DBS Tax Season Loan

For Key Facts Statement for Personal Instalment Loan, please click here.DBS Tax Season Loan

Annualised Percentage Rate as low as 1.88%⁺
Earn up to HK$7,000 reward^~ upon successful application!

Apply NowKey Facts Statement

"Tax Season Loan" is a low-interest "Personal Instalment Loan" designed during the tax season.^{^}Terms and conditions apply. For details, please click here. (The terms and conditions relating to this promotion campaign is available for download at our website from now until 1 month after the end of the promotional period. Customers may not be able to access or download such version of the information subsequent to the expiry of the specified timeframe. You are advised to download and store a copy for future reference. If you do not agree or have no online access to the terms and conditions, you may contact our Customer Services and request for a physical copy within the above-mentioned timeframe.)For terms and conditions of preceding month’s promotion, please click here.^*For details of how to use InstaRedeem and register for DBS Card+ account, please click here.

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Annualised Percentage Rate as low as
1.88%⁺

0% Loan Set Up Fee

Loan amount up to
HK$2,000,000
or 20x of your monthly salary

(whichever is lower)

Enjoy
12 – 24 months
flexible repayment period

Act Now!

Online Application	Apply Now Key Facts Statement
Apply via Phone	Call Personal Loans Hotline at (852) 2290 8111

We provide you with a cooling-off right. If you fully repay the loan amount within the cooling-off period (i.e. 7 calendar days after the day of loan drawdown) (“Cooling-off Period”), no interest and early settlement fee will be charged. However, since we have deducted the loan set up fee when disbursing the loan proceed to you and such fee is non-refundable, when you cancel the loan within the Cooling-off Period, you must add the amount of the loan set up fee to the loan proceed you received and return such amount to us. If you have any queries about the Cooling-off Period or need further assistance, please feel free to contact our Customer Service Hotline at 2290 8888.

The online application will not be processed in real time and is not for urgent submission of information. Should you have any enquiry, please contact our 24-hour hotline at (852) 2290 8888.

Monthly Repayment TableFor monthly repayment table, please click here.Taking DBS Tax Season Loan as an example, for a DBS Treasures customer, the loan amount is HK$200,000, the tenor is 12 months, the monthly flat rate is 0.15% (annualised percentage rate is 3.36%), the monthly repayment amount is HK$16,967, and the total cost of the loan (including loan principal) is HK$203,604.

The APR ranges from 1.88% to 5.81%. The minimum and maximum repayment period is 12 months and 24 months, respectively. The final interest rate and repayment period applicable to a customer is subject to his/her financial condition and is solely determined by us. To facilitate customer to repay, the monthly repayment amount is rounded to an integral, so the final APR may be slightly different from that quoted in the above table.

Documents Required & How to UploadPlease submit photocopies of required documents to facilitate our processing of your application. Documents submitted, together with the application form, will not be returned.Upload Here

Eligibility

Applicants must be a Hong Kong Resident aged 18 or above with a minimum annual income of HK$80,000

FAQ

What is Tax Loan?

A Tax loan is a specialized, low-interest personal instalment loan offered during a specific period to help individuals manage their tax obligations while also providing an attractive financing option for other uses.

For details of DBS Tax Season Loan, please refer to DBS Tax Season Loan.

How should I choose between Personal Instalment Loan and Tax Loan?

If your main requirement is to pay taxes, Tax Loan is generally more advantageous because it offers different promotions during tax season. If you need funds for diverse purposes and desire a longer repayment period, or are applying outside the tax season, Personal Instalment Loan offers greater flexibility. Compare the latest offers and interest rates for both types of loans to make the best decision.

Personal Instalment Loan vs Tax Loan comparison

	Tax Loan	Personal Instalment Loan
Main purpose	Mainly for tax payments, but can be for other general needs	General-purpose (e.g., renovation, wedding, further education)
Promotion period	Seasonal (typically October to March)	All year round
Interest rates	Offers preferential Tax Season interest rates	Offers preferential interest rates based on customer's credit standing
Repayment period	Shorter (typically 6-24 months)	Longer (typically 6-60 months)
Loan amount	Can be high (typically up to HK$2M-4M), often tied to salary or tax payable	Can be high (e.g., up to HK$2M or 20x monthly salary)

How can I find out more about DBS Personal Loans?

To find out more about DBS Personal Loans, feel free to call us on (852) 2290 8888.

Remarks

⁺Only applicable to DBS Treasures Customers only, and with a loan amount of HK$1,500,000 or above and a tenor of 12 months. The Monthly Flat Rate is 0.09%, the Annualised Percentage Rate is 1.88% (taking into account HKD1,000 cash rebate) or 2.01% (without any cash rebate).

^~Up to $7,000 reward is for Selected Customers and Normal Customers, and with a loan amount of HK$1,500,000 or above and a tenor of 24 months.

We reserve the right to request an income proof and additional documents for application approval.
An Annualised Percentage Rate (“APR”) is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualized rate.
You are eligible to apply for redrawing the repaid principal if a minimum of one instalment has been repaid and the repaid principal is over HK$5,000, with a punctual repayment record maintained. For application or enquiry about the details of redrawing the repaid principal and the terms and conditions, please call 2290 8111. We reserve the right for final approval based on the account condition.
The monthly flat rate quoted in the above table is for reference only. The interest rate applicable to a customer is subject to his/her financial condition and is solely determined by us.

If a customer decides to early pay off the loan, customer should assess whether the Early Settlement Administrative Fee outweighs the interest saved. To facilitate the assessment, customer can refer to “Personal Loans FAQ” on the Bank’s website for illustration. For details of such administrative fee, please refer to the Personal Instalment Loan Terms and Conditions.

For Terms and Conditions for Direct Credit Authorization (for Loan Disbursement) and Direct Debit Authorization (for Loan Repayment), please click here.

Reminders about Responsible Borrowing

You should have a clear understanding of your financial condition, daily expenses, and actual borrowing needs.
You should assess your repayment ability and avoid over-borrowing.
You should repay any outstanding balance on time to avoid late payment charges and additional overdue interest.
To borrow or not to borrow? Borrow only if you can repay!

Personal Information Collection (PIC)

DBS Bank (Hong Kong) Limited safeguards your data in accordance with applicable Hong Kong laws. We only use the data we collect in accordance with our Data Policy which explains the data collection purposes, the persons to whom we may transfer data, your data access and correction rights and how you may contact our Data Protection Officer.