OCBC Personal Loans | Low-Interest Repayments | Fast Approval to Help You Manage Financial Needs
Updated: 15 Oct 2025
Need funds urgently? OCBC offers low-interest loans, flexible repayment options, and fast approval to help you quickly meet your financial needs. Compare OCBC loan plans, interest rates, and repayment terms through MoneyHero, and use the loan calculator to choose the plan that suits you best. Borrow and repay with ease!
Total Interest
HK$ 0Total Repayment
HK$ 302,235APR
1.38 %Handling Fee
HK$ 2,235For a OCBC Bank "Interest-Free" Tax Loan of HK$300,000 over 12 months, you’ll enjoy via Moneyhero:
You’ll also receive the following welcome gift(s) directly from the lender:
- 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
Eligibility
Minimum Age: 18 years old
Required Documents
- 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
Key Features
- 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 0.063%, if the loan is approved finally by the Company, the APR for 12 months is 3.30%, with a handling fee of 1% per annum included, the total loan repayment amount is HK$1,511,340.
- Example is for reference only, APR may differ with different loan amounts and tenors.
- For enquiries, please refer to OCBC Bank (Hong Kong) Limited - Tax Loan website.
- To borrow or not to borrow? Borrow only if you can repay!
Total Interest
HK$ 2,160Total Repayment
HK$ 302,160APR
3.25 %Handling Fee
HK$ 0For a OCBC Bank Balance Transfer Personal Loan of HK$300,000 over 12 months, you’ll enjoy via Moneyhero:
You’ll also receive the following welcome gift(s) directly from the lender:
- 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
Eligibility
Minimum Age: 18 years old
Required Documents
- 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
Key Features
- 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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