BOC Express Cash Instalment Loan Top up

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.


Application Channels

  • Any BOCHK branches
  • Application 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)
  • Apply via the  BOC mobile app via  or  for application

 (Please download the latest BOC mobile app to experience the seamless online application.)



*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$1,500,000 with repayment tenor of 12 months and monthly flat rate of 0.1303%. The annualised percentage rate (“APR”) is 4.85%, including an annual handling fee of 1%.

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The APR of this promotion is from 4.85% - 32.41%.

The above offers are subject to the relevant terms and conditions, please download a copy of the terms & conditions for your future reference. 

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.

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


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

Notice of Amendments on Terms and Conditions and Key Facts Statement (KFS) for BOC “Express Cash” Instalment Loan/Balance Transfer/“iSmart” Tax Loan/100% Personal Loan Guarantee Scheme