BOC Express Cash Instalment Loan – Tax Season Loan

Update time: Nov 2023

Total Repayment (as low as)


Monthly Repayment (as low as)


APR (as low as)

Monthly Flat Rate: 0.22%
Borrow up to HK$4 million or 18x of your monthly salary (whichever is lower)
APR as low as 1.68%, monthly flat rate with as low as HK$0 Handling Fee

Great for

  • MoneyHero Exclusive Offer

    • Apply BOC Express Cash Instalment Loan via MoneyHero website, with inputting reference code “AH”, can enjoy extra HK$100 Cash Rebate. Terms and Condition apply.
  • BOCHK Offer - e-Lai See Reward up to HK$2,900

    • Customers can earn a HK$2,900 cash rebate by fulfilling the following requirements 
    Loan Amount Cash Rebate
    HK$50,000 - HK$79,999 HK$200
    HK$80,000 - HK$199,999 HK$400
    HK$200,000 - HK$499,999 HK$800
    HK$500,000 - HK$999,999 HK$1,200
    HK$1,000,000 or above HK$2,800
    • 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
    • An extra HK$100 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 September 2023 without prior notice.
  • Product Features

    • APR as low as 1.68%; handling fee: as low as 0%
    • Flexible repayment period from 6 months to 60 months
    • Loan amount up to HK$4,000,000 or 18x of your monthly salary (whichever is lower)
    • Annual monthly income of HK$6,000 or above

Need to know

  • Things you need to know

    • The quoted Annualised Percentage Rate (“APR”) 1.68% is calculated based on a loan amount of HK$1,500,000 with repayment period of 12 months and monthly flat rate of 0.0754%, with handling fee waiver. For individual customer's applicable interest rate, please contact Bank of China (Hong Kong) Limited ("BOCHK") staff. The above offer is subject to terms and conditions.
    • 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
    • Reminder: To borrow or not to borrow? Borrow only if you can repay!


Minimum Age
18 years old
<p>18 years old</p>
Min. Annual Income

Steps to Apply

1. Apply via online or mobile banking.
2. Please read "Key Facts Statement" and "Terms and conditions" and then press "Agree and continue".
3. Enter information.
4. Authenticate your identity.
5. Enter your loan details.
6. Confirm loan application submitted.

Required Documents

1. Hong Kong Identity Card.
  • For applicants who are not holders of Hong Kong permanent ID card, please provide a passport copy.
2. Current Residential Address Proof issued within three months, e.g. electricity bills, rates demand notes or bank statements
  • (If the permanent residential address is different from the current residential address, please provide additional permanent residential address proof).
3. Income Proof:
  • Bank statements/passbook showing your name, account number and the credit of monthly salary in the past two months; or
  • Salary payroll advice dated within one month of application; or
  • The latest Tax Demand Note
  • Business Registration Certificate and the latest Tax Demand Note (for sole proprietor or a partner in a business)

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