Compare Personal Loans Rates and APRs 2020

Compare personal loans in Hong Kong. Pick the best APR and apply through MoneySmart to get exclusive offers and cashback now! read more
Borrowing HK$100,000 personal loan for over 12 Months months
HK$
HK$
More Personal Loans Options 
We found 25 Personal Loans for you!
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Citibank logo
Monthly PaymentMonthly Payment

HK$8,423

APR*
2.01%
Total Amount Payable
HK$101,080
Total Interest Payable
HK$1,080
Monthly Payment
HK$8,423
Apply Now
WeLend logo
Monthly PaymentMonthly Payment

HK$8,373

MoneySmart Exclusive
APR*
2.79%
Total Amount Payable
HK$100,480
Total Interest Payable
HK$480
Monthly Payment
HK$8,373
Apply Now
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DBS logo
Monthly PaymentMonthly Payment

HK$8,499

MoneySmart Exclusive
APR*
3.83%
Total Amount Payable
HK$100,480
Total Interest Payable
HK$487.20
Monthly Payment
HK$8,499
Apply Now
MoneySmart Exclusive: Up to HK$4,500 Coupons for applying for Debt Consolidation Loan Valid till 30 Apr 2020.
PrimeCredit logo
Monthly PaymentMonthly Payment

HK$8,433

MoneySmart Exclusive
APR*
2.38%
Total Amount Payable
HK$101,200
Total Interest Payable
HK$1,200
Monthly Payment
HK$8,433
Apply Now
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PrimeCredit logo
Monthly PaymentMonthly Payment

HK$8,533

MoneySmart Exclusive
APR*
4.64%
Total Amount Payable
HK$102,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,533
Apply Now
MoneySmart Exclusive: up to $8,000 cash bonus + exclusive $1,000 supermarket coupon for successful applications via MoneySmart Valid till 30 Apr 2020.
PrimeCredit logo
Monthly PaymentMonthly Payment

HK$8,533

MoneySmart Exclusive
APR*
4.64%
Total Amount Payable
HK$102,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,533
Apply Now
MoneySmart Exclusive: up to $8,000 cash bonus + exclusive $500 octopus for successful applications via MoneySmart Valid till 30 Apr 2020.
PrimeCredit logo
Monthly PaymentMonthly Payment

HK$8,533

MoneySmart Exclusive
APR*
4.64%
Total Amount Payable
HK$102,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,533
Apply Now
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Promise logo
Monthly PaymentMonthly Payment

HK$8,533

MoneySmart Exclusive
APR*
4.49%
Total Amount Payable
HK$102,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,533
Apply Now
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AEON Credit Service logo
Monthly PaymentMonthly Payment

HK$8,533

APR*
4.48%
Total Amount Payable
HK$102,400
Total Interest Payable
HK$2,400
Monthly Payment
HK$8,533
Apply Now
Bank of China logo
Monthly PaymentMonthly Payment

HK$8,577

APR*
5.5%
Total Amount Payable
HK$102,158.80
Total Interest Payable
HK$2,174.99
Monthly Payment
HK$8,577
Apply Now
Standard Chartered logo
Monthly PaymentMonthly Payment

HK$8,553

APR*
4.94%
Total Amount Payable
HK$102,634
Total Interest Payable
HK$2,634
Monthly Payment
HK$8,553
Apply Now
UA Finance logo
Monthly PaymentMonthly Payment

HK$8,603

APR*
6.18%
Total Amount Payable
HK$103,240
Total Interest Payable
HK$3,240
Monthly Payment
HK$8,603
Apply Now
UA Finance logo
Monthly PaymentMonthly Payment

HK$8,603

APR*
6.18%
Total Amount Payable
HK$103,240
Total Interest Payable
HK$3,240
Monthly Payment
HK$8,603
Apply Now
Hang Seng Bank logo
Monthly PaymentMonthly Payment

HK$8,593

APR*
5.86%
Total Amount Payable
HK$103,120
Total Interest Payable
HK$3,120
Monthly Payment
HK$8,593
Apply Now
HSBC logo
Monthly PaymentMonthly Payment

HK$8,633

APR*
6.8%
Total Amount Payable
HK$103,600
Total Interest Payable
HK$3,600
Monthly Payment
HK$8,633
Apply Now
Citibank logo
Monthly PaymentMonthly Payment

HK$8,673

APR*
7.65%
Total Amount Payable
HK$104,080
Total Interest Payable
HK$4,080
Monthly Payment
HK$8,673
Apply Now
Dah Sing Bank logo
Monthly PaymentMonthly Payment

HK$8,660

APR*
7.26%
Total Amount Payable
HK$103,924
Total Interest Payable
HK$3,924
Monthly Payment
HK$8,660
Apply Now
Dah Sing Bank logo
Monthly PaymentMonthly Payment

HK$9,032

APR*
16.04%
Total Amount Payable
HK$107,200
Total Interest Payable
HK$7,279.20
Monthly Payment
HK$9,032
Apply Now
Standard Chartered logo
Monthly PaymentMonthly Payment

HK$8,754

APR*
9.6%
Total Amount Payable
HK$105,052
Total Interest Payable
HK$5,052
Monthly Payment
HK$8,754
Apply NowApply directly on MoneySmart
DBS logo
Monthly PaymentMonthly Payment

