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    Tax Comforter Loan

    Overview

    From 24 October 2025 till 21 December 2025, apply for Tax Comforter Loan online to get approved in 1 minute and withdraw cash instantly[1]

    Apply now

    Begin your application here

    Apply now

    Latest offer

    Annualised Percentage Rate as low as 1.68%[2]

    Loan amount up to HKD3,000,000 or 18 times of your monthly salary (whichever is lower)[3]

    Repayment period up to 24 months[3]

    Useful Tools

    Edit your loan plan

    Answer simple questions below and get your loan plan

    day(s)
    Your loan plan Result Your instalment plan
    As of HKT
    Monthly repayment amount
    HKD HKD -
    Monthly flat rate
    - %
    Monthly handling fee
    HKD -
    Debt Consolidation Instalment Loan Credit Card Minimum Payment
    Debt Consolidation Instalment Loan Credit Card Minimum Payment
    Monthly repayment amount HKD - Minimum Payment
    Total interest amount HKD -
    (Save HKD -)     		HKD -
    Repayment period 72 month(s)
    (Shortened by - month(s))    		 - month(s)
    The Annualised Percentage Rate of Debt Consolidation Instalment Loan is -
    Your payment will be as follows if you make no additional changes using this account:
    Each month you pay (HKD) Repayment period Estimated total payment amount (HKD)
    Each month you pay (HKD) Repayment period Estimated total payment amount (HKD)
    Only the minimum repayment - month(s) -
    - 36 month(s) -
    If you pay off the balance amount in 36 months, you can save HKD - for the total payment amount.
    Annual interest rate
    - %
    Annualised Percentage Rate (”APR“)
    - %
    Daily interest payable Daily interest paid
    HKD -
    Monthly interest paid[6] Monthly interest paid[7]
    HKD - -
    Interest rate Effective rate (p.a.)
    - %
    Monthly minimum payment amount
    HKD -
    Total interest to be paid[2]
    HKD -
    Annualised interest rate (p.a.)
    -
    Apply now
    View repayment schedule
    Your loan plan

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    • The result of the loan calculator is for reference only. The actual repayment liability depends on terms of each borrowing arrangement. The calculation of the monthly repayment amount and the APR listed above does not include any fees, charges and cash rebate. The monthly repayment amount is rounded up to 1 decimal point.
    • For a loan tenor longer than 24 months, please refer to Hang Seng Personal Instalment Loan. Please click here for details.

    Footnote

    Remark(s)

    1. 1-minute approval and instant disbursement are only available for applications submitted via Hang Seng Mobile App or Personal e-Banking during service hours (Mon to Fri: 9:00a.m. to 8:55p.m.; Sat: 9:00a.m. to 5:55p.m.), applicants must meet credit approval requirements and provide required information (such as a valid Hang Seng account number).
    2. The Annualised Percentage Rates (APRs) are reference rates which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable), calculated using the Net Present Value Method according to the Code of Banking Practice. The APR for this product ranges from 1.68% to 36.00%. For the APR of 1.68%, it is calculated based on a loan amount of HKD1,500,000, a monthly flat rate of 0.0755% and a 12-month repayment period, including 0% handling fee, the total loan repayment amount is HKD1,513,590.00.
    3. Customers can choose for a 12, 18 or 24 months repayment period. Minimum loan amount is HKD5,000 and the maximum amount is either HKD3,000,000 or 18 times your monthly salary, whichever is lower.
    4. The loan application is subject to Hang Seng's approval. Actual interest rate, approved loan amount, and required document for loan application may vary on a case-by-case basis, and the repayment liability depends on actual terms. Instant approval and disbursement are only applicable to eligible customers and may take longer processing time depending on actual circumstances of individual application.
    5. Customers can enjoy a cooling off period during 7 calendar days following the drawdown date. Once customer fully settles the outstanding principal of the loan within the cooling-off period, we'll waive the prepayment handling fee (which includes the interest payable and 2% of the outstanding principal). Customer may visit our branch to make a prepayment request.

    Terms and Conditions apply to the offers and services.
    To borrow or not to borrow? Borrow only if you can repay!