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Best Tax Loans in Hong Kong 2023

Compare tax loan plans and enjoy lower rates compared with personal loans in tax seasons! Read More
300,000 personal loan Paid over 24 months
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We found 12 Personal Loans for you!
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Citibank logo

Monthly Payment

HK$12,740

MoneySmart Exclusive
Guaranteed application reward HK$600

Citi Tax Season Loan

APR*
1.78%
Total Amount Payable
HK$305,760
Total Interest Payable
HK$5,760
Monthly Payment
HK$12,740

【Citi Tax Season Loan rewards you with rewards as high as $15,880!】
New customer who successfully apply for Citi Tax Season Loan/Citi Card Debt Consolidation Loan on or before 2 January 2024 and successfully draw down on or before 15 January 2024 would be eligible for MoneySmart exclusive gift  up to HK$7,500 Apple Store Gift Card/ PARKnSHOP supermarket vouchers!
Popular physical gift options include Dyson Purifier Big+Quiet Formaldehyde BP03 (retail value HK$7,880) / Dyson V12 Detect™ Slim Fluffy vacuum (retail value: HK$5,180) / GoPro MAX Action Camcorder (retail value: HK$4,100) / Apple Watch Series 9 (GPS) - 45mm (retail value: HK$3,399) / Bose Soundlink Revolve+ II Bluetooth Speaker (retail value: HK$2,699)



【💎From Good to Great: Earn HK$600 with Your Tax Loan Application】 From now until 31 December, apply for Citi Tax Season Loan via MoneySmart, you can earn an extra 6,000 SmartPoints regardless of approval! But that's not all - SmartPoints can be freely exchanged for cash vouchers from 20+ brands or converted into HK$400 cash! Click here to learn more.

Valid until 02 Jan 2024 - See more details below
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PrimeCredit logo

Monthly Payment

HK$12,650

MoneySmart Exclusive
Guaranteed application reward HK$600

PrimeCredit Fixed Loan (Tax Season Loan)

APR*
1.18%
Total Amount Payable
HK$303,600
Total Interest Payable
HK$3,600
Monthly Payment
HK$12,650

【 MoneySmart Exclusive Offer】
Up to HK$12,000 Cash Bonus will be rewarded for successful application via MoneySmart!

【🌟MoneySmart December Tax Loan Promotion! Whether approved or not, get 6,000 SmartPoints = $600 cash voucher OR HK$400 cash!】
From now until 31 December 2023, by successfully applying for the Prime Credit Fixed Loan (Tax Season), regardless of approval, you can enjoy an additional 6,000 SmartPoints, which can be freely exchanged for cash vouchers from 20+ brands or converted into HK$400 cash! Click here to learn more. Terms and conditions apply to this promotion.

Valid until 31 Dec 2023 - See more details below
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WeLend logo

Monthly Payment

HK$12,860

MoneySmart Exclusive
Guaranteed application reward HK$600

WeLend Personal Loan (Available for tax season)

The lowest APR
1.88%
Total Amount Payable
HK$308,640
Total Interest Payable
HK$8,640
Monthly Payment
HK$12,860

 Selected customers can receive up to HK$16,000 Cash Rebate upon successful draw down!



【💎From Good to Great: Earn HK$600 with Your Tax Loan Application】From now until 31 December, apply for WeLend Personal Loan (Available for tax season) via MoneySmart, you can earn an extra 6,000 SmartPoints regardless of approval! But that's not all - SmartPoints can be freely exchanged for cash vouchers from 20+ brands or converted into HK$400 cash! Click here to learn more.

Valid until 31 Dec 2023 - See more details below
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China CITIC Bank International logo

Monthly Payment

HK$12,846

MoneySmart Exclusive
Guaranteed application reward HK$600

CNCBI $mart Plus Tax Season Loan

APR*
1.65%
Total Amount Payable
HK$302,304
Total Interest Payable
HK$2,304
Monthly Payment
HK$12,846

【December CITIC Bank x MoneySmart Exclusive Offer 】- Get total reward up to HK$4,599!
Customers successfully apply for CNCBI $mart Plus Tax Season Loan / CNCBI $mart Plus Personal Instalment Loan - Debt Consolidate via MoneySmart and draw down the designated loan amount could enjoy up to HK$4,000 Apple Store Gift Card / PARKnSHOP Supermarket Voucher/ SHKP Malls Gift Card ! New gift options include but not limited to AirPods Max / Apple HomePod/ JBL Charge 5 Wireless Speaker/ Bose QuietComfort® 45 Headphones!



