Get the Best Banks Loans Rates 2019

Updated March 2019

Thinking about getting a banks loans in Hong Kong? MoneySmart.hk lets you compare and choose the best banks loans in Hong Kong with confidence.

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Loan Details

HK$
HK$
Standard Chartered Personal Instalment Loan
Monthly
Payment
HK$4,276

4.94%

APR*

$51,317

Total Amount Payable

$1,317

Total Interest Payable

HK$4,276

Monthly Payment
  • Exclusive Online Offer up to HK$500 Cash Coupon
Key Features
APR as low as 2.96%
Monthly Flat Rate as low as 0.1322%
Exclusive Online Offer up to HKD500 Cash Coupon
Repayment Summary
Principal Loan AmountHK$50,000
Total Interest PayableHK$1,317
Total Amount PayableHK$51,317
Annual Percentage Rate4.94%
Monthly PaymentHK$4,276
Repayment Period12 months
DBS Debt Consolidation Loan
Monthly
Payment
HK$4,187

3.83%

APR*

$50,240

Total Amount Payable

$240

Total Interest Payable

HK$4,187

Monthly Payment
  • Up to HK$3,300 Coupons for applying for Debt Consolidation Loan
Key Features
Up to HK$3,300 Coupons for applying for Debt Consolidation Loan
Loan amount up to 21x monthly salary or HK$2,000,000
Instalment period up to 72 months
1-minute approval
Repayment Summary
Principal Loan AmountHK$50,000
Total Interest PayableHK$240
Total Amount PayableHK$50,240
Annual Percentage Rate3.83%
Monthly PaymentHK$4,187
Repayment Period12 months
BEA "Super Fast" Debt Clearance Plan
Monthly
Payment
HK$4,232

2.91%

APR*

$50,782

Total Amount Payable

$182

Total Interest Payable

HK$4,232

Monthly Payment
  • New Customer Offer up to HK$1,800 Cash Rebate
Key Features
APR as low as 2.91%
Repayment period of up to 60 months
Loan amount of up to 21 times your monthly basic salary (maximum HK$1,200,000)
Successfully apply and submit documents online to get cash rebate of HK$300
Extra cash rebate for new customers of up to HK$1,500
Repayment Summary
Principal Loan AmountHK$50,000
Total Interest PayableHK$182
Handling FeeHK$600
Total Amount PayableHK$50,782
Annual Percentage Rate2.91%
Monthly PaymentHK$4,232
Repayment Period12 months
Citibank Speedy Cash
Monthly
Payment
HK$4,237

3.13%

APR*

$50,840

Total Amount Payable

$840

Total Interest Payable

HK$4,237

Monthly Payment
MoneySmart Exclusive:
Up to HK$2,000 Supermarket Voucher for successful applications!
Key Features
Annualized Percentage Rate as low as 3.13%*
Repayment term up to 60 months
Loan amount up to HK$2,000,000
$0 handling fee
*Calculation based on loan amount of HK$1,500,000 and repayment period of 12 months; The Actual APR may vary for individual customers.
Repayment Summary
Principal Loan AmountHK$50,000
Total Interest PayableHK$840
Total Amount PayableHK$50,840
Annual Percentage Rate3.13%
Monthly PaymentHK$4,237
Repayment Period12 months
Citibank Card Debt Consolidation Loans
Monthly
Payment
HK$4,237

3.13%

APR*

$50,840

Total Amount Payable

$840

Total Interest Payable

HK$4,237

Monthly Payment
MoneySmart Exclusive:
Up to 30% off on total interest payment + Extra Up to HK$2,000 Voucher!
Key Features
Repayment term up to 60 months
Loan amount up to 21X Monthly Salary or HK$1,200,000
$0 handling fee
Up to 30% off on total interest payment
Repayment Summary
Principal Loan AmountHK$50,000
Total Interest PayableHK$840
Total Amount PayableHK$50,840
Annual Percentage Rate3.13%
Monthly PaymentHK$4,237
Repayment Period12 months
DBS Personal Instalment loan
Monthly
Payment
HK$4,237

5.98%

APR*

$50,840

Total Amount Payable

$840

Total Interest Payable

HK$4,237

Monthly Payment
  • Up to HK$800 Coupons for applying for Personal Instalment Loan
Key Features
Up to HK$800 Coupons for applying for personal instalment loan
Monthly flat rate as low as 0.05%
Loan amount up to 12x monthly salary or HK$2,000,000
Anytime redraw your repaid principal
1-minute approval
Repayment Summary
Principal Loan AmountHK$50,000
Total Interest PayableHK$840
Total Amount PayableHK$50,840
Annual Percentage Rate5.98%
Monthly PaymentHK$4,237
Repayment Period12 months
HSBC Personal Instalment Loan
Monthly
Payment
HK$4,252

