Bank of China
Updated: 29 Apr 2026
中銀香港貸款計劃包括中銀私人分期貸款及結餘轉戶，MoneyHero詳細比較各貸款計劃利息、中銀貸款優點、最高貸款額、還款期以及MoneyHero限時獨家優惠，助你詳盡了解各款中銀香港私人貸款產品。
Why Trust MoneyHero
Loan | Monthly Repayment | MoneyHero Reward | Total Interest | APR | ||
|---|---|---|---|---|---|---|
 | BOC Express Cash Instalment Loan | HK$13,202 | HK$2,000 | HK$16,841 | 5.43 % | |
| BOC Express Cash Instalment Loan Balance Transfer | HK$13,510 | HK$2,000 | HK$24,228 | 10.01 % |
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Monthly Repayment
HK$ HK$
13,202Total Interest
HK$ HK$
16,841APR
5.43 %Processing Fee
HK$ HK$
0For a BOC Express Cash Instalment Loan of HK$300,001 over 24 months, you’ll enjoy via Moneyhero
You'll also receive the following welcome gift(s) directly from the provider
- Apply via online or mobile banking.
- Please read "Key Facts Statement" and "Terms and conditions" and then press "Agree and continue".
- Enter information.
- Authenticate your identity.
- Enter your loan details.
- Confirm loan application submitted.
- APR as low as 1.50%
- Flexible repayment period from 12 months to 60 months
- Loan amount up to HK$4,000,000 or 18x of your monthly salary (whichever is lower)
- Monthly income of HK$6,000 or above
Eligibility
Minimum Age: 18 years old
Minimum Annual Income: HK$6,000
Required Documents
- Hong Kong Identity Card (copy should be enlarged and presented in light color for optimal clarity); or passport/Document of Identity for VISA purpose/working VISA in the event of a non-Hong Kong Permanent resident. (Must be a Hong Kong resident aged 18 or above.)
- (If the permanent residential address is different from the current residential address, please provide additional permanent residential address 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 company Tax Demand Note (for sole proprietor or a partner in business)
1. Hong Kong Identity Card
2. Current Residential Address Proof issued within three months, e.g. electricity bills, rates demand notes or bank statements
3. Income Proof(You must be a full-time employee working in Hong Kong with a monthly salary of HK$6,000 or above):
4. BOCHK may request additional documents in the course of processing your application
Key Features
- The quoted interest rate is calculated based on a loan amount of HK$3,000,000 with repayment tenor of 12 months and monthly flat rate of 0.0674%. The Annualized Percentage Rate (“APR”) is 1.50% and without handling fee, this APR does not include any cash rebate or eligible offers (if applicable) and is applicable to BOCHK Private Wealth Customers or selected customer groups.
- The above information is for reference only. For details, please visit Bank of China (Hong Kong) Limited (“BOCHK”) website
- For details of promotion offers and terms and conditions, please refer to BOCHK website
- Reminder: To borrow or not to borrow? Borrow only if you can repay!
Monthly Repayment
HK$ HK$
13,510Total Interest
HK$ HK$
24,228APR
10.01 %Processing Fee
HK$ HK$
6,000For a BOC Express Cash Instalment Loan Balance Transfer of HK$300,001 over 24 months, you’ll enjoy via Moneyhero
Update your loan amount to at least HK$50,000 and loan tenure to at least 36 month to unlock exclusive gifts worth up to HK$888.
- Apply via online or mobile banking.
- Please read "Key Facts Statement" and "Terms and conditions" and then press "Agree and continue".
- Enter information.
- Authenticate your identity.
- Enter your loan details.
- Confirm loan application submitted.
- APR as low as 5.93%; 1% handling fee
- Repayment period of up to 72 months
- Loan amount up to HK$2,000,000 or 21 times of your monthly salary (whichever is lower)
- Monthly fixed income of HK$6,000 or above
Eligibility
Minimum Age: 18 years old
Minimum Annual Income: HK$6,000
Required Documents
- Hong Kong Identity Card (copy should be enlarged and presented in light color for optimal clarity); or passport/Document of Identity for VISA purpose/working VISA in the event of a non-Hong Kong Permanent resident. (Must be a Hong Kong resident aged 18 or above.)
- (If the permanent residential address is different from the current residential address, please provide additional permanent residential address 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 company Tax Demand Note (for sole proprietor or a partner in business)
1. Hong Kong Identity Card
2. Current Residential Address Proof issued within three months, e.g. electricity bills, rates demand notes or bank statements
3. Income Proof(You must be a full-time employee working in Hong Kong with a monthly salary of HK$6,000 or above):
4. BOCHK may request additional documents in the course of processing your application
Key Features
- The quoted interest rate is calculated based on a loan amount of HK$1,500,000 with repayment tenor of 12 months and a monthly flat rate of 0.1770%. The APR is 5.93%, including an annual handling fee of 1%. This APR does not include any cash rebate or other eligible offers (if applicable).
- 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
- The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider's approval.
- Reminder: To borrow or not to borrow? Borrow only if you can repay!