Industrial and Commercial Bank of China (Asia) Limited
Intro
About this product
A tax loan from Industrial and Commercial Bank of China (Asia) Limited. Loan amounts run Up to HK$4,000,000 or 18 times of monthly salary (whichever is lower) with tenors of Up to 24 months. The monthly flat rate is 0.0286%-0.235% (the as-low-as 0.0286% applies only to existing bank customers with a loan amount of HK$1,500,000 or above and a 6-month repayment period; the monthly repayment tables show 0.105%-0.235%) and the APR 0.59%-5.46% (the as-low-as 0.59% applies only to existing bank customers, calculated including the HK$6,888 cash rebate; the monthly repayment tables show 2.18%-5.46%). On fees, handling fee full handling fee waived. On early repayment, Early repayment: the Bank reserves the right to charge fees and charges arising from the early repayment.
Fit
Who it suits
Borrowers who need a larger sum (up to Up to HK$4,000,000 or 18 times of monthly salary (whichever is lower))
Strong-credit borrowers aiming for an APR as low as 0.59%
Key facts
Key facts
Cost
APR
0.59%-5.46% (the as-low-as 0.59% applies only to existing bank customers, calculated including the HK$6,888 cash rebate; the monthly repayment tables show 2.18%-5.46%)
Monthly flat rate
0.0286%-0.235% (the as-low-as 0.0286% applies only to existing bank customers with a loan amount of HK$1,500,000 or above and a 6-month repayment period; the monthly repayment tables show 0.105%-0.235%)
handling fee full handling fee waived
Repayment
Tenor
Up to 24
Early repayment: the Bank reserves the right to charge fees and charges arising from the early repayment
Amount
Loan amount
Up to HK$4,000,000 or 18 times of monthly salary (whichever is lower)
Required tax documents
Tax document not stated as required on the official page; applying via the mobile banking app, customers only need to scan their Hong Kong Identity Card, complete facial recognition and fill in the application form
Effective from
11 Oct 2026
Promotion period: 1 October 2026 to 31 December 2026 (both dates inclusive) · Loans successfully applied for and drawn down within the promotion period reaching the specified loan amount and repayment period enjoy a cash rebate of up to HK$18,888 · Loan amount of HK$1,500,000 or above: HK$18,888 for a 24-month repayment period, HK$8,888 for 12-18 months, HK$6,888 for 6 months (the rebate amount depends on the loan amount and repayment period)
Industrial and Commercial Bank of China (Asia) Limited