Tax Loan

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Offers

The promotion period runs until 30 Apr 2025.

APR as low as 1.38%Learn More

Up to HKD11,800 Cash RebateLearn More

Early Bird $0 Interest Lucky DrawLearn More

Interest Rate Table^Δ

Selected Customers
Loan Amount (HKD)	Monthly Flat Rate	6 months loan tenor			12 months loan tenor
		APR⁺ (Calculated based on designated loan amount)		Monthly Repayment Amount^* (HKD) (Calculated based on a HKD10,000 loan amount)	APR⁺ (Calculated based on designated loan amount)		Monthly Repayment Amount^* (HKD) (Calculated based on a HKD10,000 loan amount)
		Including Cash Rebate	Excluding Cash Rebate		Including Cash Rebate	Excluding Cash Rebate
1,990,000 or above	0.1115%	Not Applicable	2.31%	1,678	1.38%	2.49%	844
1,000,000 - 1,989,999	0.1515%		3.16%	1,682	3.01%	3.39%	848
500,000 - 999,999	0.1915%		4.00%	1,686	4.04%	4.30%	852
100,000 - 499,999	0.2315%		4.85%	1,690	4.89%	5.21%	856
10,000 - 99,999	0.2715%		5.71%	1,694	5.79%	6.14%	860

Other Customers
Loan Amount (HKD)	Monthly Flat Rate	6 months loan tenor			12 months loan tenor
		APR⁺ (Calculated based on designated loan amount)		Monthly Repayment Amount^* (HKD) (Calculated based on a HKD10,000 loan amount)	APR⁺ (Calculated based on designated loan amount)		Monthly Repayment Amount^* (HKD) (Calculated based on a HKD10,000 loan amount)
		Including Cash Rebate	Excluding Cash Rebate		Including Cash Rebate	Excluding Cash Rebate
1,990,000 or above	0.1415%	Not Applicable	2.94%	1,681	2.05%	3.16%	847
1,000,000 - 1,989,999	0.1815%		3.79%	1,685	3.69%	4.07%	851
500,000 - 999,999	0.2215%		4.64%	1,689	4.72%	4.98%	855
100,000 - 499,999	0.2615%		5.50%	1,693	5.58%	5.90%	859
10,000 - 99,999	0.3015%		6.33%	1,697	6.46%	6.81%	863

^Δ The interest rates (including APRs and the monthly flat rates) listed in the Interest Rate Table are applicable to designated loan amounts, and are for reference only. The final approved interest rate is subject to the Bank's assessment and confirmation.
+An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate.^*The monthly repayment amount is calculated based on HKD10,000 loan amount.

Up to HKD11,800 Cash Rebate^#

Customers who fulfill all criteria as listed below are entitled to the relevant Cash Rebate Reward according to the amount of the loan approved:

(a) successfully drawdown the loan with loan tenor of 12 months or above on or before 31 May 2025; and
(b) maintain or successfully apply for Dah Sing VIP Banking Visa Infinite Card or Dah Sing ONE+ Credit Card during the Promotion Period. For more details on the Dah Sing VIP Banking Visa Infinite Card please click here, for Dah Sing ONE+ Credit Card please click here; and
(c) maintain or successfully open a HKD Dah Sing Current Account or Savings Account during the Promotion Period^{^}

Approved Loan Amount (HKD)	Cash Rebate Reward
10,000 - 99,999	HKD100
100,000 - 499,999	HKD500
500,000 - 999,999	HKD1,000
1,000,000 – 1,989,999	HKD3,000
1,990,000 or above	HKD11,800

^#To enjoy the Cash Rebate Reward, the Eligible Customers' loan account, its repayment account, Relevant Dah Sing VIP Banking Visa Infinite Card or Dah Sing ONE+ Credit Card and relevant HKD Dah Sing Current Account or Savings Account must remain normal, valid and with good repayment records from the loan disbursement date to the date when the Bank credits the cash rebate. For details, please refer to Clauses (12) and (13) of the relevant terms and conditions.

^{^}FlexiMoney Overdraft Facility accounts, joint name accounts, non-HKD accounts, Time Deposit and Margin Trading Settlement accounts are not eligible.

Features

APR as low as 1.38%

Features Details

Loan Amount up to HKD2,000,000 or 14 Times Your Monthly Income (whichever is lower)

Features Details

Repayment Tenor up to 24 Months

Features Details

Accepting tax bills of this year (2023/24) or last year (2022/23) for loan application

Features Details

Applicable APR ranges from 1.38% - 36.00%, with a repayment tenor ranging from 6 - 24 months.

For example: Assuming that the approved loan amount is HKD1,990,000, with a 12-month loan tenor and 0.1115% as monthly flat rate, the APR including HKD11,800 cash rebate is 1.38%, the total interest is HKD26,624 and your total repayment amount is HKD2,016,624.

APR is calculated according to the guidelines issued in respect of the Code of Banking Practice and is rounded to the nearest two decimal places and may vary for individual customers. Customers should refer to the loan confirmation letter for the relevant information. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate.

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Eligibility

You must be aged 18 or above

You must be employed in Hong Kong

You must be a Hong Kong resident

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*If you do not provide the required information (including but not limited to Your Name) in the WhatsApp appointment, our bank staff cannot proceed to contact you to follow-up your enquiry and no separate notice will be issued.

Depending on actual data transmission speeds, the whole online application process (including approval) may take approximately 15 minutes.

To borrow or not to borrow? Borrow only if you can repay!

The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU.

Subject to relevant terms and conditions. For details, please click here.

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