BOC Express Cash Instalment Loan – Tax Season Loan
Bank of China (Hong Kong)
Intro
About this product
A tax loan from Bank of China (Hong Kong). Loan amounts run Up to HK$4,000,000 or 18 times of monthly salary (whichever is lower) with tenors of Up to 60 months. The monthly flat rate is 0.062% and the APR 1.38%–36.00%. On fees, handling fee as low as 0%. On early repayment, You can choose to make early repayment, but usually a handling fee will be charged (if applicable).
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))
- Borrowers who prefer a longer tenor (up to Up to 60 months)
- Strong-credit borrowers aiming for an APR as low as 1.38%
Key facts
Key facts
Cost
APR
1.38%–36.00%
Monthly flat rate
0.062%
handling fee as low as 0%
Repayment
Tenor
Up to 60
You can choose to make early repayment, but usually a handling fee will be charged (if applicable)
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 (the "apply a tax season loan without a tax document?" link is a marketing question, not a term); income proof may be waived upon setting up of "IADS" or BOCHK Payroll
Effective from
24 Sep 2026
Cash rebate up to HK$22,000 (doubled for new personal loan customers applying via e-Channels; up to HK$11,000 for others) · Applicable to a loan amount of HK$200,000 or above with a tenor of 24 months or above, or HK$100,000 or above with a tenor of 36 months or above · Apply from 2026-09-24 to 2026-11-16 and draw down on or before 2026-12-31
Reminder: borrow only what you can repay, and never pay a middleman.
Source: Official product page Last updated: Data follows the institution's official pages and is not investment or lending advice.