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Repaying your outstanding loans with Extra Cash
Pay off card and loan debts easily and get extra cash.
Please read the Notice to Customers and Other Individuals relating to the Personal Data (Privacy) Ordinance, Terms and Conditions for Hang Seng Personal Instalment Loan and Hang Seng Personal Revolving Loan and the Declaration.
If you understand and agree to be bound by them, please call (852) 3146 9987.
Please read the Notice to Customers and Other Individuals relating to the Personal Data (Privacy) Ordinance, Terms and Conditions for Hang Seng Personal Instalment Loan and Hang Seng Personal Revolving Loan and the Declaration.
If you understand and agree to be bound by them, please call (852) 3146 9987.
Loan amount up to 21 times of your monthly salary[1] and can save interest expenses with personalised interest rate
Up to HKD26,000 cash rebate[2]
Manage your outstanding debts easily by integrating all your borrowings to clear debts at ease
Better budget planning with fixed monthly repayment and up to 72 months of repayment period
Only the latest month's income proof[3] is required
The ability to apply for a top-up on your repaid principal amount
Enjoy extra cash up to 8 times of your monthly salary[1] while settling your outstanding card and loan balance
Find out how much you can save by answering simple questions below
| 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) |
| 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) | - |
The above example is for reference only and calculated based on a monthly flat rate of 0.20% over a 72-month repayment period with all fees and charges waived, the Annualized Percentage Rate (“APR”) is 4.63%. The final approved interest rate, loan amount and handling fee are subject to the circumstances of individual cases and credit assessment result.
APRs are calculated using the Net Present Value Method in accordance with the Code of Banking Practice, and is rounded up or down to the nearest 2 decimal places. The above APRs 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 monthly repayment amount is rounded up to 1 decimal place and will be debited from the repayment account on the due date every month. The proportion of loan principal to interest in each monthly instalment amount is calculated according to the Rule of 78.
The total interest expense over the whole repayment period quoted above is rounded to 2 decimal places.
Actual interest expense amount that can be saved is determined on a case-by-case basis (it depends on various factors such as the outstanding balance of credit card that a customer currently holds, interest rate charged by the respective credit card, monthly repayment amount, repayment period as well as the amount of Debt Consolidation Loan approved by Hang Seng, loan repayment period, interest rate and monthly repayment amount).
The above Credit Card Minimum Payment is calculated by Credit Card Balance Repayment Calculator, based on a general credit card with monthly flat rate of 2.67%, and a monthly repayment of all fees and charges billed to the credit card followed by 1% of the outstanding balance or HKD300 (whichever is higher) over a 371-month repayment period. The average monthly repayment amount is calculated based on the first 6 instalments and is rounded to the nearest integer. The Annualised Percentage Rate (APR) is 35.72%.
To borrow or not to borrow? Borrow only if you can repay!