Top of main content
Father and daughter enjoy reading with tax letter on the table

Personal Tax Loan

Get a cash rebate worth up to HKD200 plus a monthly flat rate as low as 0.08% (APR 1.80%).
  • Fast approval and cash withdrawal within 1 minute
  • Borrow up to HKD3,000,000 or 12 times your monthly salary, whichever is lower
  • No income proof and Tax Demand Note required if you maintain an auto payroll account with HSBC for the last one month
  • If your income is irregular (for example because you work part-time, on commission or on a profit-sharing basis), no income proof is required if you maintain an auto payroll account with HSBC for at least the past 3 month
  • As low as 0.08% monthly flat rate (APR as low as 1.80%)2
  • HKD0 handling fee
  • Up to HKD200 cash rebate for online application and submit supporting document(s)3

Loan resources and services

 
This link will open in a new window

Find a suitable loan product to match with your specific needs by answering a few simple questions.

 
This link will open in a new window

Know what to consider before you borrow money, and understand the risks involved.

 

Discover tips on how to borrow wisely. 

Related products

 

Fixed monthly payments so you can plan accurately.

 

Redraw against your loan without having to reapply.

 

Only pay interest on the credit you use rather than a fixed monthly payment.

 

Clear your debts faster using the Personal Instalment Loan Balance Consolidation Program.

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

Remarks

  1. Applications have to be submitted during the Bank’s service hours (Monday to Friday: 9 am - 8 pm, Saturday: 9 am - 5 pm, Sunday and public holidays: 12 noon - 12 midnight, or individual branch’s opening hours) with all required information (including without limitation a valid HSBC banking account number) and documents. The actual turnaround time starts when all the required information is successfully input into the Bank’s application evaluation system and the Bank may provide the instant application result and fund disbursement. Processing time may vary in some cases depending on the actual circumstances of individual applications.
  2. Only applicable to customers who successfully apply for and drawdown the loan during the promotional period with an approved loan amount of HKD1,500,000 or above. Monthly flat rate is 0.08% and Annualised Percentage Rate (APR) is 1.80% for a repayment period of 12 months. The APR is calculated using method specified in relevant guidelines issued by the Hong Kong Associations of Banks, and is rounded up or down to the nearest two decimal places. An APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate.
  3. To be eligible for HKD100 cash rebate under the Online Exclusive Offer for Personal Tax Loan, an Eligible Customer must submit a Personal Tax Loan application via HSBC website www.hsbc.com.hk or HSBC Personal Internet Banking and the loan of HKD100,000 or above must be approved during the Promotional Period. To be eligible for HKD100 cash rebate under the Document Submission Offer, an Eligible Customer must submit supporting document(s) required by the Bank for a Loan application and the Loan of HKD100,000 or above must be approved during the Promotional Period.
  4. Please note that we do not appoint any third parties to refer Personal Tax Loan applications to us and will not process any application that was referred by a third party under beneficial arrangement. For enquiry, please call our hotline at 2233 3000.