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HSBC Personal Tax Loan

Prepare for the 2021 / 2022 tax season with HSBC's Personal Tax Loan. Our tax loan lets you enjoy fast approval and cash withdrawal.

Exclusive Offer

  • Annualised Percentage Rate as low as 1.57%1

  • Apply now and submit supporting document(s) to enjoy up to HKD3,300 cash rebate2


  • Fast approval and cash withdrawal within 1 minute3

  • Borrow up to HKD3,000,000 or 23 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


  • You must be a Hong Kong resident
  • You must be at least 18 years old
  • You must have a monthly income of at least HKD5,000

Loan resources and services

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

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A comparison of Tax Loan with Instalment Loan.

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Links to Tax Loan Strategy

Tips on what to look for before applications.

Related products

Links to Personal Instalment Loan page

Fixed monthly payments so you can plan accurately.

Links to Revolving Credit Facility page

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

Links to Personal Instalment Loan Balance Consolidation Program page

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

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


  1. Only applicable to customers who have successfully applied for and drawn down the loan during the promotional period which commences on 14 December 2021 and ends on 13 February 2022, both dates inclusive (the "Promotional Period") with an approved loan amount of HKD1,500,000 or above. Based on a monthly flat rate of 0.07%, the Annualised Percentage Rate (APR) would be 1.57% over a repayment period of 12 months. The APR is calculated using method specified in relevant guidelines issued by The Hong Kong Association 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. For your applicable interest rate, please call our hotline 2748 8080; log on to Online Banking or the HSBC HK App. The interest rate that will apply and the amount of interest that will be charged are calculated based on the approved Loan amount and the repayment period. If your Loan application cannot fulfil our credit requirement, the Bank may still process your application on a case-by-case basis, but the interest rate, handling fee, repayment period and/or promotional offer may be adjusted. The Bank will inform you on the finalised Loan details. If you accept the Loan details, we will credit the Loan into your repayment account according to normal procedure.
  2. To be eligible for HKD300 cash rebate under the Document Submission Offer for Personal Instalment Loan or Personal Tax Loan, an Eligible Customer must submit supporting document(s) required by the Bank for a Loan application and the Loan of HKD200,000 or above must be approved during the Promotional Period. This Document Submission offer is not applicable to loan applications on which we do not require submission of any supporting document. To be eligible for a cash rebate of up to HKD3,000 under the Successful Application Offer, customers must submit a Loan application and the Loan must be approved during the promotional period with a repayment period of 24 months, customer are entitled to a HKD1,000 cash rebate for an approved Loan amount of HKD200,000 to less than HKD500,000, or a HKD2,000 cash rebate for an approved Loan amount of HKD500,000 to less than HKD1,500,000, or a HKD3,000 cash rebate for an approved Loan amount of HKD1,5000,000 or above.
  3. 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.
  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.