 Apply
for "Self-fulfilment" Interest-free Instalment Plan to enjoy:
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Interest waiver throughout the
whole instalment tenor regardless of the instalment amount
and repayment period. |
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Low handling fee of as low as HKD2.1 a day(1) to
get extra cash for financial flexibility.
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Instalment amount of up to HKD800,000 or six times
your monthly salary(2) (whichever is
lower). |
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Flexible repayment period - 12 to
48 months. |
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Same day approval and cash disbursement(3). Apply and get approval in the same morning, and cash will be ready for you to draw via ATM in the afternoon(4) |
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Eligibility to apply for a Top-up
Loan on your repaid principal amount(5)
. No income proof is required. |
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Apply online to enjoy our five-second Instant Preliminary Approval Service. You will get the chance to enjoy a full-year interest and handling fee waiver upon successful application!
Please click here for details, terms and conditions. |
New
job starters or those who have recently changed employer :
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Employment letter or employment
contract can serve as income proof for application. |
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Instalment amount of up to three times your monthly
salary or HKD50,000 (whichever is lower). |
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Monthly handling fee is fixed at 0.83%(6) of the
instalment amount, regardless of the instalment amount. |
| Monthly
Repayment Table(7) (Based on a HKD10,000
instalment amount) |
Instalment
Amount (HKD)* |
Monthly
Repayment Amount (HKD) |
12
Months |
24
Months |
36
Months |
48
Months |
$5,000 - $14,999 |
$916.40 |
$499.70 |
$360.80 |
$291.40 |
$15,000 - $49,999 |
$906.40 |
$489.70 |
$350.80 |
$281.40 |
$50,000 or above |
$896.40 |
$479.70 |
$340.80 |
$271.40 |
| *Minimum instalment amount
is HKD5,000. |
Interest-free
Instalment Plan Calculator
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The figure calculated
is for reference only. |
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| If customer's instalment 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 handling
fee offered may be adjusted. For details, please
contact Hang Seng's staff. Customers will be notified
of the relevant adjusted handling fee upon loan
approval. If customer agrees to accept such loan,
Hang Seng will credit the loan amount to the designated
bank account according to normal procedures. |
| (1) |
Calculation is based on every instalment
amount of HKD10,000 with a monthly handling fee
of 0.63% and a 30-day month. Handling fees for
"Self-fulfilment" Interest-free Instalment Plan vary according to the instalment
amount. For details, please refer to the above
monthly repayment table. |
| (2) |
The final approved instalment amount which is calculated
by way of monthly salary multiple is subject to
change in accordance with the individual scenario. |
| (3) |
Same day approval and cash disbursement is only applicable to customers applying
for "Self-fulfilment" Interest-free Instalment Plan via the Hang Seng 24-hour
Application Hotline, in person at any branch of Hang Seng Bank Limited ("Hang Seng") or
online. Customers are required to maintain a specified Hang Seng repayment account to
enjoy such service. Generally, application will be assessed and, if approved, the instalment
amount will be available on the same working day if Hang Seng receives all required documents by 12:00
noon from Monday to Friday, subject to the actual situation from time to time.
Applications received on Saturday, Sunday or Public Holiday will be processed on the next working day. |
| (4) |
Only applicable to customers with Hang Seng account |
| (5) |
The repaid principal amount should be over HKD3,000.
Customers must have a punctual repayment
record to enjoy the Top-up Loan. For detailed
terms and conditions, please refer to the relevant
application form. |
| (6) |
Based on an instalment amount of HKD10,000, with a
monthly handling fee of 0.83% and a 30-day month,
the monthly repayment amounts and annualised percentage
rates ("APR") of the interest-free instalment
are: HKD916.40 (19.45%) for 12 months, HKD499.70 (19.67%) for
24 months, HKD360.80 (19.39%) for 36 months, and HKD291.40 (19.02%) for 48 months.
The annualised percentage rates are calculated
using Net Present Value Method in accordance with
the Code of Banking Practices. The said handling
fee together with the monthly repayment amount
will be debited from the repayment account on
the due date every month. |
| (7) |
The monthly handling fee of an instalment amount of
HKD50,000 or above is 0.63%, APRs are as follows:
14.56% for 12 months, 14.82% for 24 months, 14.70% for
36 months, 14.50% for 48 months.
The monthly handling fee of an instalment amount of
HKD15,000 - HKD49,999 is 0.73%, APRs are as follows:
16.99% for 12 months, 17.24% for 24 months, 17.04% for
36 months, and 16.76% for 48 months.
The monthly handling fee of an instalment
amount below $15,000 is 0.83%, APRs are as follows:
19.45% for 12 months, 19.67% for 24 months, 19.39% for
36 months, and 19.02% for 48 months. The annualised percentage rates are
calculated using Net Present Value Method in accordance
with the Code of Banking Practices. The said handling
fee together with the monthly repayment amount
will be debited from the repayment account on
the due date every month. |
Remark:
Hang Seng reserves the right to terminate the above offers and
instalment application at any time or to vary the same
and the related terms and conditions from time
to time. In case of any dispute relating to any of the above offers and instalment
application, Hang Seng's record shall be conclusive and Hang Seng reserves the right of
final decision. For the promotion details, terms and conditions, please contact Hang Seng's
staff or refer to the application form. |
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| Contact
Us |
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Call
our 24-hour hotline at 2812 8000 |
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Visit our branches
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