【🌟MoneySmart December Tax Loan Promotion! Whether approved or not, get 6,000 SmartPoints = $600 cash voucher OR HK$400 cash!】 From now until 31 December 2023, by successfully applying for the CNCBI $mart Plus Tax Season Loan, regardless of approval, you can enjoy an additional 6,000 SmartPoints, which can be freely exchanged for cash vouchers from 20+ brands or converted into HK$400 cash! Click here to learn more. Terms and conditions apply to this promotion.

Valid until 31 Dec 2023 - See more details below
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Standard Chartered logo

Monthly Payment

HK$13,310

MoneySmart Exclusive
Guaranteed application reward HK$600

Standard Chartered Personal Instalment Loan - Tax Season Loan

APR*
6.28%
Total Amount Payable
HK$319,440
Total Interest Payable
HK$19,440
Monthly Payment
HK$13,310

【MoneySmart Exclusive Offer 】- Get total reward up to HK$18,400!
From now on until 24 December 2023, customers successfully apply for loan via MoneySmart and draw down the designated loan amount could enjoy up to an iPhone 15 128GB(retail value $6,899) or HK$7,800 PARKnSHOP supermarket voucher or HK$7,800 Apple Store Gift Card.

Enjoy SC bank welcome offer up to HK$8,000 cash rebate + up to HK$2,000 travel coupon, total rewards up to HK$18,400! Online loan application can enter lucky draw of Japan Business Round trip AirTicket! (worth 128,000 Miles^)Total - 10 winners.

【💎From Good to Great: Earn HK$600 with Your Tax Loan Application】From now until 31 December, apply for Standard Chartered Debt Consolidation Program - Tax Season Loan via MoneySmart, you can earn an extra 6,000 SmartPoints regardless of approval! But that's not all - SmartPoints can be freely exchanged for cash vouchers from 20+ brands or converted into HK$400 cash! Click here to learn more.

Valid until 24 Dec 2023 - See more details below
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AEON Credit Service logo

Monthly Payment

HK$13,040

MoneySmart Exclusive
Guaranteed application reward HK$600

AEON Too Easy Tax Loan

APR*
4.17%
Total Amount Payable
HK$312,960
Total Interest Payable
HK$12,960
Monthly Payment
HK$13,040

Upon successful application and drawdown, AEON Tax Loan will be eligible to receive up to HK$10,000 cash rebate and Offer monthly flat rate as low as 0.14%! Apply now and enjoy the cash rebate!



【💎From Good to Great: Earn HK$600 with Your Tax Loan Application】 From now until 31 December, apply for AEON Too Easy Tax Loan via MoneySmart, you can earn an extra 6,000 SmartPoints regardless of approval! But that's not all - SmartPoints can be freely exchanged for cash vouchers from 20+ brands or converted into HK$400 cash! Click here to learn more.

Valid until 31 Dec 2023 - See more details below
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Standard Chartered logo

Monthly payment

HK$13,105

MoneySmart Exclusive
Guaranteed application reward HK$600

Standard Chartered Debt Consolidation Program - Tax Season Loan

APR*
4.67%
Total Payable Amount
HK$314,508
Total interest payable
HK$14,508
Monthly payment
HK$13,105

【MoneySmart Exclusive Offer 】- Get total reward up to HK$31,400! Get loan to enjoy a monthly flat rate as low as 0.2%^
From now on until 24 December 2023, customers successfully apply for loan via MoneySmart and draw down the designated loan amount could enjoy up to an iPhone 15 128GB(retail value $6,899) orHK$7,800 PARKnSHOP supermarket voucher or HK$7,800 Apple Store Gift Card.

Enjoy SC bank welcome offer up to HK$21,000 cash rebate and up to HK$2,000 travel coupon, total rewards up to HK$31,400! Online loan application can enter lucky draw of Japan Business Round trip AirTicket! (worth 128,000 Miles^)  Total – 10 winners



【💎From Good to Great: Earn HK$600 with Your Tax Loan Application】From now until 31 December, apply for Standard Chartered Debt Consolidation Program - Tax Season Loan via MoneySmart, you can earn an extra 6,000 SmartPoints regardless of approval! But that's not all - SmartPoints can be freely exchanged for cash vouchers from 20+ brands or converted into HK$400 cash! Click here to learn more.

