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    Personal Revolving Loan

    Easy application

    1. 1

      Apply online

      Start your loan application journey.

    2. 2

      Upload documents

      View the required documents.

    3. 3

      Cash crediting to your designated account

      Extra cash is instantly available for your withdrawal.

    Apply now

    Begin your application here  

    Apply now

    Latest offer

    Opportunity to enjoy preferential interest rate 1.88% p.a. for the first 3 months (APR 1.90%)[1] and HKD200 cash rebate[2]

    First-year annual fee waiver[2]

    Loan amount up to HKD600,000 or 8 times your monthly salary (whichever is lower)[3], and credit limit is restored every time when payment is made without re-applying

    Offered repayment flexibility by repaying monthly minimum repayment[4]

    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
    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 -
    Apply now
    View repayment schedule
    Your loan plan

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    The result of the loan calculator is for reference only. The actual repayment liability depends on the actual terms of each borrowing arrangement.

    Title

    Loan amount (HKD)

    Interest rate per annum (Annualised Percentage Rate calculated based on middle value loan amount)

    18.00% (19.58%)

    16.00% (17.24%)

    12.00% (12.69%)

    $200,000 or above

    10.00% (10.48%)

    • 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 fact that customer has not received the preferential annual interest rate and 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 letter of confirmation 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.

    Footnote

    Remark(s)

    1. Preferential interest rate 1.88% p.a. for the first 3 months (APR 1.90%) will be approved subject to credit review result. Hang Seng Bank Limited ("Hang Seng") reserves the right of final approval. Hang Seng will contact customer to confirm the final approval result. For the annual interest rate offer, please refer to the Promotion Terms and Conditions set out at the last section for details.
    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!