BOC Express Cash Instalment Loan Balance Transfer

Updated September 2019
$205,619Total Amount Payable
$3,619Total Interest Payable

Key features
Key Features
  • Loan amount up to HKD 2,000,000 or 21 times of the monthly salary (whichever is lower)
  • e-Channel Application Offer – up to HK$3000 cash rebate
  • APR as low as 4.82% (the APR excluding cash rebate is 5.29 %)
  • Repayment period up to 72 months
  • Lowest salary requirement: Annual salary is HK$72,000 or above
  • Promotion period: From now till 31 October 2019
Repayment Summary

Principal Loan Amount


Total Interest Payable


Handling Fee


Total Amount Payable


Annual Percentage Rate


Monthly Payment


Repayment Period

12 months

Terms and Conditions
Fee & Charges

Handling Fee


Late Payment Fee

HK$500 per overdue payment

Early Settlement Fee

Upon early settlement of the Loan, outstanding interest and principal shall be calculated on the basis of “Rule of 78”. The Borrower shall also pay an early settlement penalty which is 2% of the approved Loan Amount of Instalment Loan

Age Requirement

18 years old or above

Residency Status

Hong Kong resident

Employment Status

Employed in Hong Kong and monthly salary not less than HK$6,000

The APR includes the basic interest rate, as well as any other fees and charges (i.e.: Handling Fee) so that it reflects the actual total cost of borrowing. The actual APR applicable may differ, please check with the provider to confirm your final APR based on your loan.

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Monthly Payment