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    Top-up Loan

    Overview

    Experience a brand new, simpler process and easier approval for top-up loan application. Apply online to enjoy an exclusive cash rebate of up to HKD2,000[5], with 1-minute approval and instant cash withdrawal[1]!

    No further documentation is needed, giving you more flexibility.

    Apply now

    Begin your application here to enjoy an online exclusive cash rebate of up to HKD2,000

    Apply now
    Learn how to apply via mobile

    Latest offer

    Exclusive for existing personal instalment loan customers

    Apply online to enjoy instant cash withdrawal[1] and an exclusive cash rebate of up to HKD2,000[5]

    Re-borrow repaid loan principal or more[2] with the existing or longer loan tenor[3]

    Enjoy the prevailing interest rate[4] on your existing loan

    0% redraw handling charge

    Enjoy 7-day cooling off period. Interest-free and no handling fee[6]

    Useful Tools

    Edit your loan plan

    Answer simple questions below and get your loan plan

    day(s)
    Your loan plan Result Your instalment plan
    As of HKT
    Monthly repayment amount
    HKD HKD -
    Monthly flat rate
    - %
    Monthly handling fee
    HKD -
    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] Monthly interest paid[7]
    HKD - -
    Interest rate Effective rate (p.a.)
    - %
    Monthly minimum payment amount
    HKD -
    Total interest to be paid[2]
    HKD -
    Annualised interest rate (p.a.)
    -
    Apply now
    View repayment schedule
    Your loan plan

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    • The result of the loan calculator is for reference only. The actual interest rate may be adjusted upon approval on a case-by-case basis, and the repayment liability depends on actual terms.
    • The Annualised Percentage Rate listed above does not include any fees and charges. The Annualised Percentage Rate ranges from 2.91% to 36.00%, with repayment period of 12 to 60 months. The loan application is subject to the Bank’s approval.

    Via Hang Seng Mobile App

    Step 1 / 5
    You may redraw more than the repaid principal amount for your cash needs.

    Other information you need to know

    Need help?

    Talk to us via 24-hour hotline

    (852) 2812 8000

    Chat with H A R O

    Get 24/7 support from our Virtual Assistant.

    Start chat

    Meet us at branches

    Find your nearest branch

    Footnote

    Remark(s)

    1. 1-minute approval and instant disbursement are only available for applications submitted via Hang Seng Mobile App or Personal e-Banking during service hours (Mon to Fri: 9:00a.m. to 8:55p.m.; Sat: 9:00a.m. to 5:55p.m.), applicants must meet credit approval requirements and provide required information (such as a valid Hang Seng account number).
    2. Customers are eligible to apply for a Top-up Loan if a minimum of one instalment is made, the repaid principal amount is over HKD3,000 and a punctual repayment record is maintained. The maximum loan amount is HKD3,000,000. The disbursement of the new loan will deduct the outstanding amount of the existing loan account, next-month interest (applicable to Hang Seng Handy Cash Personal Instalment Loan)/ handling fee (applicable to Hang Seng “Self-fulfilment” Interest-free Loan and Hang Seng “Self-fulfilment” Interest-free Instalment Plan) of the existing loan account (if applicable). The final approved loan amount is subject to the circumstances of individual cases. The decision of Hang Seng shall be final.
    3. The new repayment periods available are 12, 18, 24, 36, 48 or 60 months, but can't be shorter than the repayment period of your existing loan account. For example, if you've previously selected the 30-month repayment period, you can only select 36, 48 or 60 months as your new repayment period.
    4. For a monthly flat interest rate of 0.13%, the annualised percentage rates calculated over a 12-month and 24-month loan tenor are 2.91% and 3.01% respectively; For a monthly flat interest rate of 0.26%, the annualised percentage rates calculated over a 12-month and 24-month loan tenor are 5.86% and 6.04% respectively; For a monthly flat interest rate of 0.41%, the annualised percentage rates calculated over a 12-month and 24-month loan tenor are 9.35% and 9.61% respectively. The above Annualised Percentage Rates (“APRs”) are calculated using Net Present Value Method in accordance with the Code of Banking Practices, it has taken the 0% redraw handling charge into account and does not include cash rebate. The APRs 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 above monthly flat interest rates are for reference only, and will be subject to the loan amount.
    5. For the cash rebate offers and other terms and conditions, please refer to the “Top-up Loan Promotion Terms and Conditions” at the last section for details.
    6. Customers can enjoy cooling off period during 7 calendar days following the drawdown date. Once customer fully settles the outstanding principal of the loan within the cooling-off period, we'll waive the prepayment handling fee (which includes the interest payable and 2% of the outstanding principal). Customer may visit our branch to make a prepayment request.
    7. If your application cannot meet our loan approval requirements, your application will still be processed but interest rate offered may be adjusted. For details, please contact our bank staff. Customer will be notified of the relevant adjusted interest rate upon loan approval. The monthly repayment amount is rounded up to 1 decimal point and will be debited from the repayment account on the due date every month. The proportion of loan principal to interest in each monthly instalment amount is calculated according to the Rule of 78.
    8. Applicant must be in full time employment. Hang Seng reserves the right to request additional documents from individual applicants on a case-by-case basis.
    9. If existing Hang Seng “Self-fulfilment” Interest-free Loan / Hang Seng “Self-Fulfilment” Interest-free Instalment Plan customers apply for Top-up Loan, Hang Seng will close the existing loan account of customers and open a new Handy Cash Personal Instalment Loan account. If customers have any questions, please contact our bank staff.
    10. Application for the Top-up Loan is subject to Hang Seng's approval at its sole discretion. Hang Seng also has full discretion in determining the approved loan amount, repayment period, interest rate, redraw handling charge and other payment in relation to the Top-up Loan without providing reason therefor.
    11. Minimum loan amount is HKD5,000.
    12. 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.
    13. 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).

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