Personal Tax Loan

Promotion Offer

Promotion Period: From 2 November 2017 until 29 March 2018 (inclusive of both dates)

Customers who apply for and drawdown of a Personal Tax Loan in loan amount of HK$200,000 or above during the promotion period could enjoy an annualised percentage rate at 1.88% for helping you to say goodbye to your tax bill!

  • Preferential Loan Interest Rate
    All loan amounts at Same annualised percentage rate
  • Higher Loan Amount
    Loan amount as high as HK$2,000,000 or 12 times of monthly salary (whichever is lower)
  • Greater Flexibility In Repayment
    Tenor options of 12 months, 18 months or 24 months
  • Loan Handling Fee Waiver

Interest Rate Table

Loan Amount (HK$) Monthly Flat Rate
(Monthly Instalment Amount*)
12 Months
Loan Tenor
18 Months
Loan Tenor
24 Months
Loan Tenor
$200,000 - $2,000,000
Annualised percentage rate (APR) 1.88%

* The monthly instalment amount is calculated by every HK$10,000 loan amount and the basis of "Rule of 78" on the apportionment of principal and interest, and is rounded up to the nearest two decimal places. For details of "Rule of 78", customers may refer to FAQs of Personal Tax Loan in the below section or the "Consumer Education Programme - Personal Loans" in the Hong Kong Monetary Authority's website.


  • A Hong Kong permanent resident with aged 18 or above
  • The loan amount of HK$200,000 or above

Application Documents

Please submit a copy of the following documents (together with application form) to branches for handling loan application:

  • Hong Kong Permanent Identity Card
  • Latest 3 months residential address proof
  • Latest 1 month salary proof (salary slip / bank statement or savings passbook showing salary record (including the first page of the passbook with the name of account holder and the account number)
  • Latest Notice of Assessment and Demand for Tax
  • Latest mortgage loan repayment slips or annual statement (for mortgaged property owners)


  1. Income proof is waived for the Bank's existing payroll customer(s)
  2. All application document(s) submitted are not returnable, no matter whether the application is approved or not.
  3. Joint application is only applicable to married couple, and is required to submit individual application form together with the required document(s).
  4. The Bank may require customer(s) to submit additional application document(s).

Early Repayment

  • Early repayment of the Loan is permissible subject to repayment of the outstanding principal amount of the Loan, the interest that would otherwise have been payable on the next monthly repayment date and a sum equal to 2% of the outstanding principal amount of the Loan with a minimum of HK$500.00 on the date of actual repayment.
  • Customers should consider whether the interest saved from early repayment might be unable to cover the early repayment fee/interest involved before deciding whether to pay off the loan early or not.
  • Customers can check with the Bank about total amount involved in early repayment (including outstanding loan balance, early repayment fee, next month payable interest) and the amount of outstanding interest before making a decision of repaying early or not. Please refer to FAQs.

Terms and Conditions for the Promotion Offer

For details, please click here

Key Facts Statement

For details, please click here

Terms and Conditions

For details, please click here

Frequently Asked Questions

For details, please click here

To borrow or not to borrow? Borrow only if you can repay!

In case you wish to enquire whether a third party is appointed by our Bank for referring credit card or loan application, please contact customer service hotline 2818 0282.
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