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Happy man makes government tax letter into origami; image used for HSBC Personal Tax Loan in 2020.

HSBC Personal Tax Loan

Prepare for the 2020 / 2021 tax season with HSBC's Personal Tax Loan. Our tax loan lets you enjoy fast approval and cash withdrawal.

Exclusive Offer

  • As low as 0.09% monthly flat rate (APR as low as 2.02%)1
  • Submit supporting document(s) to enjoy up to HKD100 cash rebate2

Features

  • Fast approval and cash withdrawal within 1 minute3
  • 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

Eligibity

  • 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

How to apply

Existing customer

Apply online for Personal Tax Loan This link will open in a new window

New customer

Complete the online application to apply Personal Tax Loan This link will open in a new window

Application Hotline

(852) 2748 8080

Document Upload

Submit supporting documents now and to apply Personal Tax Loan

Interest rate

Preferential interest rate for personal tax loan
Loans amount (HKD)

Flat rate per month

6-12 months

Monthly repayment amount (HKD) - 

For every HKD10,000 loan amount (APR)
12 months
HKD5,000 - HKD99,999 0.19% HKD852.4 (4.28%)
HKD100,000 - HKD199,999
 0.17%
 HKD850.4 (3.82%)
HKD200,000 - HKD299,999
 0.15%
 HKD848.4 (3.37%)
HKD300,000 - HKD499,999
 0.14%
 HKD847.4 (3.15%)
HKD500,000 - HKD799,999
 0.13%
 HKD846.4 (2.92%)
HKD800,000 - HKD999,999
 0.12% HKD845.4 (2.70%)
HKD1,000,000 - HKD1,499,999
 0.10%
 HKD843.4 (2.25%)
HKD1,500,000 or above
 0.09%
 HKD842.4 (2.02%)
Preferential interest rate for personal tax loan
Loans amount (HKD)
HKD5,000 - HKD99,999

Flat rate per month

6-12 months

 0.19%

Monthly repayment amount (HKD) - 

For every HKD10,000 loan amount (APR)
12 months

 HKD852.4 (4.28%)
Loans amount (HKD)
HKD100,000 - HKD199,999

Flat rate per month

6-12 months

 0.17%

Monthly repayment amount (HKD) - 

For every HKD10,000 loan amount (APR)
12 months

 HKD850.4 (3.82%)
Loans amount (HKD)
HKD200,000 - HKD299,999

Flat rate per month

6-12 months

 0.15%

Monthly repayment amount (HKD) - 

For every HKD10,000 loan amount (APR)
12 months

 HKD848.4 (3.37%)
Loans amount (HKD)
HKD300,000 - HKD499,999

Flat rate per month

6-12 months

 0.14%

Monthly repayment amount (HKD) - 

For every HKD10,000 loan amount (APR)
12 months

 HKD847.4 (3.15%)
Loans amount (HKD)
HKD500,000 - HKD799,999

Flat rate per month

6-12 months

 0.13%

Monthly repayment amount (HKD) - 

For every HKD10,000 loan amount (APR)
12 months

 HKD846.4 (2.92%)
Loans amount (HKD)
HKD800,000 - HKD999,999

Flat rate per month

6-12 months

 0.12%

Monthly repayment amount (HKD) - 

For every HKD10,000 loan amount (APR)
12 months

 HKD845.4 (2.70%)
Loans amount (HKD)
HKD1,000,000 - HKD1,499,999

Flat rate per month

6-12 months

 0.10%

Monthly repayment amount (HKD) - 

For every HKD10,000 loan amount (APR)
12 months

 HKD843.4 (2.25%)
Loans amount (HKD)
HKD1,500,000 or above

Flat rate per month

6-12 months

 0.09%

Monthly repayment amount (HKD) - 

For every HKD10,000 loan amount (APR)
12 months

 HKD842.4 (2.02%)

The monthly repayment amount and the Annualised Percentage Rate (APR) is calculated based on 6, 9, 12, 18 or 24-month repayment period and loan amount of every HK$10,000. The monthly repayment amount is rounded up to one decimal place. 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. Please note that the actual monthly repayment amount may differ, Customers can refer to the Loan confirmation letter for actual related information.

Promotional Period: 22 Oct 2020 - 25 Jan 2021 (both dates inclusive)

6-12 months 

above 12 months 

Loan resources and services

Desk with document and phone; image used for loans product.

Submit supporting documents for personal loans applications

 
links to Personal Loan applications page

       

Desk with coins and calculator; image used for loans product.

Which HSBC lending solution is your right match?

 
Links to loans articles 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.

A man is using his laptop, image used for "Compare tax loans vs instalment loans" article.

Personal Loans and Tax Loan Comparison

 
Links to loans articles

Discover which loan plan is the most suitable to you and having the best offer. 

A girl is looking at her phone, image used for "Tax Loan Strategy!" article

Tax Loan Strategy

 
Links to loans articles

Discover what is tax loan and how to apply it.

Related products

Personal Instalment Loan

 
Links to Personal Instalment Loan page

Fixed monthly payments so you can plan accurately.

Redraw your Personal Instalment Loan

 
Links to Personal Instalment Loan Redraw page

Redraw against your loan without having to reapply.

Revolving Credit Facility

 
Links to Revolving Credit Facility page

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

Consolidation your debts

 
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!

Important information

Remarks

  1. 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 0.09% and Annualised Percentage Rate (APR) is 2.02% 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.
  2. To be eligible for HKD100 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 HKD100,000 or above must be approved during the Promotional Period.
  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.
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