CNCBI $mart Plus Tax Season Loan
Update time: Mar 2023

Total Repayment (as low as)


Monthly Repayment (as low as)


APR (as low as)

Monthly Flat Rate: 0.06%
Loan amount as high as HK$2,000,000 or 18 times of your monthly salary (whichever is lower)
[Flexibility] APR 1.39% (loan amount HK$2,000,000 and tenor of 12 months)

Great for

  • MoneyHero Exclusive Offer - Apple or Dyson Items Up to HK$4,799
    Customers who successfully apply for CNCBI $mart Plus Tax Season Loan via MoneyHero from 1 March 2023 to 31 March 2023 and drawdown the loan within 1 month after successful application, will be entitled to the following MoneyHero exclusive offer:

    Loan Amount Option 1 Option 2
    HK$800,000 or above iPad Air 10.9-inch, 64GB, Wi-Fi (valued at HK$4,799) HK$4,000 Wellcome Voucher
    HK$400,000 - HK$799,999 Dyson Supersonic™ Hair Dryer HD08 (valued at HK$3,680) HK$3,000 Wellcome Voucher
    HK$100,000 - HK$399,999 De'Longhi Active Line Series Pump-Driven Espresso Coffee Machine ECP35.31 (valued at HK$1,848) HK$1,000 Wellcome Voucher
    • All of the Rewards will be issued randomly in colour
    • For more details about the promotion, please see Terms and Conditions
  • Product Features

    • APR 1.39%
    • Loan amount as high as HK$2,000,000 or 18 times of your monthly salary (whichever is lower)
    • Flexible repayment period of 6 to 60 months Same-day fund disbursement to your CNCBI account
    • Same-day fund disbursement to your CNCBI account

Need to know

  • Things you need to know

    • The APR 1.39% is calculated based on loan amount HK$2,000,000, loan tenor of 12 months , monthly flat rate of 0.0625%, and a handling fee of 0% per annum.
    • The APR is calculated in accordance with the practices and methods set out in the relevant guidelines issued by the Hong Kong Association of Banks. An APR is a reference rate which includes the basic interest rate and other applicable fees and charges expressed as an annualized rate.
    • The monthly flat rate and APR here is for reference only. The approval result is subject to customer’s financial condition and is solely determined by CNCBI.
    • Same-day fund disbursement service is applicable to customers who use CNCBI bank account for fund disbursement, and it only applies to our Bank’s service hours (Monday to Friday from 9:00 am to 8:00 pm and except Saturday, Sunday and public holidays). The processing time starts when the approved loan is confirmed with the Bank.
    • For details, please visit CNCBI website.
    • Terms and conditions apply. To borrow or not to borrow? Borrow only if you can repay!


Minimum Age
18 years old
Min. Annual Income


Handling Fee

Required Documents

1. HKID card / passport / other identification document
2. Bank statement or passbook showing your latest 1-month income proof (including the copy of front cover page
of your passbook which shows your name and account number) or any type of income proof. Please provide
the latest 2-month income proof if you are commission based income earner
3. If you are self-employed, please provide Business registration certificate and the latest profits tax demand note, and
the latest 3-month company account statements
4. Residential address proof showing your name issued within the latest 3 months (e.g. electricity bills or bank statements)
5. Proof of professional qualification (For professionals only)
6. Office address proof if office address is selected as correspondence address
7. If you are not holder of Hong Kong permanent identity card, please submit passport/ Exit/ Entry Permit for Travelling to and from Hong Kong and Macau/ identity card of place of origin and working visa issued by the Hong Kong SAR Government
8. Full copy of the front cover page of passbook / bank statement of the loan disbursement account
9. Autopay authorization form
10. Loan confirmation letter(s) or latest 1-month statement(s) (showing your name and account number) of credit card(s) and loan(s) that you wish to transfer to CNCBI $mart Plus Personal Installment Loan

Isn't the best product for you?

Compare more personal loans on MoneyHero