Tax Season Loan

Key Facts Statement/Schedule of Fees and Charges

New loan experience! Get a brand-new flagship smartphone!

Existing customers can apply for a Tax Season Loan at BEA Mobile!

APR as low as 1%

Application can be completed in 1 minute at BEA Mobile

Apply for a Tax Season Loan successfully and draw down on or before 30 November 2025 to earn up to HK12,999 cash rebate*！

Cash rebate up to HK$12,999* ✔ Cash rebate of up to HK$10,199 equivalent in value of a brand-new flagship smartphone ✔ Exclusive Early Bird Offer of up to HK$1,000 cash rebate for BEA Mobile ✔ Cash rebate of up to HK$800 for New to Loan Customers1/2020-2024 Tax Season Loan Customers2 ✔ Cash rebate of up to HK$1,000 for Professionals/Civil Servants3

APR as low as 1%#

Product Features ✔ Repayment tenor up to 60 months ✔ Loan amount up to HK$4,000,000 (16 times of monthly salary) ✔ 0% handling fee ✔ 7-days Cooling-off Period

^* BEA reserves the final right to interpret the definition of “Eligible Customer”. The cash rebate will be directly credited to the repayment account of the Eligible Customer on or before 31st May, 2026 without prior notice. The status of the customer’s loan account must be valid and with no past due record/unsatisfactory credit history at the time when BEA credits the cash rebate.

^# The Annualised Percentage Rate (“APR”) as low as 1.00% is for reference only (It is calculated as for a loan amount of HK$4,000,000, with a monthly flat rate of 0.0450% and a repayment period of 12 months). The preferential interest rate is only applicable to individual customers who fulfil the approval requirement on credit ratings, Salaries Tax or Personal Assessment for 2024/2025 is HK$1,000,000 or above. If customer’s loan application cannot fulfill our approval requirements
such as credit ratings or other factors and requirements, BEA may evaluate the application on a case-by-case basis and the interest rate may be adjusted. The promotion of preferential interest rate is subject to a limited quota. The provision of the promotion is on a first come, first served basis (as determined by BEA in absolute discretion). BEA will not update customer on the quota usage of the promotion or its continued availability.

¹ New to Loan Customers must not held any BEA Consumer Loans account prior to the loan application date.

² The 2020-2024 Tax Season Loan Customers are those who have successfully applied for and drawn down the 2020-2021/2021-2022/2022-2023/2023-2024/2024-2025 Tax Season Loan.

³ Professionals/Civil Servants including civil servants, the staff of selected government organizations/public organizations, full-time teachers, teachers of tertiary institutions/universities, banking staffs, chartered/certified accountants, chartered architects, chartered engineers, lawyers, doctors, actuary and chartered surveyors.

Interest rate table:

Remarks:

1. The repayment period for the Tax Season Loan is either 12 or 24 months, and the loan amount can be up to 16 times the applicant’s basic monthly salary (maximum HK$4,000,000). The repayment period for the Instalment Loan is either 36, 48, or 60 months, and the loan amount can be up to 16 times the applicant’s basic monthly salary (maximum HK$2,000,000). The final approved loan amount, based on a multiple of the applicant’s monthly salary, is subject to change in accordance with individual circumstances.
2. 0% Handling fee is only applicable to Online/Branch application.
3. The Annualised Percentage Rate ("APR") as shown is calculated according to the standard method set out in the Code of Banking Practice and is rounded up or down to the nearest 2 decimal places, and includes the full arrangement fee waiver. The APR is for reference only. Please note that the APR stated in the loan confirmation letter will not include any cash rebate. Actual APRs and monthly repayments may differ, and the details stated in the loan confirmation letter shall prevail.
4. If the requested loan amount is approved in full, The Bank of East Asia, Limited will not notify the applicant. The Loan amount will be credited to the applicant’s designated bank account directly.
5. To promote responsible borrowing and reduce the risk of impulsive and excessive borrowing, our bank provide the cooling-off period to this loan product. Please refer to the notice for details. 

General Notes:

• APR from 1.00% to 23.84%
• Repayment period from 12 to 60 months

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!