Hang Seng Tax Season Loan
Update time: May 2022
Total Repayment (as low as)
Monthly Repayment (as low as)
APR (as low as)
Monthly Flat Rate: 0.17%
APR as low as 1.35% and full handling fee waiver
Defer your first repayment with an interest-free First-month Payment Holiday

Great for

  • [MoneyHero Exclusive Offer] Extra HK$2,000 cash rebate

    • From now till 31 March 2022, with the promotion code "TN2K", customers can enjoy MoneyHero Exclusive Offer of extra HK$2,000 cash rebate upon successful application and drawdown Hang Seng Tax Comforter Loan with HK$500,000 or above and a minimum repayment period of 12 months
  • [Hang Seng Bank Offer] Up to HK$2,000 cash rebate

    • From now till 31 March 2022, customers who have successfully applied and drawdown for the Tax Comforter Loan via online channels can enjoy:
    Loan amount Repayment tenor Cash rebate
    HK$1,000,000 or above 24 months above HK$2,000
    HK$500,000 to HK$999,999 HK$1,000
    HK$100,000 to HK$499,999 HK$500
    HK$1,000,000 or above 12 months to 24 months HK$800
    HK$500,000 to HK$999,999 HK$500
    HK$100,000 to HK$499,999 HK$200
  • Monthly flat rate as low as 0.07%, annualised percentage rate as low as 1.35% and full handling fee waiver
  • Defer your first repayment with an interest-free First-month Payment Holiday

    • First-month Payment Holiday is applicable to customers who successfully apply for and drawdown the Loan, and select a repayment period of 12 months or above during Promotion Period. The first instalment will be deferred to the second month after the Loan is drawndown, and the payment period will be extended by one month accordingly. If customers repay the loan during the First-month Payment Holiday, a prepayment handling fee and the interest portion of first instalment will be charged. The First-month Payment Holiday is subject to individual customers’ credit assessment result and Hang Seng reserves the right to make the final decision
  • Loan amount of up to HK$3,000,000 or 12 times of your monthly salary (whichever is lower)
  • Customers can choose for a 6, 9, 12, 18, 24, 36, 48 or 60 months repayment period. If Tax Payment is the only loan purpose, maximum tenor is 18 months
  • Joint application for married couple to enjoy an even lower interest rate with the combined loan amount

    • Spouses must submit their application forms together or apply via application hotline to enjoy the offer. The offer is not applicable to online application. The interest rate applicable to the spouses depends on their customer type and the total loan amount of the joint application.

Need to know

  • All annualised percentage rates are calculated using the Net Present Value Method in accordance with the Code of Banking Practice. The Annualised Percentage Rates are reference rate which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable)
  • Applicant must be a Hong Kong resident aged 18 or above in full-time employment and minimum monthly income is HK$11,000. Hang Seng Bank Limited reserves the right to request additional income proof if required
  • The cash rebate will be credited to customer’s repayment account by 30 June 2022 without prior notice. Customers must have no record of default or early settlement of their instalment loans. If customers settle their instalment loans ahead of schedule after the crediting of the rebate, he/she shall return the rebate in full to Hang Seng Bank Limited (“Hang Seng”) upon settlement of the loan. Each eligible customer could enjoy the offer once only in the Promotion Period

  • "APR as low as 1.35% and Full Handling Fee Waiver"
    • For a loan amount of HK$1,000,000 or above, the Annualised Percentage Rate of 1.35% is calculated based on a monthly flat rate of 0.07% and a 12-month repayment period (including the full handling fee waiver, and First-month Payment Holiday, Annualised Percentage Rate without Payment Holiday is at 1.56%). The interest rate and the full handling fee waiver are applicable on a case-by-case basis and the final approved interest rate and payable handling fee are subject to the loan amount and credit assessment result
    • If customer's loan application cannot meet the approval requirements, Hang Seng may approve a loan to individual customers on a case-by-case basis but the interest rate and handling fee offered may be adjusted
  • The Annualised Percentage Rate (“APR”) ranges from 1.35% to 48.00%, with repayment period of 6 to 60 months. The loan application is subject to the Bank’s approval.
  • To borrow or not to borrow? Borrow only if you can repay!


Minimum Age
18 years old
Min. Annual Income
HK$132,000 or above
Permanent Resident


Handling Fee

Steps to Apply

1. Click "Apply Now", and go to Hang Seng Bank's dedicated website.

2. Fill out an application and submit the required documents.

3. Wait for approval from Hang Seng Bank.

4. View application status and accept the loan offer.

Required Documents

1. HKID Card

2. Income proof

For regular income earners: the latest Tax Demand Note/Bank account monthly statement/passbook showing your latest one month's salary (if you have maintained a payroll account with Hang Seng for the past one month, no income proof is required)

For irregular income earners: the latest Tax Demand Note/Bank account monthly statement/ passbook showing your latest two month's salary

3. Current residential address proof, e.g. utility bills, bank statement

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