offers:

  • Provide Instant Approval Result1
  • Loan amount up to HK$2,000,000 or 12 times of your monthly salary2 (whichever is lower)
  • Annualised percentage rate as low as 3.02%3
  • Apply via the  BOC Express Cash mobile app via  or for application 


Below customers shall visit any one of Bank of China (Hong Kong) Limited (“BOCHK”) branches to submit loan application:

1. BOCHK customers with accounts opened less than three months or non-BOCHK customers; and/or

2. Customers with current office phone number, mobile phone number, residential phone number or residential address (either one) different from that in the records held by BOCHK; and/or

3. Applied loan amount is HK$500,000 or above

Example: Apply loan amount of HK$500,000, with repayment tenor of 36 months and monthly flat rate of 0.0640%. The annualised percentage rate is 3.02%3, including an annual handling fee of 0.75%. The above example is for reference only.



^ 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 annualised percentage rate ranges from 3.02% to 47.95%.

The above offers are subject to the relevant terms and conditions.

Reminder : To borrow or not to borrow ? Borrow only if you can repay !

Other Application Channels

  • Any BOCHK branches
  • Application Hotline +852 2108 3600 (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)
  • Download BOCHK Mobile Application or BOC Express Cash Mobile Application now
  • Fax +852 2108 3618
  • Mail: Please send your completed application form to BOC Credit Card (International) Limited (Address: 20/F BOC Credit Card Centre, 68 Connaught Road West, Hong Kong)


BOC Express Cash Customer Service Hotline +852 2108 3611
Terms and Conditions and Remarks of BOC "Express Cash" Instalment Loan/ Balance Transfer
Additional Terms and Conditions for Tele-services
Key Facts Statement (KFS) for Instalment Loan

Terms for the Promotion Offer

1.    Instant approval result and loan amount are for reference only, and are applicable during the following times:

i) Via BOCHK website, BOC Express Cash mobile application or “BOCHK_CC” WeChat official account -

Only applicable to applications submitted during from 9 am to 12:45 am of the next day from Monday to Friday, from 9 am to 9:45 pm on Saturday, as well as from 12 noon to 8:45 pm on Sunday and public holiday via BOCHK website, BOC Express Cash mobile application or “BOCHK_CC” WeChat official account. If customers apply out of the above service hours, the Card Company will call customers to follow up on application the next working day.

ii) Via BOC Express Cash Hotline-

Only applicable to applications submitted during Monday to Friday from 9am to 9pm, and Saturday from 9am to 6pm (except Public Holidays).

2.    The maximum loan amount for the BOC Express Cash Instalment Loan is up to HK$2,000,000 or 12 times of the monthly salary (whichever is lower). The Card Company will determine the final approved loan amount based on the credit rating of the individual customer and other relevant factors.

3.    The quoted interest rate is calculated based on a loan amount of HK$500,000 with repayment tenor of 36 months and monthly flat rate of 0.0640%. The annualised percentage rate (“APR”) is 3.02%, including an annual handling fee of 0.75%.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. For loan and offer details, rates, handling fee, annualised percentage rates, terms and conditions, please contact the staff.

4.    Early Settlement Penalty
Upon early settlement of the Loan, outstanding interest and principal shall be calculated on the basis of “Rule of 78”. The Borrower shall also pay an early settlement penalty which is 2% of the approved Loan Amount of Instalment Loan; 1.5% of the approved Loan Amount of Instalment Loan Balance Transfer per annum for the remaining years of Loan Period (any part of a year shall be rounded up to a year). The Card Company may at its discretion adjust the early settlement penalty at any time with prior notice. Please note that different loan products have an individual calculation of the apportionment of the interest and principal even though the monthly repayment amount is equal. The loan tenor, more interest will, in general, be included in earlier repayments, and less on principal. In other words, where a borrower has been making repayments as scheduled for some time, the amount of outstanding interest is likely to be small. If the borrower chooses to pay off the loan early at this moment, the loss may outweigh the gain as the amount saved may not be enough to cover the relevant charges for early repayment. You are suggested to make enquiries to the Card Company for the total settlement amount (including the loan outstanding amount, early settlement penalty and other incurred fee(s)) and unpaid interest. You may refer to Instalment Loan Calculator and Repayment Schedule in our webpage ( for details of apportionment of interest and principal for each loan repayment throughout the loan tenor, the method of apportionment and the incurred fee(s). You are advised to make comparison and consider thoroughly before deciding whether to choose an early repayment.

5.    Rights of Third Parties:

5.1 Subject to Clause 5.3, a person who is not a party to this Agreement has no right under the Contracts (Rights of Third Parties) Ordinance (Cap. 623 of the Laws of Hong Kong) (the "Third Parties Ordinance") to enforce or to enjoy the benefit of any term of this Agreement. 

5.2 Notwithstanding any term of this Agreement, the consent of any person who is not a party to this Agreement is not required to rescind or vary this Agreement at any time.

5.3 Any director, officer, employee, affiliate or agent of the Card Company may, by virtue of the Third Parties Ordinance, rely on any provision of this Agreement (including without limitation any indemnity, limitation or exclusion of liability) which expressly confers rights or benefits on that person.

General Terms

  • BOC Express Cash Instalment Loan and BOC Express Cash Instalment Loan Balance Transfer are the products of the Card Company. The Card Company is a member of the BOCHK Group.
  • Each Eligible Customer can only enjoy the above offer only once. This offer cannot be used in conjunction with other promotion offer that are not listed in this promotion material.
  • The above products are subject to the relevant terms of the BOC Express Cash Instalment Loan and BOC Express Cash Instalment Loan Balance Transfer.
  • The credit rating of each customer must fulfill the requirements of the Card Company. The approved APR may vary on a case-by-case basis, subject to the credit rating of each individual customer, loan amount and repayment tenor. Approval of the loan amount, repayment tenor and interest rate are all subject to the final decision of the Card Company without providing any reason.
  • The Card Company reserves the right to amend, suspend or terminate the above products and offers, and to amend the relevant terms at any time at its sole discretion without prior notice.
  • In case of any dispute, the decision of the Card Company shall be final.
  • Should there be any discrepancy between the English and Chinese versions of this promotion material, the Chinese version shall prevail.