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

DBS Tax Season Loan

Annual percentage rate as low as 1.33%
Big plans in mind that need financing? Get a HK$200 “InstaRedeem” amount^ upon successful application to offset your spending at any merchant around the globe via DBS Card+ instantly*! Help you plan a wonderful life in the future.

Apply Now Key Facts Statement


^Terms and conditions apply. For details, please click here.

*For details of how to use InstaRedeem and register for DBS Card+ account, please click here.



Annualized percentage rate as low as 1.78%

Annual percentage rates as low as 1.33%

0% handling fee

0% Loan Set Up Fee

Loan amount up to HK$2 millions or 20x monthly salary

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

(whichever is lower)

Flexible repayment period from 12 months to 24 months

Enjoy 12 – 24 months

flexible repayment period


Act Now!

Online Application

Call us

Call Personal Loans Hotline at (852) 2290 8118

WhatsApp us

WhatsApp at (852) 6603 0001
Provide your surname, our staff will contact you to follow up your enquiry1


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 Table

Loan amount (HK$) 10,000 - 99,999 100,000 - 199,999 200,000 - 499,999 500,000 - 999,999 1,000,000 - 1,499,999 1,500,000
or above
Flat rate per month 0.18% 0.12% 0.09% 0.08% 0.07% 0.06%
Monthly repayment amount (HK$) - For every HK$10,000 loan amount 12 months 851.00 (4.04%) 845.00 (2.68%) 842.00 (2.01%) 841.00 (1.78%) 840.00 (1.56%) 839.00 (1.33%)
18 months 574.00 (4.13%) 568.00 (2.75%) 565.00 (2.06%) 564.00 (1.83%) 563.00 (1.60%) 562.00 (1.37%)
24 months 435.00 (4.17%) 429.00 (2.78%) 426.00 (2.08%) 425.00 (1.85%) 424.00 (1.62%) 423.00 (1.39%)

Document Upload

Please submit photocopies of required documents to facilitate our processing of your application. Documents submitted, together with the application form, will not be returned.

Upload Now



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


Repayment Schedule Calculator

Use the Repayment Schedule Calculator to calculate your repayment amount.


  1. Our staff would not obtain your personal information via WhatsApp channel, this channel is dedicated for enquiries on loan products only.
  2. 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 the Bank.
  3. The annualized percentage rate (“APR”) is calculated in accordance with the guideline issued in respect of the Code of Banking Practice and is rounded to the nearest two decimal places. The APR of 1.33% is calculated based on the loan amount of HK$1,500,000, monthly flat rate of 0.06% and instalment period of 12 months.
  4. The APR ranges from 1.33% to 4.17%. 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.
  5. “Tax Season Loan” is the Personal Instalment Loan with low interest that we offer during tax season.

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.

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.

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