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    Tax Comforter Loan

    Overview

    From 4 December 2024 till 20 January 2025, apply for Tax Comforter Loan online to enjoy instant approval in as fast as 1 minute[1] and get cash with ease!

    Latest offer

    Annualised Percentage Rate as low as 1.68%[2]and 0% handling fee

    Loan amount up to HKD3,000,000 or 12 times of your monthly salary (whichever is lower)[3] and repayment period up to 24 months[4]

    No document is required for payroll customers[5]

    Useful Tools

    Edit your loan plan

    Answer simple questions below and get your loan plan

    The minimum input amount is HKD 5,000.00.
    The maximum input amount is HKD 3,000,000.00.
    day(s)
    Your loan plan Result Your instalment plan
    As of HKT
    Monthly repayment amount
    HKD HKD 436.70
    Monthly flat rate
    0.40 %
    Monthly handling fee (%)
    HKD -
    Debt Consolidation Instalment Loan Credit Card Minimum Payment
    Debt Consolidation Instalment Loan Credit Card Minimum Payment
    Monthly repayment amount HKD - Minimum Payment
    Total interest amount HKD - (Save HKD -) HKD -
    Repayment period 72 month(s) (Shortened by - month(s)) - month(s)
    The Annualised Percentage Rate of Debt Consolidation Instalment Loan is -
    Your payment will be as follows if you make no additional changes using this account:
    Each month you pay (HKD) Repayment period Estimated total payment amount (HKD)
    Each month you pay (HKD) Repayment period Estimated total payment amount (HKD)
    Only the minimum repayment - month(s) -
    - 36 month(s) -
    If you pay off the balance amount in 36 months, you can save HKD - for the total payment amount.
    Annual interest rate
    - %
    Annualised Percentage Rate (”APR“)
    9.10 %
    Daily interest payable Daily interest paid
    HKD -
    Monthly interest paid[6] Monthly interest paid[7]
    HKD - -
    Interest rate Effective rate (p.a.)
    - %
    Monthly minimum payment amount
    HKD -
    Total interest to be paid[2]
    HKD -
    Annualised interest rate (p.a.)
    -
    Apply now
    View repayment schedule
    Your loan plan

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    • The result of the loan calculator is for reference only. The actual interest rate may be adjusted upon approval on a case-by-case basis, and the repayment liability depends on actual terms.
    • All Annualised Percentage Rates are calculated using the Net Present Value Method in accordance with the Code of Banking Practice. The Annualised Percentage Rates are reference rate which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable).
    • The calculation of the monthly repayment amount and the Annualised Percentage Rate has taken the 0% handling fee into account and does not include Cash Rebate. The monthly repayment amount is rounded up to 1 decimal point. The proportion of loan principal to interest in each monthly instalment amount is calculated according to the Rule of 78.
    • The Annualised Percentage Rate listed above does not include any fees and charges. The Annualised Percentage Rate ranges from 1.68% to 36.00%, with repayment period of 12 to 24 months. The loan application is subject to our approval.
    • For a loan amount of HKD100,000 with 12 months repayment period, the monthly flat rate applicable is 0.25%  (APR 5.63%), and the total loan repayment amount is  HKD103,000.80 (0% handling fee). The above example is for reference only.
    Loan amount (HKD)   Monthly flat rate   Monthly repayment amount (HKD) - Based on every HKD10,000 loan amount (APR)
    12 months 18-24 months 12 months 18 months 24 months
    $5,000 - $49,999 0.40% 0.39% $873.40 $594.60 $455.70
    9.10% 9.04% 9.10%
    $50,000 - $99,999 0.35% 0.34% $868.40 $589.60 $450.70
    7.94% 7.86% 7.92%
    $100,000 - $199,999 0.25% 0.24% $858.40 $579.60 $440.70
    5.63% 5.52% 5.57%
    $200,000- $299,999 0.23% 0.22% $856.40 $577.60 $438.70
    5.18% 5.06% 5.11%
    $300,000- $499,999 0.22% 0.21% $855.40 $576.60 $437.70
    4.95% 4.83% 4.87%
    $500,000 - $999,999 0.21% 0.20% $854.40 $575.60 $436.70
    4.72% 4.59% 4.64%
    $1,000,000 - $1,499,999 0.19% 0.18% $852.40 $573.60 $434.70
    4.26% 4.13% 4.17%
    $1,500,000 or above 0.0755% 0.16% $840.90 $571.60 $432.70
    1.68% 3.67% 3.71%
    • All Annualised Percentage Rates are calculated using the Net Present Value Method in accordance with the Code of Banking Practice. The Annualised Percentage Rates are reference rate which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable).
    • The calculation of the monthly repayment amount and the Annualised Percentage Rate has taken the 0% handling fee into account and does not include Cash Rebate. The monthly repayment amount is rounded up to 1 decimal point. The proportion of loan principal to interest in each monthly instalment amount is calculated according to the Rule of 78.
    • If customer’s loan application cannot meet our approval requirements, Hang Seng Bank Limited (“Hang Seng”) may approve a loan to individual customers on a case-by-case basis but the interest rate offered may be adjusted. For details, please contact Hang Seng’s staff. Customers will be notified of the relevant adjusted interest rate upon loan approval.
    • For a loan tenor longer than 24 months, please refer to Hang Seng Personal Instalment Loan offering repayment period up to 60 months. Please click here and visit the details.

