Compare Banks Loans Rates and APR 2026
Compare bank loans in Hong Kong with the lowest interest rates. Find out your personalized loan amount, APR, and repayment period.
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We found 25 Personal Loans for you!
【Beat the Rate Hike | November Tax Loan Rewards Worth Up to HK$25,800: NEW Credit Card Double Bonus: Extra HK$1,000 Cash!】 From 1 November to 16 November 2026 (until 09:59) , successfully apply for and draw down a Citi Speedy Cash / Citi Tax Season Loan / Citi Card Debt Consolidation Loan via MoneySmart to enjoy total rewards worth up to HK$25,800!
1️⃣ Application Reward: Apply for a loan amount of HK$200,000 or above with a repayment tenor of 12 months or above, and submit all required loan documents (without cancelling the application/offer), and enjoy either💰 HK$1,000 cash or ✈️ 2 × 3-hour passes to Plaza Premium Lounge (Infinity Zone) at Hong Kong International Airport (worth HK$2,300).
2️⃣ Drawdown Reward: Successfully draw down the designated loan amount on or before 31 December 2026 to enjoy an exclusive MoneySmart Reward (choose from up to HK$17,300 Cash / Apple Store Gift Cards / PARKnSHOP e-Vouchers, or a panoramic drone valued up to HK$9,999), alongside up to HK$3,000 in Citi Drawdown Reward!
3️⃣ Credit Card x Loan Bundle Reward: Apply for both a Citi Loan and a designated Citi Credit Card via MoneySmart within the promotion period, successfully drawdown a loan of HK$200,000 or above (tenor of 12 months or above) on or before 31 Dec 2026 and accumulate HK$4,000 in eligible credit card spending to receive a HK$2,200 supermarket voucher PLUS an extra HK$1,000 cash reward from MoneySmart! Stack with loan drawdown and application rewards to unlock up to HK$25,800 in exclusive total rewards!
Terms and conditions apply.
Valid till 16 Nov 2026
🔥【Upgraded Tax Season Flash Sale! ⚡ Get Up to HK$1,300 in Rewards Regardless of Loan Approval 】Total Rewards Worth Up to HK$28,188!
From 9 November to 30 November 2026, customers successfully apply CNCBI $mart Plus Personal Installment Loan / CNCBI $mart Plus Personal Installment Loan - Debt Consolidation via MoneySmart and submit a complete online application form, can enjoy the following exclusive rewards, regardless of loan approval:
🎁 HK$900 ParknShop e-Voucher / HK$800 cash rebate regardless of approval (automatically converted by 8,000 SmartPoints and will directly deposit into your FPS account), plus
💰 Extra HK$400 Cash Rebate (automatically converted by 4,000 SmartPoints and will directly deposit into your FPS account)
From now until 30 November 2026, successfully apply and drawdown with designated loan amount, can enjoy gift from MoneySmart up to HK$10,000 Apple Store Gift Card / ParknShop e-Voucher / Trip.com e-Vouchers. Plus, enjoy up to HK$16,888 cash rebate from the bank. Total rewards up to HK$28,188!
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Valid till 30 Nov 2026
【Consolidate Your Debts and Reduce Interest Expenses】Total Rewards up to HK$37,300! 🤩
From today until 30 November 2026, apply for the DBS Debt Consolidation Loan via MoneySmart and enjoy:⠀⠀
💰 HK$500 Cash – Regardless of Approval!
⚡ Upon successful loan drawdown, receive up to HK$13,000 vouchers
📈 DBS Coupon: Earn up to HK$23,800 in rewards⠀⠀
✨ Loan Set up Fee waiver
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To borrow or not to borrow? Borrow only if you can repay!
