Handy Cash Personal Instalment Loan


Realise your dream at a low interest rate with Hang Seng Personal Instalment Loan.

Whenever you need cash in your different life moments, we are always here with you. Apply for personal loan online and get cash with ease.

Enjoy Annualised Percentage Rate as low as 1.78%[2] and repay in fixed monthly instalments for greater financial flexibility.

Begin your application here  

Easy application

  1. 1

    Apply online

    Start your personal loan application journey.

  2. 2

    Upload documents

  3. 3

    View application status[1]

Latest offer

Personal loan Annualised Percentage Rate as low as 1.78%[2] and 0% handling fee

Loan amount up to HKD3,000,000 or 24 times of your monthly salary[3], and up to 60 months of repayment period[4]

Up to HKD3,000 cash rebate[5]

Further apply for a top-up on your repaid amount[6] with no documents required[7]

Personal instalment loan rate and monthly repayment amount

Edit your loan plan

Answer simple questions below and get your loan plan

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]
Interest rate Effective rate (p.a.)
- %
Monthly minimum payment amount
Your loan plan

The Annualised Percentage Rate listed above does not include any fees and charges. The Annualised Percentage Rate ranges from 1.66% to 36.00%, with repayment period of 6 to 60 months. The loan application is subject to the Bank’s approval.


Loan amount (HKD)

Maximum cash rebate (HKD)[5]

Monthly flat rate

Monthly repayment amount (HKD) - Based on every HKD10,000 loan amount (APR)

24 months above

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.



  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. For a loan amount of HKD1,500,000 or above, the Annualised Percentage Rate of 1.78% is calculated based on a monthly flat rate of 0.08% and a 12-month repayment period, including 0% handling fee. 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).
  3. The final approved loan amount, which is calculated by way of monthly salary multiple, is subject to change in accordance with the circumstances of individual cases.
  4. Customers can choose for a 6, 12, 18, 24, 30, 36, 42, 48, 54 or 60 months repayment period.
  5. For the cash rebate offers and other terms and conditions, please refer to the “Personal Instalment Loan Promotion Terms and Conditions” at the last section for details.
  6. Customers may apply for a Top-up Loan on the repaid principal amount if a minimum of one instalment is made, the repaid principal amount is over HKD3,000 and a punctual repayment record is maintained. For the detailed terms and conditions, please refer to the relevant application form.
  7. Hang Seng reserves the right to request additional documents from individual applicants on a case-by-case basis.
  8. Minimum loan amount is HKD5,000.
  9. The final approved loan proceeds will be credited into your designated Hang Seng Bank account set out in the application form if the final approved loan amount, repayment period and interest rate are the same as your application. You will be notified through SMS on the same day of loan disbursement. Please refer to the drawdown letter setting out the loan details. Hang Seng will contact you if the final approval result is different from your application.
  10. The salary scheme of our representatives (included basic salary and incentive) is based on their performance of various aspects and not only the sales target achieved.
  11. Customer is advised to pay attention on whether interest expenses would be saved by making early repayment of personal instalment loan. For enquiring the relevant fees and charges of loan account, please call our Personal Loan Service Hotline (852) 2997 3882.
  12. For the frequently asked questions relating to Personal Instalment Loan (e.g. Important notes of early repayment; the basis of apportionment of principal and interest in the monthly repayment, etc), please refer to our Bank’s website (Personal Banking Loans Personal Instalment Loan FAQ).

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