TAX LOAN

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Chong Hing Tax Loan 

 

“Key Facts Statement” (click here)

 

Empower you to manage your funds flexibly. Pay taxes with ease and enjoy life!

 

Loan Features:

  • Annualised percentage rate as low as 3.31%(1)
  • Loan amount up to HK$2,000,000, or 10 times of monthly salary (whichever is lower)(2)
  • Loan repayment period of up to 24-month(2)
  • 7 days Cooling-off Period(3)

 

Interest Rate Table of Chong Hing Tax Loan (click here)

 

Early Bird Offer(4) and Preferred Customers Reward

From now until 31 December 2025, the Bank’s Selected Existing Customers(5) who have successfully applied for Chong Hing Tax Loan via the Bank's Digital Channels(6), and successfully drawn down in full with loan amount of HK$1,000,000 or above for 18-month or above repayment period before 30 January 2026 and have their latest Credit Reference Agency’s credit report with AA graded(7)can enjoy up to HK$8,888  Cash Reward.

Customers who have successfully drawn (a) the Bank’s 2023/24 or 2024/25 tax loan; and (b) the Tax Loan on or before 30 April 2026 with net loan amount of not less than HK$10,000, may enjoy HK$500 Cash Reward.

Offers are subject to relevant terms and conditions. (click here for details)

 

Digital Channels’ Offer(9), Additional Reward(10) and Preferred Customers Reward

From now until 31 March 2026, customers who have successfully applied for Chong Hing Tax Loan via the Bank’s Digital Channels(6) and drawn such tax loan as approved by the Bank for designated loan amount on or before 30 April 2026 will be entitled to the Digital Channel Offer up to HK$2,000 Cash Reward(9); Customers who successfully apply for any 2 of the selected banking services(8), and successfully open an account by the Bank’s Remote Account Opening via Chong Hing Mobile Banking and set up payroll account services will be entitled to an Additional Reward up to HK$800 Cash Reward(10).

Customers who have successfully drawn (a) the Bank’s 2023/24 or 2024/25 tax loan; and (b) the Tax Loan on or before 30 April 2026 with net loan amount of not less than HK$10,000, may enjoy HK$500 Cash Reward.

Offers are subject to relevant terms and conditions. (click here for details)

 

Application is Easy, Act Now !

Customers can apply for Chong Hing Tax Loan through the following channels:

  • 24-Hour Online Application: (click here)
  • Chong Hing Mobile App
  • Chong Hing Loan Application Hotlineļ¼š3768 6899(11)
  • Visit any branch of Bank in Hong Kong in person

 

Remarks:

(1) and (2)  The annualised percentage rate (“APR”) ranges from 3.31% to 27.40%, with repayment periods of 12 to 24 months. APR is calculated according to relevant guidelines set out in The Hong Kong Assocation of Bank, and is rounded up or down to the nearest two decimal places. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualised rate. The actual APR may differ from individual customers, the final interest rate will be subject to the financial status and credit check results of the customers. The Bank reserves the right of final decision on the interest rate and approval result, which shall be binding on customers and applicants.
  Reference example: For a loan amount of HK$800,000, the APR of 3.31% is calculated based on a monthly flat rate of 0.1479% and a 12-month repayment period (including full handling fee waiver).
(3)  For details of "7 days Cooling-off Period", please refer to the "General Terms for Chong Hing Tax Loan".
(4)  No Selected Existing Customer shall be entitled to receive the Early Bird Offer or Preferred Customers Reward for more than once during the Early Bird Promotion Period. Also, customer cannot enjoy “Early Bird Offer” with “Digital Channels’ Offer” or “Additional Reward” during the Early Bird Promotion Period.
(5)  Selected Existing Customers refer to the existing customers of the Bank’s i) Private Banking, ii) Exceed Banking, iii) Go Banking, and vi) mortgage loan.
(6)  “Digital Channels” refers to the Bank's website or Chong Hing Mobile Banking Services.
(7)  When the Bank considers the application for loan, the Bank may refer to the credit score on credit report(s) on the Applicant from credit reference agency(ies) during the approval process.
(8)  The Selected Banking Services include i) Chong Hing Mobile Banking/Internet Banking, ii) Investment Account, iii) Payroll Account, iv) Private Banking, v) Exceed Banking, vi) Go Banking and vii) Credit Card.
(9)  Digital Channels’ Offer details are as follows:
 
Designated Tax Loan Amount (HK$) Digital Channels' Offer - Cash Reward (HK$)
Designated Loan Tenor
12 Months 18 to 24 Months
800,000 or above 1,000 2,000
500,000 to 799,999 750 1,500
200,000 to 499,999 500 1,000
80,000 to 199,999 250 500
(10)  Additional Reward details are as follows:
 
Designated Tax Loan Amount (HK$) Additional Reward - Cash Reward (HK$)
Designated Loan Tenor
12 Months 18 to 24 Months
800,000 or above 400 800
500,000 to 799,999 300 600
200,000 to 499,999 200 400
80,000 to 199,999 100 200
(11)  Service hours of the Chong Hing Loan Application Hotline are from 9:00 am to 6:00 pm on Mondays to Fridays, and 9:00 am to 1:00 pm on Saturdays.

