BOC Express Cash Instalment Loan – Tax Season Loan
Update time: Nov 2022
Total Repayment (as low as)
Monthly Repayment (as low as)
APR (as low as)
Monthly Flat Rate: 0.18%
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 – Tax Season Loan via MoneyHero website, with inputting reference code “AH”, can enjoy extra HK$200 Cash Rebate. Terms and Condition apply.
  • BOCHK Offer 1 - Early Bird Reward up to HK$1,000 cash rebate

    • From 29 September to 31 December 2022 (both dates inclusive), customers can earn up to a HK$1,000 cash rebate by applying for the loan with a loan amount of HK$50,000 or above, and with a repayment tenor of 24 months or above and submit documents successfully via designated e-channels.
    Loan Amount Cash Rebate
    HK$50,000 - HK$79,999 HK$100
    HK$80,000 - HK$499,999 HK$200
    HK$500,000 - HK$999,999 HK$500
    HK$1,000,000 or above HK$1,000
    • Customers should successfully drawdown the loan on or before 31 January 2023 to be eligible to the cash rebate.


  • BOCHK Offer 2 - E-Channel Reward up to HK$2,000

    • Customers can earn a HK$2,000 cash rebate by fulfilling the following requirements 
    Loan Amount Cash Rebate
    HK$50,000 - HK$79,999 HK$100
    HK$80,000 - HK$199,999 HK$200
    HK$200,000 - HK$499,999 HK$500
    HK$500,000 - HK$999,999 HK$1,000
    HK$1,000,000 or above HK$2,000
    • successfully apply with a loan amount of HK$50,000 or above, and with a repayment tenor of 24 months or above with the promotion period, and
    • register for Payroll Service on or before 31 December 2022, and
    • start receiving salary via payroll account within the next 2 calendar months from the date of the payroll service registration, and maintain this arrangement until the relevant reward is credited
    • have taken up designated banking service(s)
    • should maintain a valid and designated account with BOCHK
    • The Payroll Account Extra Reward will be directly credited to the BOC repayment account of the Eligible Payroll Account Customers on or before 31 July 2023 without prior notice.


  • BOCHK Offer 3 - up to HK$500 Payroll Account Reward

    • Customers can earn up to HK$500 cash rebate by fulfilling the following requirements 
      Requirement Cash Rebate
      HK$50,000 - HK$199,999 HK$100
      HK$200,000 - HK$499,999 HK$200
      HK$500,000 or above HK$500
  • 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$3,000,000 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)

Isn't the best product for you?

Compare more personal loans on MoneyHero