3.82%

APR*

$51,020

Total Amount Payable

$1,020

Total Interest Payable

HK$4,252

Monthly Payment
Key Features
Preferential monthly flat rate as low as 0.12% (APR as low as 2.70%*)
Apply online to enjoy HK$100 cash rebate
Submit supporting document(s) required by the Bank for the loan application to enjoy HK$100 cash rebate
HK$0 handling fee
Loan amount of up to HK$3,000,000 or 12 times of the monthly salary
Choice of repayment period from 6 months to 60 months
1-minute approval and no income proof is required if you have maintained an auto payroll account with HSBC for one month or above
30-day service pledge – early redemption fees waiver
Cash withdrawal from over 1,000 HSBC's ATMs and branches
*This APR includes cash rebate
Repayment Summary
Principal Loan AmountHK$50,000
Total Interest PayableHK$1,020
Total Amount PayableHK$51,020
Annual Percentage Rate3.82%
Monthly PaymentHK$4,252
Repayment Period12 months
Dah Sing Credit Mastermind Instalment Loan
Monthly
Payment
HK$4,305

16.04%

APR*

$51,661

Total Amount Payable

$1,661

Total Interest Payable

HK$4,305

Monthly Payment
  • Up to HK$3,500 Cash Rebate and Reward for successful new customer online application
Key Features
Monthly flat rate as low as 0.11% (APR 4.72%)#
Loan amount up to HK$1,200,000
Save interest up to 86%
Cash out up to 6 times of monthly income
Dah Sing e-Express Application service, offers instantly approved loan amount
Up to HK$2,500 Cash Rebate
Up to HK$1,000 Cash Reward for successful online application
# The interest rate offer of as low as 0.11% monthly flat rate is only applicable to "Selected Customers". On the assumption of a HK$1,000,000 loan amount, 60-month loan tenor and 0.11% monthly flat rate, 1.1% p.a. loan handling fee, APR including HK$2,500 Cash Rebate is 4.72% (assume the Bank credits the cash rebate at the 4th month after the loan drawdown)
Repayment Summary
Principal Loan AmountHK$50,000
Total Interest PayableHK$1,661
Total Amount PayableHK$51,661
Annual Percentage Rate16.04%
Monthly PaymentHK$4,305
Repayment Period12 months
DreamCash Personal Loan
Monthly
Payment
HK$4,306

6.35%

APR*

$51,670

Total Amount Payable

$1,170

Total Interest Payable

HK$4,306

Monthly Payment
Key Features
Loan Amount up to HK$1,200,000 or 12 times of monthly salary (whichever is lower)*
Flexible repayment tenor up to 60 months
Simple application documents
Instant cash deposit to your designated bank account after approval, you can make efficient cash
Repayment Summary
Principal Loan AmountHK$50,000
Total Interest PayableHK$1,170
Handling FeeHK$500
Total Amount PayableHK$51,670
Annual Percentage Rate6.35%
Monthly PaymentHK$4,306
Repayment Period12 months
Dah Sing Express Money
Monthly
Payment
HK$4,330

7.26%

APR*

$51,962

Total Amount Payable

$1,962

Total Interest Payable

HK$4,330

Monthly Payment
  • Up to HK$3,000 Cash Rebate and Reward for successful online application
Key Features
Annualized Percentage Rate as low as 1.98%#
Loan amount up to HK$1,000,000 or 10X monthly income (whichever is lower)
Repayment tenor up to 60 months
Welcome for new job starters
Anytime re-borrow without re-application of loan account
Dah Sing e-Express Application service, offers instantly approved loan amount
Up to HK$2,500 Cash Rebate
Up to HK$400 Cash Reward for successful online application
# The interest rate offer of as low as 1.98% APR is only applicable to "Selected Customers". On the assumption of a HK$1,000,000 loan amount, 12-month loan tenor and 0.11% monthly flat rate, APR including HK$2,500 Cash Rebate is 1.98% (assume the Bank credits the cash rebate at the 4th month after the loan drawdown)
Repayment Summary
Principal Loan AmountHK$50,000
Total Interest PayableHK$1,962
Total Amount PayableHK$51,962
Annual Percentage Rate7.26%
Monthly PaymentHK$4,330
Repayment Period12 months
Standard Chartered Debt Consolidation Program
Monthly
Payment
HK$4,377

9.60%

APR*

$52,526

Total Amount Payable

$2,526

Total Interest Payable

HK$4,377

Monthly Payment
  • Exclusive Online Offer up to HK$1,000 Cash Coupon
Key Features
Up to 18 times of your monthly salary or HKD2,000,000 (whichever is lower)
Interest saving
Up to 72 months
Repayment Summary
Principal Loan AmountHK$50,000
Total Interest PayableHK$2,526
Total Amount PayableHK$52,526
Annual Percentage Rate9.60%
Monthly PaymentHK$4,377
Repayment Period12 months

The APR includes the basic interest rate, as well as any other fees and charges (i.e.: Handling Fee) so that it reflects the actual total cost of borrowing. The actual APR applicable may differ, please check with the provider to confirm your final APR based on your loan.

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