OCBC Personal Loans | Low-Interest Repayments | Fast Approval to Help You Manage Financial Needs
Updated: 15 Oct 2025
Loan | Monthly Repayment | MoneyHero Reward | Total Interest | APR | ||
|---|---|---|---|---|---|---|
 | OCBC Bank "Interest-Free" Tax Loan | HK$25,186 | HK$8,000 | HK$0 | 1.38 % | |
 | OCBC Bank Balance Transfer Personal Loan | HK$25,180 | HK$7,000 | HK$2,160 | 3.25 % |
1. Apply Online
2. Application and Documents Submission: The relationship officer will contact you to complete the application form and submit the required documents.
3. Application Approval: Generally, the application result will be notified within 1 to 2 working days after submitting the documents. Instant approval can also be offered upon request, with the process completed as soon as the same day.
4. Loan Drawdown: Upon completion of loan confirmation process, the fund will be disbursed to your designated bank account via bank transfer or cashier order.
- APR as low as 1.38%
- Loan amount up to HK$3,000,000 or 12X of your monthly salary (whichever is lower)
- Repayment tenor up to 24 months
- Eligible customers can enjoy the “3-Month Interest-Free Skip-Payment” offer
- Personal Identification Document: HKID card or passport
- Income Proof: Recent pay slip, your bank statement or bank book (with your name and account number) showing your recent income, your recent income tax bill, proof of your last MPF contribution, employment letter or contract, etc.
- Address Proof: Recent bank statement, credit card statement, water bill, telephone bill etc. If your address is shown on your income proof, you will be exempted from submitting the address proof.
- Other documents (if necessary)
- For more details, please click here
- APR is calculated according to the method set out in the relevant guidelines under the Code of Banking Practice issued by the Hong Kong Association of Banks as the basis.
- If the loan amount is $1,500,000 with the monthly flat rate at 0%, when approval is obtained from the Bank, the APR for 12 months and 24 months will be 1.38% (inclusive of HK$6,800 cash rebate and 3-Month Interest-Free Skip Payment) or 2.71% (excluding cash rebate) and 2.86% (inclusive of HK$10,000 cash rebate) or 3.52% (excluding cash rebate) respectively, including the handling fee of 1.46% and 1.825% per annum, the total repayment amount will be HK$1,521,900 and HK$1,554,768. The handling fee shall be added onto the loan amount and to be paid together with the monthly instalments. The value of the Rebate that an Eligible Customer is entitled to will depend on the Loan amount applied for and drawn down and the APR.
- Example is for reference only, APR may differ with different loan amounts and tenors.
- For enquiries, please refer to OCBC Bank (Hong Kong) Limited - Tax Loan website.
- To borrow or not to borrow? Borrow only if you can repay!
1. Apply Online
2. Application and Documents Submission: The relationship officer will contact you to complete the application form and submit the required documents.
3. Application Approval: Generally, the application result will be notified within 1 to 2 working days after submitting the documents. Instant approval can also be offered upon request, with the process completed as soon as the same day.
4. Loan Drawdown: Upon completion of loan confirmation process, the fund will be disbursed to your designated bank account via bank transfer or cashier order.
- APR as low as 3.25%
- Loan amount up to HK$2,000,000 or 20X of your monthly salary (whichever is lower)
- Repayment tenor up to 60 months
- Personal Identification Document: HKID card or passport
- Income Proof: Recent pay slip, your bank statement or bank book (with your name and account number) showing your recent income, your recent income tax bill, proof of your last MPF contribution, employment letter or contract, etc.
- Address Proof: Recent bank statement, credit card statement, water bill, telephone bill etc. If your address is shown on your income proof, you will be exempted from submitting the address proof.
- Other documents (if necessary)
- For more details, please click here
- APR is calculated according to the method set out in the relevant guidelines under the Code of Banking Practice issued by the Hong Kong Association of Banks as the basis.
- If the loan amount is $1,500,000, the monthly flat rate for 12 months is 0.060%, if the loan is approved finally by the Bank, the APR for 12 months is 3.25%, with a handling fee of 1% per annum included, the total loan repayment amount is HK$1,510,800.
- Example is for reference only, APR may differ with different loan amounts and tenors.
- For enquiries, please refer to OCBC Bank (Hong Kong) Limited - Balance Transfer Personal Loan website.
- To borrow or not to borrow? Borrow only if you can repay!
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