BOC Express Cash Instalment Loan Balance Transfer

Update time: Nov 2023

Total Repayment (as low as)


Monthly Repayment (as low as)


APR (as low as)

Monthly Flat Rate: 0.3%
[Huge amount of credit card debt?] BOC Express Cash Instalment Loan Balance Transfer: loan amount up to HK$2,000,000 or 21 times of your monthly salary (whichever is lower), helping you to centralize your repayment and settle your card balance easily!
[High interest rate of credit card debt] BOC Express Cash Instalment Loan Balance Transfer helps you save interest expenses

Great for

  • BOCHK Offer – Reward up to HK$23,888 Cash Rebate

    • Customers can earn a HK$23,888 cash rebate by fulfilling the following requirements 
    Loan Amount Cash Rebate
    HK$50,000 - HK$199,999 HK$888
    HK$200,000 - HK$499,999 HK$3,888
    HK$500,000 - HK$999,999 HK$13,888
    HK$1,000,000 or above HK$23,888
    • With the period from 26 September 2023 to 15 November 2023; and
    • successfully apply with a loan amount of HK$50,000 or above, and with a repayment tenor of 36 months or above with the promotion period, and
    • Cash rebate will be earned upon successful registration with inputting reference code "AH". The above reward offer will be directly credited to the BOC repayment account of the eligible customers on or before 30 June 2024 without prior notice.
  • Product Features

    • APR as low as 5.93%; 1% handling fee
    • Repayment period of up to 72 months
    • Loan amount up to HK$2,000,000 or 21 times of your monthly salary (whichever is lower)
    • Monthly fixed income of HK$6,000 or above

Need to know

  • Things you need to know

    • The above information is for reference only. For details, please visit Bank of China (Hong Kong) Limited (“BOCHK”) website
    • For details of promotion offers and terms and conditions, please refer to BOCHK website
    • The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider's approval.
    • Reminder: To borrow or not to borrow? Borrow only if you can repay!


Handling Fee

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