 

 

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To borrow or not to borrow? Borrow only if you can repay!
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General Terms for Chong Hing Tax Loan (“Loan”):

  1. The promotion of Chong Hing Tax Loan is from 5 December 2025 until 31 March 2026 (both dates inclusive) (“Promotion Period”).
  2. Applicant aged 18 years or above holding a Hong Kong Identity Card (“Eligible Customer”) is eligible to apply for Chong Hing Tax Loan. Applicant may apply through the website of Chong Hing Bank Limited (the “Bank”), Chong Hing Mobile App, Chong Hing Loan Application Hotline or visiting any local branch of the Bank. The Bank shall base its consideration on the relevant approval requirements, including but not limited to the Eligible Customer’s financial status and credit search results, and determine whether or not to approve any Loan application and the final interest rate. The Bank has no obligation to disclose the reason of such determination. Eligible Customer whose Loan application is successfully approved shall receive the Bank’s notification of the approval result and Loan details by phone. If the approved Loan is not drawn in full within 30 days from such notification, the Bank’s approval shall be deemed as revoked and cancelled automatically without notice. The Bank may at its sole discretion adjust the approved Loan terms and conditions. Regarding the disbursement and drawing of the approved Loan, the applicant irrevocably instructs and authorises the Bank to disburse/credit the Loan proceeds into the applicant’s repayment account with the Bank, and/or to disburse according to the applicant’s request which shall be deemed as drawn by the applicant. After full drawdown of the Loan successfully applied for within the Promotion Period, the Bank shall send its official Drawdown Advice to the customer concerned for record.
  3. The minimum Loan amount is HK$10,000, and the maximum is up to HK$2,000,000 or 10 times the Eligible Customer’s monthly salary (whichever is lower).
  4. Loan repayment tenor may be of 12, 18 or 24 months respectively.
  5. If the Loan application by an Eligible Customer does not fulfill the approval requirements of Chong Hing Tax Loan, the Bank may consider providing other loans of the Bank on a case-by-case basis with the consent of the Eligible Customer (if applicable). However, the interest rate, handling fee and/or repayment period of such other loan may be adjusted. The Bank will inform the Eligible Customer of such other loan’s finalised terms and conditions. If the Eligible Customer accepts the adjusted loan terms and conditions of such other loan, the Bank will credit such other loan approved into customer’s designated repayment account at the Bank according to the relevant procedures.
  6. The Bank’s “Terms and Conditions for Personal Instalment Loan” are also applicable to Chong Hing Tax Loan. Please visit the Bank’s website for the details and for the Repayment Example of Chong Hing Personal Instalment Loan.
  7. After approval of the Eligible Customer’s Loan application (if granted), the Bank shall lend to the Eligible Customer the Loan subject to the “General Terms for Chong Hing Tax Loan”, the Drawdown Advice issued by the Bank, terms of promotional offers (if applicable) and the “Terms and Conditions for Personal Instalment Loan”. After drawdown of the Loan, the Eligible Customer is deemed to have agreed to be bound by (in the event and to the extent of any inconsistencies among contents of the aforesaid documents, which shall be governed in descending priority of precedence as follows): the Drawdown Advice issued by the Bank, the “General Terms for Chong Hing Tax Loan”, the “Terms and Conditions for Personal Instalment Loan”, terms of promotional offer (if applicable) and the “Account Terms”.
  8. The Bank reserves the right to cancel or amend the promotional offer (if applicable) and the "General Terms for Chong Hing Tax Loan" without any notice.
  9. Customer will be entitled to the right of 7-day cooling-off period after the disbursement of the Loan. To exercise this right and be exempted from the applicable prepayment fees and Loan interest, the customer shall notify the Bank within 7 business days immediately following the Loan drawdown date by contacting the Bank’s customer service hotline at 3768 6899, sending an email to customerservice@chbank.com, or visiting any local branch in person to apply for full prepayment. Concurrently, within 10 business days immediately following the Loan drawdown date, the customer shall deposit the full Loan principal amount into the customer’s repayment account held with the Bank and visit any local branch of the Bank in person to complete the prepayment procedures. Customers who have exercised the right of early prepayment of the Loan in full within the 7-day cooling-off period will not be eligible to any loan promotional offers.
  10. The Chinese translation of the "General Terms for Chong Hing Tax Loan" is provided for reference only. In case of any inconsistencies between the English and Chinese versions, the English version shall prevail.
  11. In case of any disputes arising from the “General Terms for Chong Hing Tax Loan”, the Bank reserves the right of final decision at its sole discretion which shall be binding on the customers and applicants concerned.
  12. Terms and Conditions for Personal Instalment Loan (click here)
  13. Repayment Example of Chong Hing Personal Instalment Loan (click here)

Apply Now:
(852) 3768 6899