Tax Season Loan

Latest offer

Annualised Percentage Rate as low as 1.78%[2]and 0% handling fee

Up to HKD6,000 cash rebate for online or mobile application[3]

Loan amount up to HKD3,000,000 or 12 times of your monthly salary (whichever is lower)[4] and repayment period up to 60 months[5]

No document is required for payroll customers[6]

Loan rate and monthly repayment amount

Edit your loan plan

Answer simple questions below and get your loan plan

Your loan plan Result
As of HKT
Monthly repayment amount
HKD -
Monthly flat rate
- %
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 -
Your loan plan
  • All Annualised Percentage Rates 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).
  • The calculation of the monthly repayment amount and the Annualised Percentage Rate has taken the 0% handling fee into account and does not include Cash Rebate. The monthly repayment amount is rounded up to 1 decimal point. The proportion of loan principal to interest in each monthly instalment amount is calculated according to the Rule of 78.
  • If customer’s loan application cannot meet our approval requirements, Hang Seng Bank Limited (“Hang Seng”) may approve a loan to individual customers on a case-by-case basis but the interest rate offered may be adjusted. For details, please contact Hang Seng’s staff. Customers will be notified of the relevant adjusted interest rate upon loan approval.
  • The Annualised Percentage Rate listed above does not include any fees and charges. The Annualised Percentage Rate ranges from 1.66% to 36.00%, with repayment period of 6 to 60 months. The loan application is subject to our approval.
  • For a loan amount of HKD100,000 with 12 months repayment period, the monthly flat rate applicable to Private Banking, Prestige Private or Prestige Banking customers is 0.25% (APR 5.63%), and the total loan repayment amount is HKD103,000.80 (0% handling fee); while the monthly flat rate applicable to other customers is 0.26% (APR 5.86%), and the total loan repayment amount is HKD103,102.80 (0% handling fee). The above examples are for reference only.
Loan amount (HKD) Maximum cash rebate (HKD) [3] Cash Rebate for Limited Time Offer (HKD) [3]   Monthly flat rate    Monthly repayment amount (HKD) - Based on every HKD10,000 loan amount (APR)
36
months or above
24
months or above
6-12
months
18-24
months
24
months above
6 months 9 months 12 months 18 months 24 months 30 months 36 months 42 months 48 months 54 months 60 months
$5,000 - $49,999 - 0.40% 0.40% 0.39% $1,706.70 $1,151.20 $873.40 $595.60 $456.70 $372.40 $316.80 $277.10 $247.40 $224.20 $205.70
8.50% 8.90% 9.10% 9.28% 9.34% 9.11% 9.10% 9.07% 9.03% 8.99% 8.95%
$50,000 -
$99,999
$200 - 0.35% 0.35% 0.34% $1,701.70 $1,146.20 $868.40 $590.60 $451.70 $367.40 $311.80 $272.10 $242.40 $219.20 $200.70
7.40% 7.76% 7.94% 8.10% 8.16% 7.94% 7.93% 7.91% 7.89% 7.86% 7.83%
$100,000 -
$199,999
$400 $500 0.25% 0.25% 0.24% $1,691.70 $1,136.20 $858.40 $580.60 $441.70 $357.40 $301.80 $262.10 $232.40 $209.20 $190.70
5.25% 5.50% 5.63% 5.76% 5.81% 5.59% 5.60% 5.60% 5.59% 5.58% 5.56%
$200,000-
$299,999
$600 0.23% 0.23% 0.22% $1,689.70 $1,134.20 $856.40 $578.60 $439.70 $355.40 $299.80 $260.10 $230.40 $207.20 $188.70
4.82% 5.05% 5.18% 5.29% 5.34% 5.13% 5.13% 5.13% 5.13% 5.12% 5.11%
$300,000-
$499,999
$1,000 0.22% 0.22% 0.21% $1688.70 $1133.2 $855.40 $577.60 $438.70 $354.40 $298.80 $259.10 $229.40 $206.20 $187.70
4.61% 4.83% 4.95% 5.06% 5.11% 4.89% 4.90% 4.90% 4.89% 4.89% 4.88%
$500,000 -
$999,999
$1,500 0.20% 0.20% 0.19% $1,686.70 $1,131.20 $853.40 $575.60 $436.70 $352.40 $296.80 $257.10 $227.40 $204.20 $185.70
4.18% 4.39% 4.49% 4.59% 4.64% 4.42% 4.43% 4.43% 4.43% 4.43% 4.42%
$1,000,000 -
$1,499,999
$2,000 0.18% 0.18% 0.17% $1,684.70 $1,129.20 $851.40 $573.60 $434.70 $350.40 $294.80 $255.10 $225.40 $202.20 $183.70
3.76% 3.94% 4.04% 4.13% 4.17% 3.96% 3.97% 3.97% 3.97% 3.96% 3.96%
$1,500,000 or above $6,000 0.08% 0.16% 0.15% $1,674.70 $1,119.20 $841.40 $571.60 $432.70 $348.40 $292.80 $253.10 $223.40 $200.20 $181.70
1.66% 1.74% 1.78% 3.67% 3.71% 3.49% 3.50% 3.50% 3.50% 3.50% 3.50%
  • All Annualised Percentage Rates 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).
  • The calculation of the monthly repayment amount and the Annualised Percentage Rate has taken the 0% handling fee into account and does not include Cash Rebate. The monthly repayment amount is rounded up to 1 decimal point. The proportion of loan principal to interest in each monthly instalment amount is calculated according to the Rule of 78.
  • If customer’s loan application cannot meet our approval requirements, Hang Seng Bank Limited (“Hang Seng”) may approve a loan to individual customers on a case-by-case basis but the interest rate offered may be adjusted. For details, please contact Hang Seng’s staff. Customers will be notified of the relevant adjusted interest rate upon loan approval.
Title
Loan amount (HKD) Maximum cash rebate (HKD) [3] Cash Rebate for Limited Time Offer (HKD) [3]   Monthly flat rate    Monthly repayment amount (HKD) - Based on every HKD10,000 loan amount (APR)
36
months or above
24
months or above
6-12
months
18-24
months
24
months above
6 months 9 months 12 months 18 months 24 months 30 months 36 months 42 months 48 months 54 months 60 months
$5,000 - $49,999 - 0.42% 0.42% 0.41% $1,708.70 $1,153.20 $875.40 $597.60 $458.70 $374.40 $318.80 $279.10 $249.40 $226.20 $207.70
8.94% 9.36% 9.57% 9.75% 9.81% 9.58% 9.56% 9.53% 9.49% 9.45% 9.40%
$50,000 -
$99,999
$200 - 0.37% 0.37% 0.36% $1,703.70 $1,148.20 $870.40 $592.60 $453.70 $369.40 $313.80 $274.10 $244.40 $221.20 $202.70
7.84% 8.22% 8.40% 8.57% 8.63% 8.41% 8.40% 8.38% 8.35% 8.31% 8.28%
$100,000 -
$199,999
$400 $500 0.26% 0.26% 0.25% $1,692.70 $1,137.20 $859.40 $581.60 $442.70 $358.40 $302.80 $263.10 $233.40 $210.20 $191.70
5.46% 5.73% 5.86% 5.99% 6.04% 5.83% 5.83% 5.83% 5.82% 5.81% 5.79%
$200,000-
$299,999
$600 0.24% 0.24% 0.23% $1,690.70 $1,135.20 $857.40 $579.60 $440.70 $356.40 $300.80 $261.10 $231.40 $208.20 $189.70
5.03% 5.28% 5.40% 5.52% 5.57% 5.36% 5.37% 5.36% 5.36% 5.35% 5.33%
$300,000-
$499,999
$1,000 0.23% 0.23% 0.22% $1,689.70 $1,134.20 $856.40 $578.60 $439.70 $355.40 $299.80 $260.10 $230.40 $207.20 $188.70
4.82% 5.05% 5.18% 5.29% 5.34% 5.13% 5.13% 5.13% 5.13% 5.12% 5.11%
$500,000 -
$999,999
$1,500 0.21% 0.21% 0.20% $1,687.70 $1,132.20 $854.40 $576.60 $437.70 $353.40 $297.80 $258.10 $228.40 $205.20 $186.70
4.39% 4.61% 4.72% 4.83% 4.87% 4.66% 4.67% 4.67% 4.66% 4.66% 4.65%
$1,000,000 -
$1,499,999
$2,000 0.19% 0.19% 0.18% $1,685.70 $1,130.20 $852.40 $574.60 $435.70 $351.40 $295.80 $256.10 $226.40 $203.20 $184.70
3.97% 4.16% 4.26% 4.36% 4.40% 4.19% 4.20% 4.20% 4.20% 4.20% 4.19%
$1,500,000 or above $6,000 0.17% 0.17% 0.16% $1,683.70 $1,128.20 $850.40 $572.60 $433.70 $349.40 $293.80 $254.10 $224.40 $201.20 $182.70
3.55% 3.72% 3.81% 3.90% 3.94% 3.72% 3.73% 3.74% 3.74% 3.73% 3.73%
  • All Annualised Percentage Rates 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).
  • The calculation of the monthly repayment amount and the Annualised Percentage Rate has taken the 0% handling fee into account and does not include Cash Rebate. The monthly repayment amount is rounded up to 1 decimal point. The proportion of loan principal to interest in each monthly instalment amount is calculated according to the Rule of 78.
  • If customer’s loan application cannot meet our approval requirements, Hang Seng Bank Limited (“Hang Seng”) may approve a loan to individual customers on a case-by-case basis but the interest rate offered may be adjusted. For details, please contact Hang Seng’s staff. Customers will be notified of the relevant adjusted interest rate upon loan approval. 