Valid until 24 Dec 2023 - See more details below
Apply Now
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Grantit logo

Monthly Payment

HK$12,800

MoneySmart Exclusive
Guaranteed application reward HK$600

Grantit TU-Free Tax Loan

APR*
2.0%
Total Amount Payable
HK$307,200
Total Interest Payable
HK$7,200
Monthly Payment
HK$12,800

From now until 7 January 2024 download the Grantit App and use the promo code 【Moneysmart100】to get a $100 cash reward upon approval and signing of the loan contract in the app. Get extra HK$500 PARKnSHOP Supermarket vouchers when drawdown the loan amount HK$5,000 or above successfully within the promotion period! Total welcome rewards up to HK$600!



【💎From Good to Great: Earn HK$600 with Your Tax Loan Application】 From now until 31 December, apply for Grantit TU-Free Tax Loan via MoneySmart, you can earn an extra 6,000 SmartPoints regardless of approval! But that's not all - SmartPoints can be freely exchanged for cash vouchers from 20+ brands or converted into HK$400 cash! Click here to learn more.

Valid until 07 Jan 2024 - See more details below
Apply Now
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Promise logo

Monthly Payment

HK$12,650

MoneySmart Exclusive
Instant Approval Online◉

Promise Personal Loan (Available for Tax Season)

APR*
1.12%
Total Amount Payable
HK$303,600
Total Interest Payable
HK$3,600
Monthly Payment
HK$12,650
[Get HK$10,000 loan with HK$500 Cash Rewards] Successfully apply for Promise Loan and drawdown with the loan amount of HK$10,000, can enjoy HK$500 cash rewards▲. You can apply even without a full-time job◆
Valid until 31 Dec 2023 - See more details below
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UA Finance logo

Monthly Payment

HK$12,680

MoneySmart Exclusive
Loan amount up to 300% of tax payable

UA Seasonal Tax Loan

APR*
1.38%
Total Amount Payable
HK$304,320
Total Interest Payable
HK$4,320
Monthly Payment
HK$12,680
【Limited Offer】APR as low as 1.38%. Loan amount up to 300% of tax payable for flexible cash out during the tax season, repayment period up to 36 months!
Valid until 31 Dec 2023 - See more details below
Apply Now
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HSBC logo

Monthly payment

HK$13,580

Bank Promo

HSBC Personal Instalment Loan

APR
1.68%*
Total Amount Payable
HK$325,920
Total interest payable
HK$25,920
Monthly payment
HK$13,580
Bank Promo:
Customers who apply for a specified loan amount through MoneySmart and successfully apply during the promotion period are subject to this promotion and the relevant terms and conditions, receiving as low as 1.68% APR and up to $13,888 rewards! (Fulfilled by HSBC)
Valid until 12 Dec 2023 - See more details below
Apply Now
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Bank of China logo

Monthly Payment

HK$13,131

MoneySmart Exclusive
APR as low as 1.78%*

BOC Express Cash Instalment Loan - Tax Season Loan

APR*
1.78%
Total Amount Payable
HK$315,148.80
Total Interest Payable
HK$15,148.80
Monthly Payment
HK$13,131
【Limited Offer】Apply BOC Express Cash – Tax Season Loan via MoneySmart website, with insert reference code “AS”, can enjoy extra HK$100 Cash Rebate. Terms and Conditions applied. Including basic Cash Rebate Offer, you can enjoy up to HK$6,500 Cash Rebate in total!
Valid until 31 Dec 2023 - See more details below
Apply NowApply directly on MoneySmart
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Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Best Tax Loans in HK

Tax LoansAPR as low asFeatures
Citibank Tax Season Loan1.38%Up to 60 months Repayment period
DBS Tax Season Loan1.33%0% handling fee
PrimeCredit Fixed Loan (Tax Season Loan)2.38%Instant disbursement
Hang Seng Tax Comforter Loan 1.35%*Offers interest-free First-month Payment Holiday
ZA Bank fixed-rate tax loan 1.58%APR guaranteed at 1.58% for a successful loan drawdown of HKD 200,000 or above with a tenor of 6 – 36 months after using the loan discount coupon.

