OCBC Personal Loans | Low-Interest Repayments | Fast Approval to Help You Manage Financial Needs
Updated: 23 Apr 2026
OCBC Bank Personal Loan (Tax Season applicable)
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 1.3%
- 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 with the monthly flat rate at 0.062%, when approval is obtained from the Bank, the APR for 12 months will be 1.3% (inclusive of HK$15,700 cash rebate) or 3.28% (excluding cash rebate), including the handling fee of 1.00% per annum, the total repayment amount will be HK$1,511,160. The loan handling fee is to be paid in full upon loan drawdown. 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 details, please contact our staff..
- To borrow or not to borrow? Borrow only if you can repay!
OCBC Bank Balance Transfer Personal Loan
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 3.26%
- 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 with the monthly flat rate at 0.062%, when approval is obtained from the Bank, the APR for 12 months will be 3.28%, including the handling fee of 1.00% per annum, the total repayment amount will be HK$1,511,160. The loan handling fee is to be paid in full upon loan drawdown.
- Example is for reference only, APR may differ with different loan amounts and tenors.
- For details, please contact our staff.
- To borrow or not to borrow? Borrow only if you can repay!
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Loan | MoneyHero Reward | Total Interest | Total Repayment | APR | ||
|---|---|---|---|---|---|---|
| OCBC Bank Personal Loan (Tax Season applicable) | HK$7,300 | HK$2,232 | HK$305,254 | 1.30 % | |
| OCBC Bank Balance Transfer Personal Loan | HK$6,500 | HK$2,160 | HK$302,160 | 3.26 % |
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