Get the Best Banks Loans Rates 2019

Updated October 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 Debt Consolidation Program
Monthly
Payment
HK$16,859

2.15%

APR*

$202,309

Total Amount Payable

$2,309

Total Interest Payable

HK$16,859

Monthly Payment
  • Exclusive Online Offer up to HK$2,000 Cash Coupon

Key Features

APR as low as 2.15% with 0% handling fee
Monthly flat rate as low as 0.092%
Loan amount: Up to HKD2,000,000 or 18x salary (whichever is lower)
Loan tenure up to 72 months
Up to HK$2,000 Cash Coupon

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$2,309
Total Amount PayableHK$202,309
Annual Percentage Rate2.15%
Monthly PaymentHK$16,859
Repayment Period12 months
Standard Chartered Personal Instalment Loan
Monthly
Payment
HK$16,859

2.15%

APR*

$202,309

Total Amount Payable

$2,309

Total Interest Payable

HK$16,859

Monthly Payment
  • Exclusive Online Offer up to HK$1,000 Cash Coupon

Key Features

APR as low as 2.15% with 0% handling fee
Monthly flat rate as low as 0.092%
Loan amount: Up to HKD2,000,000 or 18x salary (whichever is lower)
Up to HK$1,000 Cash Coupon

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$2,309
Total Amount PayableHK$202,309
Annual Percentage Rate2.15%
Monthly PaymentHK$16,859
Repayment Period12 months
BEA "Super Fast" Debt Clearance Plan
Monthly
Payment
HK$16,927

2.91%

APR*

$203,129

Total Amount Payable

$729

Total Interest Payable

HK$16,927

Monthly Payment

Key Features

APR as low as 2.91%
Repayment period of up to 72 months
Loan amount of up to 21 times your monthly basic salary (maximum HK$1,200,000)
Cash rebate for new customers of up to HK$2,000
Successfully apply and submit documents online to get extra cash rebate of up to HK$300

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$729
Handling FeeHK$2,400
Total Amount PayableHK$203,129
Annual Percentage Rate2.91%
Monthly PaymentHK$16,927
Repayment Period12 months
DBS Debt Consolidation Loan
Monthly
Payment
HK$16,997

3.83%

APR*

$203,960

Total Amount Payable

$960

Total Interest Payable

HK$16,997

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$200,000
Total Interest PayableHK$960
Handling FeeHK$3,000
Total Amount PayableHK$203,960
Annual Percentage Rate3.83%
Monthly PaymentHK$16,997
Repayment Period12 months
DreamCash Personal Loan
Monthly
Payment
HK$17,103

4.86%

APR*

$205,240

Total Amount Payable

$3,240

Total Interest Payable

HK$17,103

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
APR as low as 2.97%
Instant cash deposit to your designated bank account after approval, you can make efficient cash arrangement and have better financial planning

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$3,240
Handling FeeHK$2,000
Total Amount PayableHK$205,240
Annual Percentage Rate4.86%
Monthly PaymentHK$17,103
Repayment Period12 months
BOC express cash instalment loan
Monthly
Payment
HK$17,122

5.13%

APR*

$205,461

Total Amount Payable

$3,961

Total Interest Payable

HK$17,122

Monthly Payment

Key Features

Loan amount up to HKD 2,000,000 or 12 times of the monthly salary (whichever is lower)
e-Channel Application Offer – up to HK$3,000 cash rebate
APR as low as 2.68% (the APR excluding cash rebate is 3.02%)
Lowest salary requirement: Annual salary is HK$48,000 or above
Promotion period: From now till 31 October 2019

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$3,961
Handling FeeHK$1,500
Total Amount PayableHK$205,461
Annual Percentage Rate5.13%
Monthly PaymentHK$17,122
Repayment Period12 months
Hang Seng Personal Instalment Loan
Monthly
Payment
HK$17,127

5.18%

APR*

$205,520

Total Amount Payable

$5,520

Total Interest Payable

HK$17,127

Monthly Payment

Key Features

Monthly flat rate as low as 0.12% (Annualized Percentage Rate as low as 2.68%)* and handling fee waiver*
Up to HKD1,000 Cash Rebate for online or mobile application
Payroll Customers do not need to submit documents and enjoy extra up to HKD500 Cash Rebate
Loan amount up to HKD3,000,000 or 15 times of your monthly salary (whichever is lower), and repayment periods up to 60 months
During repayment period, you can also apply for a Top-up Loan on your repaid principal amount with no documents required
*For a loan amount of HKD1,000,000 or above, the annualized percentage rate of 2.68% is calculated based on a monthly flat rate of 0.12% and a 12-month repayment period, including the full handling charge waiver. The interest rate and the full handling charge waiver are applicable on a case-by-case basis and the final approved interest rate and payable handling charge are subject to the loan amount and credit assessment result.
Above information is for reference only. Please refer to Hang Seng Bank website for the loan details.

