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Best Tax Loans in Hong Kong 2024

Compare tax loan plans and enjoy lower rates compared with personal loans in tax seasons! Read More
200,000 personal loan Paid over 24 months
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We found 11 Personal Loans for you!
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PrimeCredit Fixed Loan (Tax Season Loan)

Monthly Payment

HK$8,433

MoneySmart Exclusive

PrimeCredit Fixed Loan (Tax Season Loan)

APR*
1.18%
Total Amount Payable
HK$202,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,433

 Selected customers can receive up to HK$12,000 Cash Rebate upon successful draw down!

【Last Chance! Apply for Personal Loan at the Beginning of the Year of Loong! 🐲】Earn with Your Personal Loan Application.
From now until 30 April, apply for designated loans from Prime Credit via MoneySmart, you can earn the application bonus of HK$800 vouchers (given out as 5,000 SmartPoints) regardless of approval! if the final status of application is cancelled, the customer would not be eligible to the rewards of this promotion. But that's not all - SmartPoints can be freely exchanged for cash vouchers from 20+ brands! Click here to learn more.

Valid until 30 Apr 2024 - See more details below
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Citi Tax Season Loan

Monthly Payment

HK$8,493

MoneySmart Exclusive
Guaranteed application reward 8,000 SmartPoints

Citi Tax Season Loan

APR*
1.78%
Total Amount Payable
HK$203,840
Total Interest Payable
HK$3,840
Monthly Payment
HK$8,493

【Citi 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 30 April 2024 and successfully draw down on or before 31 May 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) / Apple iPad Pro 11-inch (128GB) (retail value:HK$6,499)／ B&O Beoplay HX Gold Tone Earbuds (retail value: HK$4,998) / Dyson Solarcycle Morph Desk Light (retail value: HK$4,980) / GoPro HERO 11 Black Creator Edition (retail value: HK$4,400) / JBL Link 20 Voice-activated portable speaker (retail value: HK$1,699)



【Last Chance! Apply for Loan at the Beginning of the Year of Loong! 🐲】Earn with Your Personal Loan Application. From now until 30 April, apply for Citibank Tax Season Loan via MoneySmart, you can earn the application bonus of HK$800 vouchers (given out as 8,000 SmartPoints) regardless of approval! But that's not all - SmartPoints can be freely exchanged for cash vouchers from 20+ brands or converted into HK$533 cash! Click here to learn more.

Valid until 30 Apr 2024 - See more details below
Apply Now
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DBS Personal Instalment Loan

Monthly Payment

HK$8,673

MoneySmart Exclusive
Instant cash out single-handedly

DBS Personal Instalment Loan

APR as low as*
2.2%
Total Amount Payable
HK$208,160
Total Interest Payable
HK$8,160
Monthly Payment
HK$8,673

New customers who successfully apply and drawdown DBS Personal Instalment Loan via MoneySmart can get up to HK$8,000 rewards + Extra up to HK$10,000 PARKnSHOP Supermarket Voucher/ Apple Store Gift Card! Get up to a total HK$18,000 reward! APR is as low as 2.2%!



【Last Chance! Apply for a Loan at the Year of Loong! 🐲】Earn with Your Loan Application.
From now until 30 April, apply for DBS Personal Instalment Loan via MoneySmart with the required documents submitted, you can earn the application bonus of HK$800 vouchers (given out as 8,000 SmartPoints) regardless of approval! But that's not all - SmartPoints can be freely exchanged for cash vouchers from 20+ brands or converted into HK$533 cash! Click here to learn more.

Valid until 30 Apr 2024 - See more details below
Apply Now
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Standard Chartered Personal Instalment Loan - Tax Season Loan

Monthly Payment

HK$8,873

MoneySmart Exclusive
Guaranteed application reward HK$800

Standard Chartered Personal Instalment Loan - Tax Season Loan

APR*
6.28%
Total Amount Payable
HK$212,960
Total Interest Payable
HK$12,960
Monthly Payment
HK$8,873

【MoneySmart Exclusive Offer 】- Get total reward up to HK$16,450! From now on until 30 April 2024, customers successfully apply for loan via MoneySmart and draw down the designated loan amount could enjoy up to SAMSUNG Galaxy S24 Ultra (S9280) - 256GB  (value: $8,450) 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, total rewards up to HK$16,450! Online loan application can enter lucky draw of 2 Europe Business Round trip AirTickets! (worth 336,000 Miles^)Total - 6 winners!



【Last Chance! Apply for Personal Loan at the Beginning of the Year of Loong! 🐲】Earn with Your Personal Loan Application.