    via Mobile e-Banking

    Step 1/4
    All repayment options are displayed at your convenience, you can now choose the plan that fits you best.

    Footnote

    Remark(s)

    1. After logging on to Personal e-Banking or Hang Seng Mobile App, existing customers may finish the application process and get the approval result from starting the loan application in "Set Your Loan Plan" page, to submitting the application in Acknowledgement page in as fast as 1 minute. It's only applicable to application submitted during designated service hours (Mon to Fri: 9:00 a.m. to 8:30 p.m.; Sat: 9:00 a.m. to 5:30 p.m.; Sun and public holidays: 12:00 noon to 8:30 p.m.). Instant approval is eligible to customers who meet our approval requirements, and on case-by-case basis. It may take longer processing time depending on actual circumstances of individual applications. 
    2. For a loan amount of HKD1,500,000 or above, the Annualised Percentage Rate of 1.68% is calculated based on a monthly flat rate of 0.0755% and a 12-month repayment period, including 0% handling fee. The Annualised Percentage Rates are reference rate which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable).
    3. The minimum monthly income of the customers must be HKD11,000 or above. The final approved loan amount is subject to change in accordance with the circumstances of individual cases.
    4. Customers can choose for a 12, 18 or 24 months repayment period. If Tax Payment is the only loan purpose, maximum tenor is 18 months.
    5. Hang Seng reserves the right to request additional documents from individual applicants on a case-by-case basis.
    6. Minimum loan amount is HKD5,000.
    7. Hang Seng will disburse the approved loan amount to customer's designated bank account directly without further notice (1) if the final approved amount, repayment period and interest rate (collectively, the "loan terms") remain unchanged as those indicated in customer's application via any of the available application channels (the applicable interest rate is based on the customer type (if applicable) requested loan amount set out in the respective interest rate table); or (2) based on Hang Seng’s approved loan terms, which may be selected/accepted by customer during the online application via Personal e-Banking or Hang Seng Mobile App. Otherwise, Hang Seng will contact customer for follow-up. Customer will receive SMS notification from Hang Seng on the day of loan drawdown and may also refer to the drawdown letter for details of the loan.
    8. The salary scheme of our representatives (included basic salary and incentive) is based on their performance of various aspects and not only the sales target achieved.
    9. Customer is advised to pay attention on whether interest expenses would be saved by making early repayment of personal instalment loan. For enquiring the relevant fees and charges of loan account, please call our Personal Loan Service Hotline (852) 2997 3882.
    10. For the frequently asked questions relating to Tax Season Loan (e.g. Important notes of early repayment; the basis of apportionment of principal and interest in the monthly repayment, etc), please refer to Loans Services FAQs.

    Terms and Conditions apply to the offers and services. To borrow or not to borrow? Borrow only if you can repay!

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