Best Tax Loans in Hong Kong 2023

Compare tax loan plans and enjoy lower rates compared with personal loans in tax seasons! Read More
100,000 personal loan Paid over 12 Months
HK$
We found 17 Personal Loans for you!
Citibank 花旗銀行 logo

Monthly Payment

HK$8,395

Monthly Payment
MoneySmart Exclusive
APR*
1.78%
Total Amount Payable
HK$100,744
Total Interest Payable
HK$744
Monthly Payment
HK$8,395

【A total of $17,699 rewardsNew customers who successfully apply and draw down the Citi Tax Loan can get an iPhone 14 Plus, 128 GB /PHILIPS ADD6920BK RO Water Dispenser/Marshall Woburn II BT Wireless Speaker/ AirPods (3rd generation)/**up to HK$7,500 Supermarket Voucher/HK$7,500 Apple Gift Card !!!

Valid until 31 Jan 2023 - See more details below
Promotion ends in
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BEA 東亞銀行 logo

Monthly Payment

HK$8,633

Monthly Payment
Bank Promo
APR as low as 2.04%*
APR*
6.78%
Total Amount Payable
HK$103,600
Total Interest Payable
HK$3,600
Monthly Payment
HK$8,633
Bank Promo:
During the promotion period, applicants who successfully apply for BEA Tax Season Loan, can earn up to a HK$5,000 cash rebate!
Valid until 31 Jan 2023 - See more details below
Apply Now
UA 亞洲聯合財務 logo

Monthly Payment

HK$8,393

Monthly Payment
MoneySmart Exclusive
Loan amount up to 300% of tax payable
APR*
1.38%
Total Amount Payable
HK$100,720
Total Interest Payable
HK$720
Monthly Payment
HK$8,393
【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 Jan 2023 - See more details below
Promotion ends in
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WeLend logo

Monthly Payment

HK$8,513

Monthly Payment
MoneySmart Exclusive
Income proof free for designated loan amount
The lowest APR
1.88%
Total Amount Payable
HK$102,160
Total Interest Payable
HK$2,160
Monthly Payment
HK$8,513
 Selected customers can receive up to HK$16,000 Cash Rebate upon successful draw down! 
Valid until 05 Feb 2023 - See more details below
Apply Now
 安信信貸 logo

Monthly Payment

HK$8,383

Monthly Payment
MoneySmart Exclusive
APR*
1.18%
Total Amount Payable
HK$100,600
Total Interest Payable
HK$600
Monthly Payment
HK$8,383
 【MoneySmart Exclusive Offer】Up to HK$12,000 Cash Bonus will be rewarded for successful application! 
Valid until 28 Feb 2023 - See more details below
Apply Now
SCB 渣打銀行 logo

Monthly Payment

HK$8,643

Monthly Payment
MoneySmart Exclusive
APR as low as 1.65%
實際年利率*
7.01%
Total Amount Payable
HK$103,720
Total Interest Payable
HK$3,720
Monthly Payment
HK$8,643

【MoneySmart Exclusive Offer 】- Get total reward up to HK$14,499!
From 1 January 2023 until 31 January 2023, customers  successfully apply for loan via MoneySmart and draw down the designated loan amount could enjoy up to HK$6,000 Harbour City e-Cash voucher or Supermarket Voucher or iPad Pro (retail value: HK$6,499) ; Enjoy welcome offer up to HK$8,000 cash rebate, total rewards up to HK$14,499!

Valid until 31 Jan 2023 - See more details below
Apply Now
BOC 中國銀行 logo

Monthly Payment

HK$8,533

Monthly Payment
MoneySmart Exclusive
APR as low as 1.68%*
APR*
4.49%
Total Amount Payable
HK$102,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,533
【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 the “e-Lai See” Cash Rebate Offer, you can enjoy up to HK$2,900 Cash Rebate in total!
Valid until 31 Mar 2023 - See more details below
Apply Now
DBS 星展銀行 logo

Monthly Payment

HK$8,453

Monthly Payment
MoneySmart Exclusive
Instalment period up to 84 months
APR*
6.61%
Total Amount Payable
HK$101,440
Total Interest Payable
HK$1,440
Monthly Payment
HK$8,453

New customers who successfully apply and drawdown DBS Debt Consolidation Loan via MoneySmart can get up to HK$13,800 rewards + Extra up to HK$7,200 Supermarket Cash Voucher/Apple Gift Card! Get up to a total HK$21,000 reward!

Valid until 31 Jan 2023 - See more details below
Apply Now
中信銀行(國際) logo

Monthly Payment

HK$8,396

Monthly Payment
MoneySmart Exclusive
0% Handling Fee APR as low as 1.39%
APR*
1.39%
Total Amount Payable
HK$100,750
Total Interest Payable
HK$750
Monthly Payment
HK$8,396

【MoneySmart Exclusive Offer 】- Get total reward up to HK$4,000!
Customers successfully apply for loan via MoneySmart and draw down the designated loan amount could enjoy up to HK$4,000 Supermarket Voucher / HK$4,000 Apple Gift Card /  SAMSUNG Galaxy Tab S7 FE Tablet
(retail price: HK$3,998) !