From now until 30 April, apply for Standard Chartered Personal Instalment Loan - Tax Season Loan via MoneySmart, you can earn the application bonus of HK$800 vouchers (given out as 8,000 SmartPoints) regardless of approval! But that's not all - SmartPoints can be freely exchanged for cash vouchers from 20+ brands or converted into HK$533 cash! Click here to learn more.

Valid until 30 Apr 2024 - See more details below
Apply Now
More Details
WeLend Personal Loan (Available for tax season)

Monthly Payment

HK$8,573

MoneySmart Exclusive
Guaranteed application reward 8,000 SmartPoints

WeLend Personal Loan (Available for tax season)

The lowest APR
1.88%
Total Amount Payable
HK$205,760
Total Interest Payable
HK$5,760
Monthly Payment
HK$8,573

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

【Last Chance! Apply for Personal Loan at the Beginning of the Year of Loong! 🐲】Earn with Your Personal Loan Application.
From now until 30 April, apply for designated loans from Welend via MoneySmart, you can earn the application bonus of HK$1,000 vouchers (given out as 10,000 SmartPoints) regardless of approval! But that's not all - SmartPoints can be freely exchanged for cash vouchers from 20+ brands or converted into HK$666cash! Click here to learn more.

Valid until 30 Apr 2024 - See more details below
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Standard Chartered Debt Consolidation Program - Tax Season Loan

Monthly payment

HK$8,736

MoneySmart Exclusive
Guaranteed application reward HK$800

Standard Chartered Debt Consolidation Program - Tax Season Loan

APR*
4.67%
Total Payable Amount
HK$209,672
Total interest payable
HK$9,672
Monthly payment
HK$8,736

【MoneySmart Exclusive Offer 】- Get total reward up to HK$29,450! Get loan to enjoy a monthly flat rate as low as 0.2%^
From now on until 30 April 2024, customers successfully apply for loan via MoneySmart and draw down the designated loan amount could enjoy up to SAMSUNG Galaxy S24 Ultra (S9280) - 256GB  (value: $8,450) or HK$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, total rewards up to HK$29,450! Online loan application can enter lucky draw of 2 Europe Business Round Trip AirTickets! (worth 336,000 Miles^)Total - 6 winners!

【Last Chance! Apply for Personal Loan at the Beginning of the Year of Loong! 🐲】Earn with Your Personal Loan Application.

From now until 30 April, apply for Standard Chartered Debt Consolidation Program - Tax Season Loan via MoneySmart, you can earn the application bonus of HK$800 vouchers (given out as 8,000 SmartPoints) regardless of approval! But that's not all - SmartPoints can be freely exchanged for cash vouchers from 20+ brands or converted into HK$533 cash! Click here to learn more.

Valid until 30 Apr 2024 - See more details below
Apply Now
More Details
HSBC Personal Instalment Loan

Monthly payment

HK$9,113

HSBC Personal Instalment Loan

APR
1.88%*
Total Amount Payable
HK$218,720
Total interest payable
HK$18,720
Monthly payment
HK$9,113
Read More
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Grantit TU-Free Tax Loan

Monthly Payment

HK$8,533

Grantit TU-Free Tax Loan

APR*
2.0%
Total Amount Payable
HK$204,800
Total Interest Payable
HK$4,800
Monthly Payment
HK$8,533
Read More
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UA Seasonal Tax Loan

Monthly Payment

HK$8,453

Loan amount up to 300% of tax payable

UA Seasonal Tax Loan

APR*
1.38%
Total Amount Payable
HK$202,880
Total Interest Payable
HK$2,880
Monthly Payment
HK$8,453
Apply Now
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BOC Express Cash Instalment Loan - Tax Season Loan

Monthly Payment

HK$8,778

APR as low as 1.78%*

BOC Express Cash Instalment Loan - Tax Season Loan

APR*
1.78%
Total Amount Payable
HK$210,670.40
Total Interest Payable
HK$10,670.40
Monthly Payment
HK$8,778
Read More
More Details
Promise Personal Loan (Available for Tax Season)

Monthly Payment

HK$8,733

MoneySmart Exclusive
Instant Approval Online◉

Promise Personal Loan (Available for Tax Season)

APR*
4.49%
Total Amount Payable
HK$209,600
Total Interest Payable
HK$9,600
Monthly Payment
HK$8,733
[Welcome Offer - Get HK$10,000 loan with HK$500 Cash Rewards] From now until 30 June 2024, 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 30 Jun 2024 - See more details below
Apply Now
More Details

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.