Hang Seng Personal Instalment Loan

Updated September 2019
$211,280Total Amount Payable
$11,280Total Interest Payable

Key features
Key Features
  • Monthly flat rate as low as 0.12% (Annualized Percentage Rate as low as 2.68%)* and handling fee waiver*
  • Payroll Customers do not need to submit documents and enjoy extra up to HKD500 Cash Rebate
  • Loan amount up to HKD2,500,000 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 Amount


Total Interest Payable


Total Amount Payable


Annual Percentage Rate


Monthly Payment


Repayment Period

12 months

Terms and Conditions
Fee & Charges

Late Payment Fee

27% per annum from the date of such instalment default until the date of full repayment of default sum

Early Settlement Fee

(a) next month’s instalment amount (less the portion for repayment of the principal) plus (b) 2% of the outstanding principal, subject to a minimum of HK$300; plus repayment of any applicable promotional offers

Age Requirement

18 years old or above

Residency Status

Permanent Resident of Hong Kong

Employment Status

Full-time employed or self employed

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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Monthly Payment