What is Tax Loan?

Tax loan is type of loan offered during tax season to help applicants cover their tax bills. Check out this guide on how to pay tax and compare tax loans for more information.

Why should I apply for tax loans?

1. Tax loan programmes are launched in October and November every year by major banks. To attract customers, it usually comes with a very low rate and cash rebate.

2. The APR of tax loans can be as low <2%. The higher the loan amount, the lower the rate.

3. The loan amount is very high - between HK$2M-4M. It can be used not only for tax payment but also for your other plans in life.

4. The repayment period is shorter than personal loan, but it is between 6-24 months

Why do we need tax loans?

Paying tax

During the tax season, Hong Kong banks and private financial lenders provide tax loans in a lower interest rate with longer repayment, some of them even extend to 48 months. So that you are able to manage cash flow with higher flexibility.

Simpler and more flexible loan application

Lower interest rates, simpler application and fewer limitations are highlights. As long as you’re age 18+ and earning HK$60,000+/year or HK$5,000+/month, you’re welcomed to apply for tax loans. Bring a copy of your latest tax slip and you’re good to go!

How to pick the best tax loan?

Interest rate is not the ONLY factor for comparing tax loans

Comparing loan plans are not only about interest rates but the total costs of your loan, such as the total amount, repayment period, and handling fee. So, Annual Percentage Rate (APR) expressed as a percentage of the actual yearly cost of a loan over the term. It is the best indicator when doing the comparison of different loan plans.

Are Tax loans only for tax payment?

Tax loans are not only for tax payment. It can be used for funds for your other plans, such as a home renovation, marriage, further education or additional cash flow.

Tips for Getting Tax Loans and Comparing Tax Loans

Tip #1

Annual Percentage Rate (APR) is the key to compare loans

The calculation of APR includes all the interests, admin fees and handling fees of a tax loan. That’s why APR is the best way to compare the actual expenses of tax loans.

Tip #2

Different loan promotions launch in tax seasons

Banks and private lenders usually launch tax loan offers from October to April of the next year. Out of all loan promotions, cash rebate is the most common one – the more you borrow, the more rebates you can get.

Tip #3

Be aware of the terms and conditions in loans

Some tax loans may look attractive with an extremely low interest rate. But everything come at a price — the banks will ask you to set up an account and make a huge deposit first; or they’ll set a bottom limit to your borrowing amount, then you’ll have to borrow a loan of $1,000,000+ to get the lowest interest rate.

How can I apply for Tax Loan? Can I apply online?

You can apply for a tax loan through bank branches, websites or mobile apps. You may be required to submit a copy of your tax return when applying for a tax loan. It is important to "shop around" comparing relevant information and terms provided by different banks before applying. You can have a quick overview of all the major tax loan programmes available on MoneySmart before you make your decision.
You can also apply for tax loan online via MoneySmart online. Successful applicants to certain tax loan products such as Citi Tax Loan can even earn extra cash vouchers.

Frequently Asked Questions

Am I qualified for tax loan applications?

If you’re 18+ and earning HK$60,000+/year or HK$5,000+/month, simply bring a copy of your latest tax slip, you’re qualified.

Where can I get a tax loan?

Banks and financial lenders usually launch tax loan offers from October to April of the next year.

How much can I borrow from a tax loan?

It depends on your salary. Banks and financial lenders can borrow you a tax loan at maximum 8x to 12x of your monthly salary.

How long can my tax loan repayment period be?

Normally it’s 6 to 24 months for tax loans. Banks and financial lenders will set you a fixed repayment amount. The longer the repayment period, the lower the monthly repayment amount, and the higher the interest rate.

Do tax loans have any extra handling fee?

Some banks not only calculate interest with monthly flat rate, but they also charge you a handling fee, which is usually 1% of your loan amount.

What are the interest rates of tax loans?

The annualised percentage rate of tax loans is between 2% to 11%, depending on your loan amount and repayment period.

What do I need to prepare for my tax loan application?

You’ll need these are the documents for your tax loan:
  • Photocopy of your HKID card (both sides);
  • If you’re an employee, you’ll need your salary proof or your bank statement for the last 3 months and the latest tax slip.
  • If you’re self-employed, you’ll need your full set of latest Profits Tax Demand Note for the last 2 years and your bank statement for the last 6 months.