Valid until 31 Jan 2023 - See more details below
Apply Now
恒生銀行 logo

Monthly Payment

HK$8,573

Monthly Payment
APR*
5.4%
Total Amount Payable
HK$102,880
Total Interest Payable
HK$2,880
Monthly Payment
HK$8,573
Apply Now
WeLab logo

Monthly Payment

HK$8,413

Monthly Payment
MoneySmart Exclusive
APR*
1.68%
Total Amount Payable
HK$100,960
Total Interest Payable
HK$960
Monthly Payment
HK$8,413

【MoneySmart Time-limited Exclusive Offer - All applications are entitled extra $300 supermarket vouchers! 】Up to HK$19,188 rewards upon successful application and drawdown of WeLab Bank Debt Consolidation Loan via MoneySmart!

From now until 31 January 2023, customers enter referral code "NLSMRT" to successfully apply for loan and draw down the loan could win you up to HK$18,888 rewards (Including HK$13,888 draw down cash rebate from WeLab Bank and HK$5,000 Apple gift card/ HK$5,000 supermarket vouchers / HK$5,000 Klook vouchers!

From now on until 19 January 2023, all applications approved or not approved would offer extra $300 supermarket vouchers, total rewards is as high as HK$19,188!



*Upon your submission of the gift redemption form, you acknowledge and agree the information entered in this form may be shared to business partners for validation and that business partners may share their results back to us for fulfilment purposes in accordance with our “Privacy Policy

Valid until 31 Jan 2023 - See more details below
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DBS 星展銀行 logo

Monthly Payment

HK$8,473

Monthly Payment
MoneySmart Exclusive
1-minute approval and same day disbursement
APR*
7.08%
Total Amount Payable
HK$101,680
Total Interest Payable
HK$1,680
Monthly Payment
HK$8,473

New customers who successfully apply and drawdown DBS Tax Season Loan via MoneySmart can get up to HK$8,000 rewards + Extra up to HK$10,000 Supermarket Cash Voucher/Apple Gift Card! Get up to a total HK$18,000 reward!

Valid until 31 Jan 2023 - See more details below
Apply Now
AEON信貸財務(亞洲) logo

Monthly Payment

HK$8,473

Monthly Payment
Bank Promo
APR*
3.12%
Total Amount Payable
HK$101,680
Total Interest Payable
HK$1,680
Monthly Payment
HK$8,473
Bank Promo:
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!
Valid until 28 Feb 2023 - See more details below
Apply Now
UA 亞洲聯合財務 logo

Monthly Payment

HK$8,603

Monthly Payment
MoneySmart Exclusive
No documents required
APR*
1.68%
Total Amount Payable
HK$103,240
Total Interest Payable
HK$3,240
Monthly Payment
HK$8,603
【UA Empower You To Fight Another Day】Offer: New & existing customers draw down on the designated amount via MoneySmart, enjoy a Cash Reward of up to HK$18,000 upon successful loan application, and drawdown on the designated amount!
See more details of the limited-time offer below.
Valid until 31 Mar 2023 - See more details below
Apply Now
SCB 渣打銀行 logo

Monthly Payment

HK$8,754

Monthly Payment
MoneySmart Exclusive
Up to HK$8,000 cash rebate for online application
APR*
9.6%
Total Amount Payable
HK$105,052
Total Interest Payable
HK$5,052
Monthly Payment
HK$8,754

【MoneySmart Exclusive Offer 】- Get total reward up to HK$14,499!
From 1 January 2023 until 31 January 2023, customers  successfully apply for loan via MoneySmart and draw down the designated loan amount could enjoy up to HK$6,000 Harbour City e-Cash voucher or Supermarket Voucher or iPad Pro (retail value: HK$6,499) ; Enjoy welcome offer up to HK$8,000 cash rebate, total rewards up to HK$14,499!

Valid until 31 Jan 2023 - See more details below
Apply Now
Grantit logo

Monthly Payment

HK$8,433

Monthly Payment
MoneySmart Exclusive
Non-TU
APR*
2.0%
Total Amount Payable
HK$101,200
Total Interest Payable
HK$1,200
Monthly Payment
HK$8,433

【Welcome offer Exclusive for MoneySmart Users】From now until 31 January 2023, 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 $500 supermarket vouchers when drawdown the loan amount HK$5,000 or above successfully within the promotion period! Total rewards up to $600!

Valid until 31 Jan 2023 - See more details below
Apply Now
邦民日本財務 logo

Monthly Payment

HK$8,383

Monthly Payment
MoneySmart Exclusive
Instant Approval Online◉
APR*
1.12%
Total Amount Payable
HK$100,600
Total Interest Payable
HK$600
Monthly Payment
HK$8,383
Welcome Offer worth up to HK$10,000! New customers who withdraw their loans before 31 March 2023, will receive a cash reward of up to HK$10,000▲. Welcome Hong Kong non-permanent residents with 3 months and above working visa validity ※ 
Valid until 31 Mar 2023 - See more details below
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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.