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$5,520
Total Amount PayableHK$205,520
Annual Percentage Rate5.18%
Monthly PaymentHK$17,127
Repayment Period12 months
DBS Personal Instalment loan
Monthly
Payment
HK$17,197

5.98%

APR*

$206,360

Total Amount Payable

$3,360

Total Interest Payable

HK$17,197

Monthly Payment

Key Features

Up to HK$800 Coupons for applying for personal instalment loan
Monthly flat rate as low as 0.04%
Loan amount up to 20x monthly salary or HK$2,000,000
Anytime redraw your repaid principal
1-minute approval

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$3,360
Handling FeeHK$3,000
Total Amount PayableHK$206,360
Annual Percentage Rate5.98%
Monthly PaymentHK$17,197
Repayment Period12 months
HSBC Personal Instalment Loan
Monthly
Payment
HK$17,207

6.11%

APR*

$206,480

Total Amount Payable

$6,480

Total Interest Payable

HK$17,207

Monthly Payment

Key Features

Monthly flat rate as low as 0.13% (APR as low as 2.92%)
Online offer of up to HK$500 cash rebate
Document submission offer of HK$100 cash rebate
HK$0 handling fee
Loan amount of up to HK$1,500,000 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

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$6,480
Total Amount PayableHK$206,480
Annual Percentage Rate6.11%
Monthly PaymentHK$17,207
Repayment Period12 months
Hang Seng Debt Consolidation Instalment Loan
Monthly
Payment
HK$17,237

6.44%

APR*

$206,848

Total Amount Payable

$4,848

Total Interest Payable

HK$17,237

Monthly Payment
  • Successfully apply for and draw down the loan to enjoy up to HK$12,500 cash reward + Apply via Mobile or Online to enjoy extra up to HK$500 cash rebate

Key Features

Loan amount of up to 21 times of your monthly salary
Enjoy extra cash up to 8 times of your monthly salary on hand
Repayment periods up to 72 months
Personalised interest rate to save more than 89% of interest expenses
Above information is for reference only. Please refer to Hang Seng Bank website for the loan details.

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$4,848
Handling FeeHK$2,000
Total Amount PayableHK$206,848
Annual Percentage Rate6.44%
Monthly PaymentHK$17,237
Repayment Period12 months
Dah Sing Express Money
Monthly
Payment
HK$17,259

6.41%

APR*

$207,104

Total Amount Payable

$7,104

Total Interest Payable

HK$17,259

Monthly Payment

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-applying for a loan account
Dah Sing e-Express Application service, offers instantly approved loan amount
Up to HK$2,500 Cash Rebate
HK$100 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$200,000
Total Interest PayableHK$7,104
Total Amount PayableHK$207,104
Annual Percentage Rate6.41%
Monthly PaymentHK$17,259
Repayment Period12 months
Citibank Card Debt Consolidation Loans
Monthly
Payment
HK$17,347

7.65%

APR*

$208,160

Total Amount Payable

$8,160

Total Interest Payable

HK$17,347

Monthly Payment

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$200,000
Total Interest PayableHK$8,160
Total Amount PayableHK$208,160
Annual Percentage Rate7.65%
Monthly PaymentHK$17,347
Repayment Period12 months
BOC Express Cash Instalment Loan Balance Transfer
Monthly
Payment
HK$17,483

9.31%

APR*

$209,791

Total Amount Payable

$7,791

Total Interest Payable

HK$17,483

Monthly Payment

Key Features

Loan amount up to HKD 2,000,000 or 21 times of the monthly salary (whichever is lower)
e-Channel Application Offer – up to HK$3000 cash rebate
APR as low as 4.82% (the APR excluding cash rebate is 5.29 %)
Repayment period up to 72 months
Lowest salary requirement: Annual salary is HK$72,000 or above
Promotion period: From now till 31 October 2019

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$7,791
Handling FeeHK$2,000
Total Amount PayableHK$209,791
Annual Percentage Rate9.31%
Monthly PaymentHK$17,483
Repayment Period12 months
Dah Sing Credit Mastermind Instalment Loan
Monthly
Payment
HK$18,063

15.91%

APR*

$216,758

Total Amount Payable

$14,558

Total Interest Payable

HK$18,063

Monthly Payment

Key Features

Monthly flat rate as low as 0.11% (APR 4.70%)#
Loan amount up to HK$1,200,000
Save interest up to 86%
Cash out up to 8 times of monthly income
Dah Sing e-Express Application service, offers instantly approved loan amount
Up to HK$2,888 Cash Rebate
HK$100 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$2,888 Cash Rebate is 4.70% (assume the Bank credits the cash rebate at the 4th month after the loan drawdown)

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$14,558
Handling FeeHK$2,200
Total Amount PayableHK$216,758
Annual Percentage Rate15.91%
Monthly PaymentHK$18,063
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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