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Edit your loan plan

Answer simple questions below and get your Personal Instalment Loan plan[1]

Your loan plan Result
As of HKT
Monthly repayment amount
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 -)
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
Monthly interest paid[6] Monthly interest paid[7]
HKD - -
Interest rate Effective rate (p.a.)
- %
Monthly minimum payment amount
Your loan plan

The result of the loan calculator is for reference only. The actual repayment liability depends on the actual terms of each borrowing arrangement.

View all loans

Personal Instalment Loan

  • Up to HKD6,000 cash rebate for online application
  • Payroll customers can further enjoy up to HKD800 cash rebate
  • Up to HKD3,000,000 loan amount and up to 60 months of repayment period
  • 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 HKD26,000 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

  • Opportunity to enjoy preferential interest rate 1.88% p.a. for the first 3 months (APR 1.90%)
  • First-year annual fee waiver and loan amount up to HKD600,000 or 8 times your monthly salary
  • Offered 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.

Electric Vehicle Loan

  • Annualised Percentage Rate as low as 1.78% and 0% handling fee
  • Up to HKD6,000 cash rebate
  • Loan amount up to HKD3,000,000 or the purchase price of your electric vehicle, whichever is lower, and up to 60 months of repayment period
Terms and Conditions apply.



  1. The Annualised Percentage Rate listed above does not include any fees and charges.
    All Annualised Percentage Rates are calculated using the Net Present Value Method in accordance with the Code of Banking Practice. The Annualised Percentage Rates are reference rate which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable).
    The calculation of the monthly repayment amount and the annualised percentage rate has taken the 0% handling fee into account and does not include cash rebate. 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 loan 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 interest rate offered may be adjusted. For details, please contact Hang Seng’s staff. Customers will be notified of the relevant adjusted interest rate upon loan approval.

Terms and Conditions apply to the offers and services. To borrow or not to borrow? Borrow only if you can repay!