Personal Revolving Loan

Easy application

  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]

Loan amount of up to HK$600,000 or 8 times your monthly salary[3] and enjoy HKD200 cash rebate[2]

Flexible repayment, you may choose to repay monthly minimum payment[4]

Available credit limit is restored each time you make a repayment. You can redraw the paid up amount without re-applying

Simply withdraw the loan from any ATM 24 hours a day with your Hang Seng Credit Card/Hang Seng Card[5]; or make purchases by EPS[6]

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 calculated based on middle value loan amount)

16.00% (17.24%)

14.00% (14.95%)

10.00% (10.48%)

$200,000 or above

8.00% (8.31%)

  • All Annualised Percentage Rates (“APR”) are calculated based on the requirement of the Code of Banking Practice and the applicable annual fee (if any) is not included in the APR calculation. The APR are reference rate which include the basic interest rate and other fees and charges of a product expressed as an annualised rate.
  • The above 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 and cash rebate are not included in the APR calculation. Please note that the actual APR applicable may differ in accordance with the circumstances of individual cases, customers can refer to the loan approval letter for your actual rate which prevails.
  • Interest will be calculated on the basis of actual number of days elapsed and a 365/366-day year.
  • 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. Customers will be notified of the relevant adjusted rate upon loan approval. If customers accept such loans, Hang Seng Bank Limited (“Hang Seng”) will credit the loan amount to the designated bank accounts of the customers according to normal procedures.



  1. Interest rate of as low as 8% per annum is calculated based on a loan amount of HKD200,000 or above.
  2. For the cash rebate offer and first year annual fee waiver, please refer to the Promotion Terms and Conditions set out at the last section for details.
  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 case.
  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 (a) to (d) below (whichever is higher):
    1. all fees and charges (including finance charges and annual fees)
    2. any overdue minimum payment amount;
    3. amount exceeding the designated credit limit after deducting the amount of items (a) and (b) from the outstanding balance; and
    4. 1% of the outstanding balance after deducting the amount of items (a) to (c).
  5. Customers can choose to use Hang Seng Credit Card to operate the personal revolving loan account (not applicable to Supplementary Card, Corporate Card and Private Label Card) or apply a Hang Seng Card to operate the personal revolving loan account.
  6. You can withdraw up to HKD20,000 a day from any ATM. The limit for transfer and EPS transactions can be up to HKD50,000 a day. Withdrawal fee/transaction fee is 2% of transaction amount or HKD50 (whichever is higher). Withdrawal/transfer at ATMs other than those of Hang Seng/HSBC located in Hong Kong is subject to an additional handling fee of up to HKD31. For the late payment fee and charge, please refer to the “Key Facts Statement (KFS) for Revolving Credit Facility” for details.
  7. The minimum loan amount is HKD5,000.
  8. 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.
  9. For the frequently asked questions relating to Personal Revolving Loan (e.g. Difference between an instalment loan and a revolving loan, etc), please refer to our Bank’s website (Personal Banking Loans Personal Revolving Loan FAQ).

Terms and Conditions apply to the offers and services.

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