Personal > Loans > Tax Loan
Tax Season Loan
During this tax season, successfully apply for and drawdown Tax Comforter by 24 March 2020 to enjoy the below offers:

  • Annualised Percentage Rate as low as 2.46%* and Full Handling Fee Waiver*
  • Up to HKD1,000 Cash Rebate for online or mobile application(4)
  • Loan amount of up to HKD3,000,000 or 12 times of your monthly salary(5) (whichever is lower)
  • Tenor as long as 60 months(6)
  • Joint application for married couple to enjoy an even lower interest rate with the combined loan amount(8)
Other Application Channels
  1. 24-hour Personal Loan Application Hotline 2812 8000
  2. Hang Seng Personal Banking Mobile App
Useful Tools
Terms and Conditions
  1. The promotion period commences on 1 January 2020 and expires on 24 March 2020, both dates inclusive (the “Promotion Period”). The offers are available to customers who successfully apply for and draw down Hang Seng Tax Comforter Loan (“the Loan”) within the Promotion Period.
  2. Customers can check the application status via Hang Seng Personal e-Banking. The display of application status is within 45 calendar days from the Application Date, which refers to the application date reflected in the system record of Hang Seng Bank Limited (“Hang Seng”).
  3. Customers can instantly accept the terms and conditions of the Loan via Hang Seng Personal e-Banking. In general, if customer accept the terms and conditions of the Loan via Personal e-Banking before 3:00pm from Monday to Friday, and if the final approved result matches the preliminary approved result, the approved loan amount will be deposited to customer’s designated Loan Disbursement Account in Hang Seng on the same working day the soonest, subject to the actual situation from time to time. Instructions received on Saturday, Sunday or Public Holiday will be processed on the next working day. The approval of the Loan is subject to Hang Seng's final decision.
  4. During the Promotion Period, customers who have successfully applied for Hang Seng Tax Comforter via, Hang Seng Personal e-Banking or Hang Seng Mobile Application and drawn down the loan with a designated drawdown amount and a minimum repayment period of 12 - 24 months will be entitled to up to HKD200 Cash Rebate; as for repayment period of over 24 months will be entitled to up to HKD1,000 Cash Rebate. The applicable Cash Rebate for the corresponding drawdown amount is shown as below.
     Drawdown Amount  Cash Rebate
    (Repayment Period of 12 - 24 months)
     Cash Rebate
    (Repayment Period of 24 months above)
     HKD80,000 – HKD199,999  HKD100  HKD200
     HKD200,000 – HKD499,999  HKD200  HKD500
     HKD500,000 or above  HKD200  HKD1,000
    The Cash Rebate will be credited to customer’s repayment account by 30 June 2020 without prior notice. Customers must have no record of default or early settlement of their instalment loans. If customers settle their instalment loans ahead of schedule after the crediting of the rebate, he/she shall return the rebate in full to Hang Seng upon settlement of the loan. Each eligible customer could enjoy the offer once only in the Promotion Period.
  5. The minimum monthly income of the customers must be HKD11,000 or above. The final approved loan amount is subject to change in accordance with the circumstances of individual cases.
  6. Customers can choose for a 6, 9, 12, 18, 24, 36, 48 or 60 months repayment period. If Tax Payment is the only loan purpose, maximum tenor is 18 months.
  7. Hang Seng reserves the right to request additional documents from individual applicants on a case-by-case basis.
  8. Spouses must submit their application forms together to enjoy the offer. The offer is not applicable to online application. The interest rate applicable to the spouses depends on their customer type and the total loan amount of the joint application.
  9. If customer's loan application cannot meet our approval requirements, Hang Seng may approve a loan to individual customers on a case-by-case basis but the interest rate and handling fee offered may be adjusted. For details, please contact Hang Seng's staff. Customers will be notified of the relevant adjusted interest rate and handling fee upon loan approval. If customer agrees to accept such loan, Hang Seng will credit the loan amount to the designated bank account according to normal procedures.
  10. No person other than the customer and Hang Seng (which includes its successors and assigns) will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provisions of these terms and conditions.
  11. These terms and conditions are subject to prevailing regulatory requirements.
  12. These terms and conditions shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.
  13. Hang Seng reserves the right to terminate the above offers at any time or to vary the same and the related terms and conditions from time to time.
  14. In case of any dispute from customers, the decision of Hang Seng shall be final.
  15. The English version of these terms and conditions shall prevail whenever there is any discrepancy between the English and Chinese versions.


* For a loan amount of HKD1,000,000 or above, the Annualised Percentage Rate of 2.46% is calculated based on a monthly flat rate of 0.11% for Prestige Banking Customer and a 12-month repayment period, including the full handling fee waiver. The interest rate and the full handling fee waiver are applicable on a case-by-case basis and the final approved interest rate and payable handling fee are subject to the loan amount and credit assessment result.

  1. All Annualised Percentage Rates (APRs) are calculated using the Net Present Value Method in accordance with the Code of Banking Practice. The annualised Percentage Rates are reference rate which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable). For the loan and offer details, interest rates, handling fees, Annualised Percentage Rates, terms and conditions, please contact Hang Seng branch staff or refer to the promotional materials. The salary scheme of our representatives (included basic salary and incentive) is based on their performance of various aspects and not only the sales target achieved.
  2. Customer is advised to pay attention on whether interest expenses would be saved by making early repayment of personal instalment loan. For enquiring the relevant fees and charges of loan account, please call our Personal Loan Service Hotline 2997 3882.
  3. For the frequently asked questions relating to Personal Instalment Loan (e.g. Important notes of early repayment; the basis of apportionment of principal and interest in the monthly repayment, etc), please refer to our Bank’s website (Personal Banking>Loans>Personal Instalment Loan>FAQ).
The Annualised Percentage Rate (“APR”) ranges from 2.46% to 48.00%, with repayment period of 6 to 60 months. The loan application is subject to the Bank’s approval. For a loan amount of HKD100,000 with 12 months repayment period, the monthly flat rate applicable to Prestige Banking Customers is 0.15% (APR 3.36%), and the total loan repayment amount is HKD101,800.80 (including full handling fee waiver). The above example is for reference only.
To borrow or not to borrow? Borrow only if you can repay!