Handy Cash Personal Instalment Loan

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  1. 1

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  2. 2

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  3. 3

    Accept loan offer

    View application status[1] and accept your offer with same day cash disbursement[2].

Begin your application here  

Latest offer

Annualised Percentage Rate as low as 1.78%[3] and full handling fee waiver[4]

Loan amount up to HKD3,000,000 or 15 times of your monthly salary[5], and up to 60 months of repayment period[6]

Up to HKD3,000 cash rebate[7]

Further apply for a top-up on your repaid amount[8] with no documents required[9]

Personal instalment loan rate and monthly repayment amount

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Answer simple questions below and get your loan plan

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

The Annualised Percentage Rate listed above does not include any fees and charges.

Title

Loan amount (HKD)

Maximum cash rebate (HKD)[7]

Monthly flat rate

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

24 months above

The minimum loan amount is HKD5,000.

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 full handling charge 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.

The interest rate listed above and the full handling charge waiver are applicable to designated loan amount and are for reference only. The final approved interest rate and payable handling charge are subject to the loan amount and credit assessment result.

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 and handling charge offered may be adjusted. For details, please contact Hang Seng's staff. Customers will be notified of the relevant adjusted interest rate and handling charge upon loan approval. If customer agrees to accept such loan, Hang Seng will credit the loan amount to the designated bank account according to normal procedures.

The annualised percentage rate ranges from 1.78% to 48.00%, with repayment period of 6 to 60 months. The loan application is subject to the Bank’s approval. For a loan amount of HKD100,000 with 12 months repayment period, the monthly flat rate applicable to Prestige Banking customers is 0.22% (APR 4.95%), and the total loan repayment amount is HKD102,640.80 (including full handling fee waiver). The above example is for reference only.

Footnote

Other point(s) to note

  1. The promotion period commences on 1 January 2022 and expires on 24 February 2022, both dates inclusive (“the Promotion Period”). The offers are available to customers who successfully apply for and draw down Hang Seng Handy Cash Personal Instalment Loan within the Promotion Period.
  2. 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). For loan and offer details, interest rates, handling charges, annualised percentage rates, terms and conditions, please contact Hang Seng staff or refer to the application form. 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.
  3. 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
  4. 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).
  5. The Annualised Percentage Rate (“APR”) ranges from 1.78% to 48.00%, with repayment period of 6 to 60 months. The loan application is subject to the Bank’s approval.   

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.
  3. For a loan amount of HKD1,000,000 or above, the annualized percentage rate of 1.78% is calculated based on a monthly flat rate of 0.08% and a 12-month repayment period, including the full handling charge waiver. The interest rate and the full handling charge waiver are applicable on a case-by-case basis and the final approved interest rate and payable handling charge are subject to the loan amount and credit assessment result.
  4. Handling charge waiver is applicable to designated loan amount and is for reference only. The final payable handling charge is subject to the loan amount and credit assessment result.
  5. 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.
  6. Customers can choose for a 6, 12, 18, 24, 30, 36, 42, 48, 54 or 60 months repayment period.
  7. [7.1] During the Promotion Period, customers who have successfully applied for Hang Seng Handy Cash Personal Instalment Loan (excluding Top-up Loan) via Hang Seng Personal Loan page, Hang Seng Personal e-Banking or Hang Seng Mobile Application and drawn down the loan with a designated drawdown amount and a minimum repayment period of 24 months will be entitled to up to HKD2,000 Cash Rebate. Provided that the repayment period is 24 months or above, customers are entitled to a HKD200 cash rebate for a drawdown amount of HKD80,000 to less than HKD200,000, or a HKD500 cash rebate for a drawdown amount of  HKD200,000 to less than HKD500,000, or a HKD1,000 cash rebate for a drawdown amount of  HKD500,000 to less than HKD1,000,000, or a HKD2,000 cash rebate for an drawdown amount of HKD1,000,000 or above.
    [7.2] During the Promotion Period, existing Hang Seng Payroll Service Customers who have successfully applied for Hang Seng Handy Cash Personal Instalment Loan (excluding Top up loan) and drawn down a designated drawdown amount and a minimum repayment period of 24 months will be entitled to up to HKD1,000 Cash Rebate if there are payroll transactions of not less than HKD6,000 each in any two months within the preceding three months as of the month of Cash Rebate in their designated Hang Seng Integrated Account including a sole-named or joint-named Prestige Banking, Preferred Banking, Green Banking or Integrated Account while the payroll amount must be directly credited to the aforesaid designated Hang Seng Integrated Account by the employer through the Payroll Service. Provided that the repayment period is 24 months or above, customers are entitled to a HKD200 cash rebate for a drawdown amount of  HKD200,000 to less than HKD500,000, or a HKD500 cash rebate for a drawdown amount of  HKD500,000 to less than HKD1,000,000, or a HKD1,000 cash rebate for an drawdown amount of HKD1,000,000 or above.
    All the applicable Cash Rebate will be credited to customer’s repayment account by 30 June 2022 without prior notice. Customers must have no record of default or early settlement of their instalment loan before the rebate is credited. If customers settle their instalment loans ahead of schedule after the crediting of the rebate, he/ she shall return the rebate in full to Hang Seng upon settlement of the loan. Each eligible customer could enjoy each offer once only in the Promotion Period.
  8. 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.
  9. Hang Seng reserves the right to request additional documents from individual applicants on a case-by-case basis.

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