Personal Instalment Loan Limited-time Online Offer

Overview

Speedy Approval[1] 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 2.46%[2] and repay in fixed monthly instalments for greater financial flexibility.

Begin your application here  

Easy application

  1. 1

    Apply online

    Start your personal loan application journey.

  2. 2

    Upload documents

  3. 3

    View application status[3]

Latest offer

Personal loan Annualised Percentage Rate as low as 2.46%[2] and 0% handling fee

Apply online with promotion code “HY7Q” and drawdown with a loan with a minimum of HKD100,000 and 36 months or above by 24 March 2024 to enjoy up to HKD2,000 extra cash rebate[6]

Up to HKD6,000 cash rebate[6]

Loan amount up to HKD3,000,000 or 24 times of your monthly salary[4], and up to 60 months of repayment period[5]

Further apply for a top-up on your repaid amount[7] with no documents required[8]

Personal instalment 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
HKD -
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 -)
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 -
Your loan plan
  • 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.
  • The Annualised Percentage Rate listed above does not include any fees and charges. The Annualised Percentage Rate ranges from 2.28% to 36.00%, with repayment period of 6 to 60 months. The loan application is subject to the Bank’s approval.
  • For a loan amount of HKD100,000 with 12 months repayment period, the monthly flat rate applicable is 0.31%  (APR 7.01%), and the total loan repayment amount is HKD103,720.80 (0% handling fee). The above example is for reference only.
Title
Loan amount (HKD) Maximum cash rebate (HKD) [6]   Monthly flat rate    Monthly repayment amount (HKD) - Based on every HKD10,000 loan amount (APR)
24-30
months
36
months or above
6-12
months
18
months or above
6 months 12 months 18 months 24 months 30 months 36 months 42 months 48 months 54 months 60 months
$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 $800 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
$300 $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
$500 $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
$500 $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
$500 $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 $500 $6,000 0.11% 0.18% $1,677.70 $844.40 $573.60 $434.70 $351.40 $295.80 $256.10 $226.40 $203.20 $184.70
2.28% 2.46% 4.13% 4.17% 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.

Footnote

Remark(s)

  1. Only applicable to application submitted through logging on Hang Seng Personal e-Banking or Personal Banking mobile app during designated service hours (Monday to Friday: 9:00 am – 8:30 pm, Saturday: 9:00 am – 5:30 pm, Sunday and public holidays: 12:00 nn – 8:30 pm). Processing time may vary depending on the actual circumstances of individual applications.
  2. For a loan amount of HKD1,500,000 or above, the Annualised Percentage Rate of 2.46% is calculated based on a monthly flat rate of 0.11% and a 12-month repayment period, including 0% handling fee. 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).
  3. Checking application status anytime is available to Hang Seng Handy Cash Personal Instalment Loan customers (excluding Top-up Loan and Debt Consolidation Instalment Loan) only. Customers can check the application status via Hang Seng Personal e-Banking. The display of application status is within 45 calendar days from the Application Date, which refers to the application date reflected in the system record of Hang Seng Bank Limited (“Hang Seng”).
  4. 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.
  5. Customers can choose for a 6, 12, 18, 24, 30, 36, 42, 48, 54 or 60 months repayment period.
  6. For the cash rebate offers and other terms and conditions, please refer to the “Personal Instalment Loan Promotion Terms and Conditions” at the last section for details.
  7. Customers may apply for a Top-up Loan on the repaid principal amount if a minimum of one instalment is made, the repaid principal amount is over HKD3,000 and a punctual repayment record is maintained. For the detailed terms and conditions, please refer to the relevant application form.
  8. Hang Seng reserves the right to request additional documents from individual applicants on a case-by-case basis.
  9. Minimum loan amount is HKD5,000.
  10. The final approved loan proceeds will be credited into your designated Hang Seng Bank account directly and without further notice under the following circumstances: (i) if the final approved loan amount, repayment period and interest rate (collectively, the “loan terms”) are the same as those indicated in your application via any of the available application channels (the applicable interest rate is based on the customer type and the requested loan amount set out in the respective interest rate table); or (ii) if the final approved loan terms are the same as your selected/accepted proposal under the preliminary approval result during your online application via our Personal e-Banking or Personal Banking Mobile App. Otherwise, Hang Seng will contact you for follow-up discussion.
    You will receive SMS notification from Hang Seng on the day of loan drawdown and you may also refer to the drawdown letter for details of the loan.
  11. 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.
  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).

Terms and Conditions apply to the offers and services.
To borrow or not to borrow? Borrow only if you can repay!