"Interest-Free" Tax loan
Supporting Your Life Goal
For Key Facts Statement for "Interest-Free" Tax loan, please click here.
"Interest-Free" Tax loan
OCBC Bank launches "Interest-Free" Tax loan with a preferential low interest rate pre-emptively, which lets you be stress-free during tax loan season. Our dedicated relationship officers will follow-up your loan application.
● Smart Tip - Key Facts Statement, Terms and Conditions, Reminders about Responsible Borrowing, “Up to HKD10,000 Cash Rebate promotion for Pure Tax Loan” and “3-Month Interest-Free Skip-Payment” Terms and conditions , "Interest-Free" Tax loan Terms and conditions, “Apple Store Gift Card Offer” Terms and conditions , "Mobile APP Application Offer" Terms and Conditions
New Premier Banking Customer who successfully applied and drawdown the loan to enjoy up to HK$11,300 cash rebate
Interest-Free and eligible customer can enjoy
3-Months Interest-Free Skip Payment
Eligible customer can enjoy annualized percentage rate("APR") as low as 1.38%
Maximum loan amount: HK$3,000,000 or 12 times of monthly salary (Whichever is lower)
Required Documents for Loan Application
- Personal Identification Document: HKID card or passport
- Income Proof: Recent pay slip, your bank statement or bank book (with your name and account number) showing your recent income, your recent income tax bill, proof of your last MPF contribution, employment letter or contract, etc.
- Address Proof: Recent bank statement, credit card statement, water bill, telephone bill etc. If your address is shown on your income proof, you will be exempted from submitting the address proof.
- Other documents (if necessary)
- For more details, please click here
Enquiry Hotline: (+852) 2201 7800
- Annualized percentage rate("APR") is a reference rate which includes the basic interest rates and other fees and charges of a product expressed as an annualized rate. The APR ranged from 1.38% to 36% generally and the minimum repayment period and maximum repayment period is of 6 months to 24 months. APR is calculated according to the method set out in the relevant guidelines under the Code of Banking Practice issued by the Hong Kong Association of Banks as the basis. The APR has been corrected to 2 decimal places. If the loan amount is $1,500,000 with the monthly flat rate at 0%, when approval is obtained from the Bank, the APR for 12 months and 24 months will be 1.38% (inclusive of HK$6,800 cash rebate and 3-Month Interest-Free Skip Payment) or 2.71% (excluding cash rebate) and 2.86% (inclusive of HK$10,000 cash rebate) or 3. 52% (excluding cash rebate) respectively, including the handling fee of 1.46% and 1.825% per annum, the total repayment amount will be HK$1,521,900 and HK$1,554,768. The handling fee shall be added onto the loan amount and to be paid together with the monthly instalments. The value of the Rebate that an Eligible Customer is entitled to will depend on the Loan amount applied for and drawn down and the APR.
- The promotion period of the “Up to HKD10,000 Cash Rebate promotion for Pure Tax Loan” and “3-Month Interest-Free Skip-Payment” is from 6 October 2025 to 31 March 2026, both dates inclusive.
- The Promotion period of the “Apple Store Gift Card Offer” and “Mobile App Application Offer” is from 1 October 2025 to 31 December 2025, both dates inclusive.
- It comprises the total sum of up to HK$10,000 Cash Rebate and $500 Apple Store Gift Card and Extra HK$800 Apple Store Gift Card under the Promotion.
The above loan product and offer are bound by the applicable terms and conditions. Please contact the staff of the Bank for details.
Before you make request for early repayment for Instalment loan, please refer to "FAQ" of this website.
For details or enquiries about the related terms and conditions, please contact us.
To borrow or not to borrow? Borrow only if you can repay!
