Tax Season: limited time offerGive the tax season an ambitious spin! Carry out plans and manage your wealth with HSBC’s Personal Tax Loan. Apply from 8 February 2023 to 6 March 2023 to enjoy the following promotion:

1. Only applicable to customers who have successfully applied for and drawn down the loan during the promotional period which commences on 8 February 2023 and ends on 6 March 2023, both dates inclusive (the "Promotional Period") with an approved loan amount of HK$1,500,000 or above. Based on a monthly flat rate of 0.08%, the Annualised Percentage Rate (APR) is 2.25% over a repayment period of 12 months. The APR is calculated using method specified in relevant guidelines issued by The Hong Kong Association of Banks, and is rounded up or down to the nearest two decimal places. An APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate. For your applicable interest rate, please call our hotline 2748 8080; log on to Online Banking or the HSBC HK App. The interest rate that will apply and the amount of interest that will be charged are calculated based on the approved Loan amount and the repayment period. If your Loan application cannot fulfil our credit requirement, the Bank may still process your application on a case-by-case basis, but the interest rate, handling fee, repayment period and/or promotional offer may be adjusted. The Bank will inform you on the finalised Loan details. If you accept the Loan details, we will credit the Loan into your repayment account according to normal procedure.
2. It comprises the total sum of up to HK$1,500 cash rebate under the Successful Application Offer and HK$300 cash rebate under the Document Submission Offer.
3. Only applicable to loan applications submitted and approved during the promotional period with a repayment period of 12 to 24 months, you will be eligible for a HK$300 cash rebate for an approved Loan amount of HK$100,000 to less than HK$200,000, or a HK$500 cash rebate for an approved Loan amount of HK$200,000 to less than HK$1,000,000, or a HK$1,500 cash rebate for an approved Loan amount of HK$1,000,000 or above.
4. Only applicable to customers who successfully submit supporting document(s) required by the Bank for the loan application during the Promotional Period with an approved loan amount of HK$100,000 or above. The Document Submission Offer is not applicable to loan applications on which the Bank does not require submission of any supporting document.
5. The lower one applies. The final approved loan amount, which is calculated by way of monthly salary multiples, is subject to change in accordance with the circumstances of individual cases.
6. Applications have to be submitted during the Bank’s service hours (Monday to Friday: 9 am - 8 pm, Saturday: 9 am - 5 pm, Sunday and public holidays: 12 noon - 12 midnight, or individual branch’s opening hours) with all required information (including without limitation a valid HSBC banking account number) and documents. The actual turnaround time starts when all the required information is successfully inputted into the Bank’s application evaluation system and the Bank may provide the instant application result and fund disbursement. Processing time may vary in some cases depending on the actual circumstances of individual applications.
7. For irregular income earners (including customers working on a part-time, commission or profit-sharing basis, contractors, independent contractors or freelance), no income proof is required if they have maintained an auto payroll account with HSBC for at least three months.

When can you enjoy the offer

1. The promotional period for the offer is from 8 February 2023 to 6 March 2023.

What is the offer

2. You can enjoy cash rebate for your approved application of Personal Tax Loan (“Loan”) during the promotional period.

How can you enjoy the offer

3. Successful Application Offer:
   If you submit a Loan application and the Loan is approved during the promotional period with a repayment period of 12 to 24 months, you will be eligible for a HK$300 cash rebate for an approved Loan amount of HK$100,000 to less than HK$200,000, or a HK$500 cash rebate for an approved Loan amount of HK$200,000 to less than HK$1,000,000, or a HK$1,500 cash rebate for an approved Loan amount of HK$1,000,000 or above.

4. Document Submission Offer:
   If you submit the supporting document(s) required by us for a Loan application and a Loan of HK$100,000 or above is approved during the promotional period, you will be eligible for a cash rebate of HK$300. This offer is not applicable if we do not require submission of supporting document for the Loan application.

Read before you enjoy the offer

5. You are entitled to enjoy the offer(s) only once under this promotion.
6. The cash rebate will be credited to your Loan repayment account on or before 30 June 2023 (the “Offer Credit Date”) without further notice. You have to ensure your Loan repayment accounts are still valid on the Offer Credit Date in order to enjoy the offer(s).
7. If you cancel your Loan on or before the Offer Credit Date, you will not be eligible for the offer(s). You shall be required to return to us any cash rebate earned under the applicable promotional offer(s) in case of early repayment of the Loan.
8. We can change or cancel the offer(s) or amend the terms and conditions. Please check our website for the latest details, availability and terms and conditions of the offer(s).
9. Our employees and the employees of other members of the HSBC Group are not eligible for this promotion.
10. In case of any dispute arising out of this promotion, our decision shall be final and conclusive.
11. We write the terms and conditions of the offer(s) under Hong Kong laws. In the event of any discrepancy or inconsistency between the English version and the Chinese version of the promotional materials and these terms and conditions, the English version shall prevail.