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Standard Chartered Personal Instalment Loan

Standard Chartered Personal Instalment Loan

MoneyHero Exclusive OfferFeatured Product
Standard Chartered Personal Instalment Loan
$408,918
Total Repayment (as low as)
$17,038
Monthly Repayment (as low as)
2.15%
APR (as low as)Monthly Flat Rate: 0.09%
MoneyHero Exclusive Offer:
[Top-Up Exclusive Offer Till 30 Apr] Up to HK$10,800 rewards (including exclusive HK$6,800 Apple e-gift card, sufficient for purchasing iPhone 12) for successful applications and drawdown of specific loan amounts via MoneyHero
Max Loan Repayment Tenure: 60 months; 0% handling fee
[Smart way] APR as low as 1.75% (loan amount HK$200k or above and tenor of 12 months)
Max Loan Repayment Tenure: 60 months; 0% handling fee
[Smart way] APR as low as 1.75% (loan amount HK$200k or above and tenor of 12 months)
Citi Speedy Cash

Citi Speedy Cash

MoneyHero Exclusive OfferFeatured Product
Citi Speedy Cash
$407,680
Total Repayment (as low as)
$16,987
Monthly Repayment (as low as)
1.78%
APR (as low as)Monthly Flat Rate: 0.08%
MoneyHero Exclusive Offer:
Enjoy up to HK$7,000 cash coupon for successful applications via MoneyHero
[Same day approval and same day loan disbursement] Loan amount up to 12x monthly salary; APR as low as 1.78% (calculation based on the monthly flat rate 0.08% with loan amount of HK$1,500,000 and repayment period of 12 months);
The Actual APR may vary for individual customers
[Same day approval and same day loan disbursement] Loan amount up to 12x monthly salary; APR as low as 1.78% (calculation based on the monthly flat rate 0.08% with loan amount of HK$1,500,000 and repayment period of 12 months);
The Actual APR may vary for individual customers
CNCBI $mart Plus Personal Installment Loan

CNCBI $mart Plus Personal Installment Loan

MoneyHero Exclusive OfferFeatured Product
CNCBI $mart Plus Personal Installment Loan
$412,192
Total Repayment (as low as)
$17,175
Monthly Repayment (as low as)
1.9%
APR (as low as)Monthly Flat Rate: 0.13%
MoneyHero Exclusive Offer:
Up to HK$4,000 exclusive cash rebate and handling fee waiver for successful application via MoneyHero
Loan amount as high as HK$2,000,000 or 18 times of your monthly salary (whichever is lower)
[Flexibility] APR as low as 1.9% (loan amount HK$200k and tenor of 12 months)
Loan amount as high as HK$2,000,000 or 18 times of your monthly salary (whichever is lower)
[Flexibility] APR as low as 1.9% (loan amount HK$200k and tenor of 12 months)
BEA Tax Season Loan

BEA Tax Season Loan

MoneyHero Exclusive Offer
BEA Tax Season Loan
$414,400
Total Repayment (as low as)
$17,267
Monthly Repayment (as low as)
2.23%
APR (as low as)Monthly Flat Rate: 0.15%
MoneyHero Exclusive Offer:
[Deadline: 29 Apr] Enjoy up to HK$11,400 cash rewards for successful applications and drawdown of specific loan amounts via MoneyHero (including top-up exclusive HK$5,000 cash rewards)
[Stay home and relax] Loan amount up to 12x your monthly salary or HK$3m
[Tax season has come] Customers enjoy APR 1.78% for loan amount of HK$50,000 or above, 12-month repayment, monthly flat rate 0.08%
[Stay home and relax] Loan amount up to 12x your monthly salary or HK$3m
[Tax season has come] Customers enjoy APR 1.78% for loan amount of HK$50,000 or above, 12-month repayment, monthly flat rate 0.08%
BOC Express Cash Instalment Loan

