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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 1.85%[1] and repay in fixed monthly instalments for greater financial flexibility.
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.
Apply online
Start your personal loan application journey.
Upload documents
View application status[2]
Personal loan Annualised Percentage Rate as low as 1.85%[1] 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 HKD6,000 cash rebate[5]
Further apply for a top-up on your repaid amount[6] with no documents required[7]
Answer simple questions below and get your loan plan
| 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 Annualised Percentage Rate listed above does not include any fees and charges. The Annualised Percentage Rate ranges from 1.85% 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) | |||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 6-18 months |
24 months |
24 months above |
6months |
12months |
18months |
24months |
30months |
36months |
42months |
48months |
54months |
60months |
||
| $5,000 - $49,999 |
0.50% | $1,716.70 | $883.40 | $605.60 | $466.70 | $383.40 | $327.80 | $288.10 | $258.40 | $235.20 | $216.70 | |||
| 10.71% | 11.46% | 11.66% | 11.71% | 11.70% | 11.66% | 11.61% | 11.54% | 11.48% | 11.40% | |||||
| $50,000 - $99,999 |
$300 | 0.46% | $1,712.70 | $879.40 | $601.60 | $462.70 | $379.40 | $323.80 | $284.10 | $254.40 | $231.20 | $212.70 | ||
| 9.82% | 10.51% | 10.71% | 10.76% | 10.76% | 10.73% | 10.69% | 10.63% | 10.58% | 10.51% | |||||
| $100,000 - $199,999 |
$800 | 0.31% | $1,697.70 | $864.40 | $586.60 | $447.70 | $364.40 | $308.80 | $269.10 | $239.40 | $216.20 | $197.70 | ||
| 6.54% | 7.01% | 7.16% | 7.22% | 7.23% | 7.23% | 7.22% | 7.20% | 7.18% | 7.15% | |||||
| $200,000- $499,999 |
$1,500 | 0.26% | $1,692.70 | $859.40 | $581.60 | $442.70 | $359.40 | $303.80 | $264.10 | $234.40 | $211.20 | $192.70 | ||
| 5.46% | 5.86% | 5.99% | 6.04% | 6.06% | 6.06% | 6.06% | 6.05% | 6.03% | 6.02% | |||||
| $500,000 - $999,999 |
$2,000 | 0.23% | $1,689.70 | $856.40 | $578.60 | $439.70 | $356.40 | $300.80 | $261.10 | $231.40 | $208.20 | $189.70 | ||
| 4.82% | 5.18% | 5.29% | 5.34% | 5.36% | 5.37% | 5.36% | 5.36% | 5.35% | 5.33% | |||||
| $1,000,000 - $1,499,999 |
$2,500 | 0.21% | $1,687.70 | $854.40 | $576.60 | $437.70 | $354.40 | $298.80 | $259.10 | $229.40 | $206.20 | $187.70 | ||
| 4.39% | 4.72% | 4.83% | 4.87% | 4.89% | 4.90% | 4.90% | 4.89% | 4.89% | 4.88% | |||||
| $1,500,000 or above |
$6,000 | 0.18% | 0.08% | 0.18% | $1,684.70 | $851.40 | $573.60 | $424.70 | $351.40 | $295.80 | $256.10 | $226.40 | $203.20 | $184.70 |
| 3.76% | 4.04% | 4.13% | 1.85% | 4.19% | 4.20% | 4.20% | 4.20% | 4.20% | 4.19% | |||||
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!