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Please read the Privacy Notice, 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 Privacy Notice, 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.
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 result of the loan calculator is for reference only. The actual repayment liability depends on terms of each borrowing arrangement. The calculation of the monthly repayment amount and the APR listed above does not include any fees, charges and cash rebate. The monthly repayment amount is rounded up to 1 decimal point.
| Loan amount | Repayment period |
|---|---|
| 36 months or above | |
| HKD100,000 to HKD199,999 | HKD300 |
| HKD200,000 to HKD299,999 | HKD800 |
| HKD300,000 to HKD499,999 | HKD1,200 |
| HKD500,000 to HKD999,999 | HKD1,800 |
| HKD1,000,000 to HKD1,499,999 | HKD3,800 |
| HKD1,500,000 or above | HKD12,800 |
| Loan amount | Repayment period |
|---|---|
| 36 months or above | |
| HKD100,000 to HKD199,999 | HKD200 |
| HKD200,000 to HKD299,999 | HKD500 |
| HKD300,000 to HKD499,999 | HKD800 |
| HKD500,000 to HKD999,999 | HKD1,200 |
| HKD1,000,000 to HKD1,499,999 | HKD2,200 |
| HKD1,500,000 or above | HKD6,800 |
Monthly flat rate allows you to easily calculate the interest amount for a loan, as illustrated below:
Interest = (Loan amount + Handling fee) x Monthly flat rate x Tenor
APR is calculated using the Net Present Value Method according to the Code of Banking Practice. It includes basic interest rate, other fees and charges of a product expressed as an annualised rate to provide you a fair useful way to compare the interest rates and charges of banking products.
Before applying for a loan, you don't need to open a Hang Seng bank account. If you are a new customer, you can open an account for disbursement and repayment via Hang Seng Mobile App or at any of our branches after loan approval.
Early repayment incurs an additional handling fee and next month’s interest amount. You can compare the fee with the amount of outstanding interest to decide whether to make an early repayment or not. Please call (852) 2997 3882 to check the fees and interest. If you make an early repayment at our branch within the cooling-off period (7 calendar days after loan withdrawal), the early repayment fee will be waived.
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Terms and Conditions apply to the offers and services.
To borrow or not to borrow? Borrow only if you can repay!