BOC Express Cash Instalment Loan

BOC Express Cash Instalment Loan
$410,714
Total Repayment (as low as)
$17,113
Monthly Repayment (as low as)
2.58%
APR (as low as)Monthly Flat Rate: 0.11%
[Family expenses, festival consumption] Loan amount up to 12x your monthly salary or HK$2m (whichever is lower)
[Stay home] Apply through a new online and mobile banking
[Family expenses, festival consumption] Loan amount up to 12x your monthly salary or HK$2m (whichever is lower)
[Stay home] Apply through a new online and mobile banking
DBS Personal Instalment Loan

DBS Personal Instalment Loan

Latest Offer
DBS Personal Instalment Loan
$403,840
Total Repayment (as low as)
$16,827
Monthly Repayment (as low as)
2.91%
APR (as low as)Monthly Flat Rate: 0.04%
Latest Offer:
[Deadline: 30 Apr 2021] Enjoy up to HK$2,500 "InstaRedeem" amount for withdrawal of loan amount of HK$1.5m or above
[Be flexible] Loan amount up to 20x your monthly salary or HK$2m (whichever is lower)
[Instrantly transferred] Enjoy APR 4.04% for loan amount of HK$200,000 to HK$499,999, 12-month repayment and 0.01% monthly flat rate; experience real instant cash now for loan amount to HK$30k or above
[Be flexible] Loan amount up to 20x your monthly salary or HK$2m (whichever is lower)
[Instrantly transferred] Enjoy APR 4.04% for loan amount of HK$200,000 to HK$499,999, 12-month repayment and 0.01% monthly flat rate; experience real instant cash now for loan amount to HK$30k or above
Hang Seng Tax Season Loan

Hang Seng Tax Season Loan

Hang Seng Tax Season Loan
$413,440
Total Repayment (as low as)
$17,227
Monthly Repayment (as low as)
3.24%
APR (as low as)Monthly Flat Rate: 0.14%
APR as low as 2.01%
Joint application for married couple to enjoy an even lower interest rate
APR as low as 2.01%
Joint application for married couple to enjoy an even lower interest rate
DBS Debt Consolidation Loan

DBS Debt Consolidation Loan

Latest Offer
DBS Debt Consolidation Loan
$409,600
Total Repayment (as low as)
$17,067
Monthly Repayment (as low as)
4.34%
APR (as low as)Monthly Flat Rate: 0.1%
Latest Offer:
[Deadline: 30 Apr 2021] Enjoy up to HK$3,300 cash coupon for withdrawal of loan amount HK$1m or above
[More debt, less burden] Loan amount up to 21x your monthly salary or HK$2m (whichever is lower)
[Consolidate your debts] Say no to minimal payment of credit card debt
[More debt, less burden] Loan amount up to 21x your monthly salary or HK$2m (whichever is lower)
[Consolidate your debts] Say no to minimal payment of credit card debt
DBS Tax Season Loan

DBS Tax Season Loan

DBS Tax Season Loan
$418,240
Total Repayment (as low as)
$17,427
Monthly Repayment (as low as)
4.4%
APR (as low as)Monthly Flat Rate: 0.19%
[Work hard and pay tax] Loan amount up to 20x of your monthly salary or HK$2m (whichever is lower)
[Lower rate of DBS Personal Loan] Enjoy APR 4.26% for loan amount of HK$200,000 to HK$499,999, 12-month repayment and 0.19% monthly flat rate 0.19%
[Work hard and pay tax] Loan amount up to 20x of your monthly salary or HK$2m (whichever is lower)
[Lower rate of DBS Personal Loan] Enjoy APR 4.26% for loan amount of HK$200,000 to HK$499,999, 12-month repayment and 0.19% monthly flat rate 0.19%
Hang Seng Handy Cash Personal Instalment Loan

