"Interest-Free" Tax loan


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"Interest-Free" Tax loan

OCBC Credit 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 customer service officers will follow-up your loan application.


 Loan Feature

New Premier Banking Customer who successfully applied and drawdown the loan to enjoy up to HK$10,500 cash rebate



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 Eligible customer can enjoy annualized percentage rate("APR") as low as 1.68%


Loan Feature 

 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



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Hong Kong

Central: (+852) 2201 7800

North Point: (+852) 2201 7822

Wanchai: (+852) 2201 7799



Tsim Sha Tsui: (+852) 2201 7900

Kwun Tong: (+852) 2201 7878 

Prince Edward: (+852) 2201 7866


New Territories

Tsuen Wan: (+852) 2201 7988

Tai Po: (+852) 2201 7966

Kwai Fong: (+852) 2201 7933

  1. 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 1.68% 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 Company, the APR for 12 months and 24 months will be 1.68% (inclusive of HK$8,200 cash rebate) or 2.71% (excluding cash rebate) and 3.48% (inclusive of HK$10,500 cash rebate) or 4.15% (excluding cash rebate) respectively, including the handling fee of 1.46% and 2.15% per annum, the total repayment amount will be HK$1,521,900 and HK$1,564,512. 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.


  1. The promotion period of the “Up to HKD10,500 Cash Rebate promotion for Pure Tax Loan” is from 20 October 2023 to 31 March 2024, both dates inclusive (“Promotion Period”).

    The above loan product and offer are bound by the applicable terms and conditions.  Please contact the staff of the Company for details.

    OCBC Credit (Hong Kong) Limited (“Company”) is the wholly-owned subsidiary of OCBC Bank (Hong Kong) Limited. The Company is the entity which processes the application of the "Interest-Free" Tax loan and provides the loan and related services. Customers can submit applications through the branches of the Company and OCBC Bank (Hong Kong) Limited. To enquire about the relevant terms and conditions, please contact the staff of the Company.

    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!


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Visit our branches with your supporting documents