Footnote

Remark(s)

  1. 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”).
  2. For a loan amount of HKD1,500,000 or above, the Annualised Percentage Rate of 1.78% is calculated based on a monthly flat rate of 0.08% and a 12-month repayment period, including 0% handling fee. 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).
  3. For the cash rebate offers and other terms and conditions, please read the “Tax Comforter Loan Promotion Terms and Conditions” for details.
  4. 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.
  5. Customers can choose for a 6, 9, 12, 18, 24, 30, 36, 42, 48, 54 or 60 months repayment period. If Tax Payment is the only loan purpose, maximum tenor is 18 months.
  6. Hang Seng reserves the right to request additional documents from individual applicants on a case-by-case basis.
  7. Minimum loan amount is HKD5,000.
  8. The final approved loan proceeds will be credited into your designated Hang Seng Bank account directly and without further notice under the following circumstances: (i) if the final approved loan amount, repayment period and interest rate (collectively, the “loan terms”) are the same as those indicated in your application via any of the available application channels (the applicable interest rate is based on the customer type and the requested loan amount set out in the respective interest rate table); or (ii) if the final approved loan terms are the same as your selected/accepted proposal under the preliminary approval result during your online application via our Personal e-Banking or Personal Banking Mobile App. Otherwise, Hang Seng will contact you for follow-up discussion. 
    You will receive SMS notification from Hang Seng on the day of loan drawdown and you may also refer to the drawdown letter for details of the loan. 
  9. 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.
  10. 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 (852) 2997 3882.
  11. For the frequently asked questions relating to Tax Season Loan (e.g. Important notes of early repayment; the basis of apportionment of principal and interest in the monthly repayment, etc), please refer to Loans Services FAQs.

 

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