Applicable to Hang Seng Payroll Service or
Mortgage Service or Preferred Banking Customers (Cash Rebate Excluded)
Applicable to Other Customers (Cash Rebate Excluded)
Monthly Flat Rate
Maximum Cash Rebate
for online or mobile application*
Repayment Amount ^
^ Based on every HKD10,000 loan amount
Important Notes on Loan Application
(including Fees and Interest Rates)
All Annualised Percentage Rates (APRs) are calculated using respective monthly flat rate and tenor, and have included Full Handling Fee Waiver.
The calculation of the monthly repayment amount and the APR has taken the full handling fee waiver into account. The monthly repayment amount is rounded up to 1 decimal point. The proportion of loan principal to interest in each monthly instalment amount is calculated according to the Rule of 78.
If customer's Tax Comforter application fails to meet our approval requirements, Hang Seng may approve a loan to individual customers on a case-by-case basis but the interest rate and handling fee offered may be adjusted. For details, please contact Hang Seng's staff. Customers will be notified of the relevant adjusted interest rate and handling fee upon loan approval. If customer agrees to accept such loan, Hang Seng will credit the loan amount to the designated Hang Seng Bank account according to normal procedures.
The APRs are calculated using the Net Present Value Method in accordance with the Code of Banking Practices, and the full handling fee waiver are included.The annualised percentage rates are reference rate which include the basic interest rate and other fees and charges of product expressed as an annualised rate (if applicable). Hang Seng reserves the right to terminate the offers at any time to vary the same and related terms and conditions from time to time. The approval of the loan is subject to Hang Seng’s final decision. In case of any dispute, the decision of Hang Seng shall be final. For loan and offer details, rates, handling fee, annualised percentage rates, terms and conditions, please contact Hang Seng branch staff or refer to the promotional materials/ application form and monthly repayment table.