HK$8,523

MoneySmart Exclusive
APR*
6.48%
Total Amount Payable
HK$102,280
Total Interest Payable
HK$2,280
Monthly Payment
HK$8,523
Apply Now
MoneySmart Exclusive: Up to HK$2,200 Coupons for applying for Personal Instalment Loan Valid till 30 Apr 2020.
BEA logo
Monthly PaymentMonthly Payment

HK$8,543

APR*
4.72%
Total Amount Payable
HK$102,520
Total Interest Payable
HK$2,520
Monthly Payment
HK$8,543
Apply Now
WeLend logo
Monthly PaymentMonthly Payment

HK$8,443

APR*
4.39%
Total Amount Payable
HK$101,320
Total Interest Payable
HK$1,320
Monthly Payment
HK$8,443
Apply Now
Bank of China logo
Monthly PaymentMonthly Payment

HK$8,900

APR*
13.07%
Total Amount Payable
HK$105,745.60
Total Interest Payable
HK$5,803.06
Monthly Payment
HK$8,900
Apply Now
Fubon Bank logo
Monthly PaymentMonthly Payment

HK$8,532

APR*
6.44%
Total Amount Payable
HK$102,388
Total Interest Payable
HK$2,388
Monthly Payment
HK$8,532
Apply Now
China Construction Bank logo
Monthly PaymentMonthly Payment

HK$8,593

APR*
5.86%
Total Amount Payable
HK$103,120
Total Interest Payable
HK$3,120
Monthly Payment
HK$8,593
Apply Now

Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Compare Personal Instalment Loans

Bank / Lending CompaniesLoan Plans Max. Loan Amount
CitibankCiti Tax Season LoanHK$2,000,000 or 12x monthly salary
Dah SingDah Sing Express MoneyHK$1,000,000 or 10x monthly salary
Bank of CommunicationsDreamCash Personal LoanHK$1,200,000 or 12x monthly salary
PromisePromise Easy LoanHK$600,000
PrimeCreditPrimeCredit Fixed LoanHK$600,000 or 18x monthly salary
UA FinanceReal 0% Interest i-Money Internet Personal LoanHK$100,000
AEONAEON Flexi LoanHK$800,000 or 8x monthly salary
Hang SengHang Seng Personal Instalment LoanHK$2,500,000 or 15x monthly salary
DBSDBS Debt Consolidation LoanHK$2,000,000 or 21x monthly salary

How to choose the best personal loan?

Comparing loan plans are not only about interest rates but the total costs of your loan, such as the total amount, repayment period, and handling fee. Whether it is a personal instalment loan, debt consolidation loan or revolving loan, they are expenses to your finances.

Personal Loan Hong Kong Reviews 2020

Which Bank or Lending Company provides the best personal loan in Hong Kong?

Payback your credit card debt or improve your cash flow by applying for personal loans. Read our latest Personal Loan Reviews and find the best personal loan to suit your financial needs.

Tips for Getting Personal Loans

Tip #1Annual Percentage Rate (APR) is the key to compare loans

APR reflects the actual expenses of your loans which includes interest rate, admin fees, handling fees etc. You may hear of Monthly Flat Rate which is only a calculation based on the repayment amount and not describing the actual repayment situation.

Tip #2Personal loans serve different purposes

Loans help you to reduce money stress and get motivated to take control of your finances. For example, fixed instalment loans serve scaled expenses, balance transfer loans ease high-interest debts, revolving loans give extra flexibility of cash flow in a foreseeable future.

Tip #3Loan amounts are varied

Unsecured loans have no collateral backing. Banks and lenders issue loan amount which is about 12 to 21 months of borrow’s salary, and is based on their creditworthiness and promise of repayment.

Why do we need personal loans?

Ease your cash flow concern

Banks and private money lenders offer loan plans with longer repayment, some of them even extend to 72 months. So now you are able to manage cash flow with higher flexibility.

Flexible application process

As long as you’re 18+ and earning HK$5,000+/month, you’re welcomed to apply for personal loans. Bring your identity card, residential address proof, bank statement, and salary slip and you’re good to go!

Frequently Asked Questions

Am I qualified for personal loan application?

If you’re above 18 and earning HK$5,000+/month, you’re welcomed to apply for loans. Simply bring your identity card, residential address proof, bank statement, and salary slip, and you’re good to go!

Where can I get a personal loan?

Banks and money lenders offer in-person or online loan applications.

How long can my personal loan repayment period be?

Normally, it’s 3 to 72 months. Banks and lenders will set you a fixed monthly repayment amount. The longer the repayment period, the lower the repayment amount, and the higher the interest rate.

Do personal loans have an extra handling fee?

Yes and no. Some banks will calculate your handling fee yearly. If you’re getting a revolving loan, the bank may charge you extra withdrawal fees.

What do I need to prepare for my personal loan application?

You’ll need these are the documents for your personal loan:
  • Photocopy of your HKID card (both sides);
  • Residential address proof (e.g. electricity bill, demand notes for rates);
  • Salary proof of the latest month (e.g. salary proof, bank statement).
If you’re self-employed, you may need to submit a full set of the latest Profits Tax Demand Note.