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Unsecured Overdraft Facility

Apply for Unsecured Overdraft Facility to enjoy:

	First year annual fee waiver⁽¹⁾.
	Perpetual cash withdrawal fee waiver. You can withdraw cash anytime by cheque, account transfer or via ATM.

	High unsecured overdraft limit up to HKD$600,000⁽²⁾.
	Interest will be charged only on the outstanding amount on a daily basis and the interest rate per annum is as low as Prime Rate + 2%.
	The credit line is on a revolving basis. You can redraw the paid-up amount without re-applying.
	There is no repayment deadline. Minimum monthly repayment is just 3% of the outstanding balance or HKD100 (whichever is higher).
	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.

	Personal e-Banking Customer
	Other Customer

	Personal e-Banking Customer
	Other Customer

Please provide the following information to calculate the Daily Interest Paid and Monthly Minimum Payment Amount:

Limit / Statement Debit Balance:

HKD

% (p.a.)

Daily Interest Paid:

HKD

Monthly Minimum Payment Amount:

HKD

The figure calculated is for reference only.

(1)	The first-year annual fee waiver of Unsecured Overdraft Facility ranges from 0.5% to 1% of the overdraft limit subject to a minimum of HKD200, maximum HKD800.
(2)	The final approved unsecured overdraft limit is subject to change in accordance with the circumstances of individual cases.

Remarks:
•	Prime Rate refers to the Hong Kong Dollar Prime Lending Rate as quoted by Hang Seng from time to time.
•	Hang Seng shall have absolute discretion to prescribe and change the overdraft limit, overdraft interest rate and fee.
•	For details of service provisions, charges and annual fees of the relevant Integrated Account, please refer to respective leaflets of the corresponding products.
•	Hang Seng reserves the right to terminate or vary the offers of this promotion and the approval of the Unsecured Overdraft Facility and the related terms and conditions from time to time. In case of any dispute arising from the above offers and the Unsecured Overdraft Facility, Hang Seng's records shall prevail and the decision of Hang Seng shall be final.

Reference Rate

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