BOC Express Cash Instalment Loan – Tax Season Loan
Update time: May 2022
Total Repayment (as low as)
Monthly Repayment (as low as)
APR (as low as)
Monthly Flat Rate: 0.09%
Borrow up to HK$4 million or 12x of your monthly salary (whichever is lower)
APR as low as 1.25%, monthly flat rate with as low as HK$0 Handling Fee

Great for

  • APR as low as 1.25%, monthly flat rate with as low as HK$0 Handling Fee, monthly flat rate as low as 0.0562%
  • Simple application documents. Tax demand note is not required.
  • Loan amount up to HK$4,000,000 or 12X of your monthly salary (whichever is lower)
  • Repayment period up to 60 months

Need to know

  • Promotion Period: Until 31 March 2022 (Last drawdown date: 29 April 2022)
  • The quoted Annualised Percentage Rate (“APR”) 1.25% is calculated based on a loan amount of HK$3,000,000 with repayment period of 12 months and monthly flat rate of 0.0562%, 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 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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