Hang Seng Handy Cash Personal Instalment Loan

Hang Seng Handy Cash Personal Instalment Loan
$418,240
Total Repayment (as low as)
$17,427
Monthly Repayment (as low as)
4.4%
APR (as low as)Monthly Flat Rate: 0.19%
Monthly flat rate as low as 0.09%; APR as low as 2.01%
Max loan amount up to HK$3,000,000 or 15 times of your monthly salary
Monthly flat rate as low as 0.09%; APR as low as 2.01%
Max loan amount up to HK$3,000,000 or 15 times of your monthly salary
MoneyHero compares loans that can be paid back over terms of between 12 and 84 months. The APR interest rate you will be charged will depend on your personal circumstances, and will be between APR: 2% and APR: 59%. This is a representative example of what it may cost: a Loan of HK$200,000 over 12 months at 7.02% APR and monthly interest rate at 0.31% would equate to monthly repayments of HK$17,287, and the total repayment of the loan that you pay back would be HK$207,444.
Need some help?
No worries, we've got you covered!
What is the difference between tax loans and personal loans?

Tax loans are special loans that usually offered from during tax season from October through April of each year while customers can borrow personal loans any time of the year. Tax loans generally offers lower interest rates with smaller loan amount and shorter repayment period. In Hong Kong, banks like BEA, Bank of China, Standard Chartered, Citibank and Fubon bank will provide tax loans starting from mid-October to help customers.

What is the usual maximum loan amount and repayment period for tax loans?

The repayment period for tax loans is usually 12-24 months and some banks even offer loan tenor of six months. The maximum loan amount that applicants can borrow can be up to 10-12 times of their monthly salary.

What should I pay attention to during application for tax loans?

In general, there is not much difference in the procedure of applying for a personal loan and a tax loan, but you have to submit your salaries tax assessment demand notes during application for tax loans. You should also check if the bank will charge you handling fee and early repayment fee, or provide special offers such as cash rebate and handling fee wavier. Compare annualized percentage rate (APR), interest rates, total repayment amount and tenor at MoneyHero now to find the tax loan that best suits your needs.

How to apply for a tax loan?How to apply for a tax loan?

The application requirements of tax loans are usually similar to those of personal loans, and the application processes are simple and convenient. Generally, all applicants can apply online or by phone, or visit any branch for inquiry. Supporting documents include Hong Kong Identity card, tax demand note, income proof and residential address proof. After completing the application, the bank or financial institution will inform the borrower of the approval result.

Are tax loans only for tax payment?

The nature of tax loans and personal loans are actually rather similar, but since the interest rates of tax loans are usually lower, some applicants may spend the loan money on specific purposes other than tax payment, such as investment and credit card payment. Please keep in mind that tax loans are short-term loans with the maximum repayment period of two years; and the late payment interest penalties could be very costly, which means you have to bear high risks if you spend the tax loan money on long-term investment.

Does tax loans offer lower interest rates than personal loan?

Interest rates charged on tax loans are generally lower than for personal loans. Nevertheless, the usual repayment period of a tax loan is much shorter than other types of loans, and the max. loan amount is relative lower than other loans. The actual interest rate of a tax loan is affected by loan amount and repayment period.

How can I decide which tax loan is better?

You should compare tax loans offered by different providers using the APR, an annual rate that shows the total yearly cost of borrowing, including any fees and additional charges associated with the loan. This gives you a much better idea of which tax loan costs you the least.

When can I apply for tax loans?

Generally, you can apply for tax loans from October through April of each year.

Why should I apply for a tax loan through MoneyHero?

Intense competition appears in the tax loan market every year during the tax season in Hong Kong. In that period, every bank launch new tax loan offers to attract customers with the wording of "lowest interest rate", making it hard for consumers to make a wise decision. MoneyHero is a free financial comparison platform that provide the latest information on tax loan products. We keep the list updated in order to help consumers to compare tax loan products at one glance.

What is the advantage of applying tax loan online?

Some banks offer additional discounts for online applicants no matter they are new or existing customers. To maximize your savings, find out which lenders offer these promotions through MoneyHero!

Confused about personal loan terms?

Glossary terms to know for first-time personal loan applicants

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