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Your loan plan Result
As of HKT
Monthly repayment amount
HKD -
Monthly flat rate
- %
Debt Consolidation Instalment Loan Credit Card Minimum Payment
Debt Consolidation Instalment Loan Credit Card Minimum Payment
Monthly repayment amount HKD - Minimum Payment
Total interest amount HKD -
(Save HKD -)
HKD -
Repayment period 72 month(s)
(Shortened by - month(s))
- month(s)
The Annualised Percentage Rate of Debt Consolidation Instalment Loan is -
Your payment will be as follows if you make no additional changes using this account:
Each month you pay (HKD) Repayment period Estimated total payment amount (HKD)
Each month you pay (HKD) Repayment period Estimated total payment amount (HKD)
Only the minimum repayment - month(s) -
- 36 month(s) -
If you pay off the balance amount in 36 months, you can save HKD - for the total payment amount.
Annual interest rate
- %
Annualised Percentage Rate (”APR“)
- %
Daily interest payable Daily interest paid
HKD -
Monthly interest paid[6]
HKD -
Interest rate Effective rate (p.a.)
- %
Monthly minimum payment amount
HKD -
Your loan plan

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Personal Instalment Loan

  • Up to HKD3,000,000 loan amount and up to 60 months of repayment period
  • Up to HKD3,000 cash reward
  • Further apply for a Top-up of your repaid amount with no documents required
Terms and conditions apply.

Top-up Loan

  • Exclusively for existing personal instalment loan customers to re-borrow repaid loan principal.
  • Enjoy the prevailing interest rate on your existing loan
  • The ability to re-borrow repaid loan principal with the existing or longer loan tenor
Terms and conditions apply.

Debt Consolidation Instalment Loan

  • Up to HKD13,000 cash rebate
  • Manage your outstanding debts easily by integrating all your borrowings
  • Better budget planning with fixed monthly repayment and up to 72 months of repayment period
Terms and conditions apply.

Personal Revolving Loan

  • As low as 8% p.a. interest rate and first-year annual fee waiver
  • Up to HKD600,000 or 8 times your monthly salary loan amount
    and enjoy HKD200 cash reward
  • Offer repayment flexibility by repaying monthly minimum repayment
Terms and conditions apply.

Unsecured Overdraft Facility

  • First-year annual fee waiver
  • Overdraft interest will be charged only on the outstanding amount on a daily basis with no repayment deadline
  • Unsecured overdraft limit up to HKD800,000 or 8 times your monthly salary
Terms and conditions apply.

Asset Link Secured Overdraft Facility

  • Bringing extra liquidity from a diversity of assets
  • Overdraft amount of up to 95% of the market value of the collaterals
  • Revolving credit line allows flexible repayment without minimum payment
Terms and conditions apply.

Other information you need to know

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Footnote

Remark(s)

  1. Checking application status anytime is available to Hang Seng Handy Cash Personal Instalment Loan customers (excluding Top-up Loan and Debt Consolidation Instalment Loan) only. Customers can check the application status via Hang Seng Personal e-Banking. The display of application status is within 45 calendar days from the Application Date, which refers to the application date reflected in the system record of Hang Seng Bank Limited (“Hang Seng”).
  2. Customers can instantly accept the terms and conditions of Hang Seng Handy Cash Personal Instalment Loan via Hang Seng Personal e-Banking (excluding Top-up Loan and Debt Consolidation Instalment Loan). In general, if customer accept the terms and conditions of the Hang Seng Handy Cash Personal Instalment Loan via Personal e-Banking before 3:00 p.m. from Monday to Friday, and if the final approved result matches the preliminary approved result, the approved loan amount will be deposited to customer’s designated Bank Account in Hang Seng on the same working day the soonest, subject to the actual situation from time to time. Instructions received on Saturday, Sunday or Public Holiday will be processed on the next working day. The approval of the Hang Seng Handy Cash Personal Instalment Loan is subject to Hang Seng's final decision.

To borrow or not to borrow? Borrow only if you can repay!