Personal Revolving Loan

Easy apply in 3 steps

  1. 1

    Apply online

    Start your loan application journey.

  2. 2

    Upload documents

  3. 3

    Cash crediting to your designated account

    Extra cash is instantly available for your withdrawal.

Begin your application here  

Latest offer

As low as 8% p.a. interest rate[1] and first-year annual fee waiver[2]

Up to HKD600,000 or 8 times your monthly salary loan amount[3]and enjoy HKD200 cash rebate[5]

Offer repayment flexibility by repaying monthly minimum repayment[4]

Credit limit is restored every time when payment is made without re-applying

Approved loan amount will be instantly credited into your designated bank account

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

Loan Amount (HKD)

Interest rate per annum (Annualised Percentage Rate)

16.00% (17.24%)

14.00% (14.95%)

10.00% (10.48%)

$200,000 or above

8.00% (8.31%)

The above annualised percentage rates("APR") are calculated according to the standard method set out in the Code of Banking Practice and the applicable annual fee (if any) is not included in the APR calculation. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualised rate. The above annualised percentage rates("APR") are calculated based on the middle value loan amounts of HKD12,500, HKD35,000, HKD125,000 and HKD400,000. The first year annual fee waiver of HKD400 is not included in the APR calculation. Please note that the actual APR applicable may differ, customers can refer to the loan confirmation letter for your actual rate which prevails.

If customers’ applications cannot meet our loan approval requirements, the applications will still be processed on a case-by-case basis, but the rate offered may be adjusted. For details, please contact our staff. Customer will be notified of the relevant adjusted rate upon loan approval. If customers accept such loans, Hang Seng will credit the loan amount to the designated bank accounts of the customers according to normal procedures.


Other point(s) to note

  1. Interest of Revolving Loan Account will be calculated on the basis of actual number of days elapsed and a 365/ 366-day year. 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. For the loan and offer details, interest rates, annualised percentage rates, terms and conditions, please contact Hang Seng's staff or refer to the application form.


  1. The promotion period commences on 1 April 2022 and expires on 30 June 2022, both dates inclusive (the “Promotion Period”). The offers are available to customers who successfully apply for and draw down Hang Seng Personal Revolving Loan within the Promotion Period.
  2. Annual fee of Handy Cash Personal Revolving Loan is HKD400. Customers who successfully apply for the loan can be entitled to a first-year annual fee waiver.
  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. The approval of the loan is subject to Hang Seng Bank Limited's (“Hang Seng”) final decision.
  4. You must pay at least the minimum payment amount due on or before the Payment Due Date as shown on the statement. The minimum payment amount is HKD200 or the sum of items 4.1 to 4.4 below (whichever is higher):
    [4.1] all fees and charges (including finance charges and annual fees);
    [4.2] any overdue minimum payment amount;
    [4.3] amount exceeding the designated credit limit after deducting the amount of items 4.1 and 4.2 from the outstanding balance; and
    [4.4] 1% of the outstanding balance after deducting the amount of items 4.1 to 4.3.
  5. During the promotion period, customers who have successfully applied for Hang Seng Handy Cash Revolving Loan via Hang Seng personal loan page, Hang Seng Personal e-Banking or Hang Seng Personal Banking Mobile App and withdraw with a minimum approved loan amount of HKD50,000 within two weeks after approval and maintain the outstanding balance of customer’s first monthly statement (“the Statement”) at least 30% of the approved loan amount are eligible for HKD200 Cash Rebate. The cash rebate will be credited to customer’s revolving loan account by 30 September 2022 without prior notice. To be eligible for rebate, customers must have no record of default or late payment. If customers close or cancel their loan accounts ahead of rebate date, he/ she shall not be eligible for the rebate.

To borrow or not to borrow? Borrow only if you can repay!