Valid till 30 Nov 2026
【Low-Interest ⚠️ Use Promo Code「NLSMRT」and Get HK$1,300 Regardless of Approval 📈】
From now until 30 November 2026, successfully apply for a WeLab Bank Personal Instalment Loan via MoneySmart with promo code 「NLSMRT」to enjoy exclusive perks:
1️⃣ HK$1,300 cash voucher regardless of approval
2️⃣ APR as low as 1.28%
3️⃣ Total rewards of up to HK$35,848
4️⃣ Free and unlimited access to credit score assessments.
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To borrow or not to borrow? Borrow only if you can repay!
Valid till 30 Nov 2026
Low Interest Real Tax Loan 💯 MoneySmart Exclusive HK$1,500 R****egardless of Approval!
From today until 30 November 2026 (both days inclusive), successfully apply for a Dah Sing Tax Loan via MoneySmart, and submit all required documents (including but not limited to a copy of the Hong Kong ID, proof of address, and proof of income) for loan amount HK$200,000 or above, you can receive HK$1,500 Apple Store Gift Card — regardless of approval. 🍎
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Successfully draw down the designated loan amount and get total rewards up to HK$18,300!
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To borrow or not to borrow? Borrow only if you can repay!
Valid till 30 Nov 2026
MoneySmart promo code「NLSMRT」－ up to $32,688 rewards
💰 HK$800 vouchers regardless of approval
📈 Save up to 97% on interest
✅ Repayment period up to 72 months
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To borrow or not to borrow? Borrow only if you can repay!
Valid till 30 Nov 2026
【Beat the Rate Hike | November Tax Loan Rewards Worth Up to HK$25,800: NEW Credit Card Double Bonus: Extra HK$1,000 Cash!】 From 1 November to 16 November 2026 (until 09:59), successfully apply for and draw down a Citi Speedy Cash / Citi Tax Season Loan / Citi Card Debt Consolidation Loan via MoneySmart to enjoy total rewards worth up to HK$25,800!
1️⃣ Application Reward: Apply for a loan amount of HK$200,000 or above with a repayment tenor of 12 months or above, and submit all required loan documents (without cancelling the application/offer), and enjoy either💰 HK$1,000 cash or ✈️ 2 × 3-hour passes to Plaza Premium Lounge (Infinity Zone) at Hong Kong International Airport (worth HK$2,300).
2️⃣ Drawdown Reward: Successfully draw down the designated loan amount on or before 31 December 2026 to enjoy an exclusive MoneySmart Reward (choose from up to HK$17,300 Cash / Apple Store Gift Cards / PARKnSHOP e-Vouchers, or a panoramic drone valued up to HK$9,999), alongside up to HK$3,000 in Citi Drawdown Reward!
3️⃣ Credit Card x Loan Bundle Reward: Apply for both a Citi Loan and a designated Citi Credit Card via MoneySmart within the promotion period, successfully drawdown a loan of HK$200,000 or above (tenor of 12 months or above) on or before 31 Dec 2026 and accumulate HK$4,000 in eligible credit card spending to receive a HK$2,200 supermarket voucher PLUS an extra HK$1,000 cash reward from MoneySmart! Stack with loan drawdown and application rewards to unlock up to HK$25,800 in exclusive total rewards!
Terms and conditions apply.
Valid till 16 Nov 2026
MoneySmart Exclusive - HK$1,500 Apple Store Gift Card 🍎 regardless of approval!
From 1 November until 30 November 2026 (both days inclusive), successfully apply for a Dah Sing Credit Mastermind Instalment Loan via MoneySmart, and submit all required documents (including but not limited to a copy of the Hong Kong ID, proof of address, and proof of income) for loan amount HK$200,000 or above, you can receive HK$1,500 Apple Store Gift Card — regardless of approval.
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Successfully draw down the designated loan amount and get total rewards up to HK$32,500!
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To borrow or not to borrow? Borrow only if you can repay!
Valid till 30 Nov 2026
【Low-Interest ⚠️ Use Promo Code「NLSMRT」and Get HK$1,300 Regardless of Approval 📈】
From now until 30 November 2026, successfully apply for a WeLab Bank Personal Instalment Loan via MoneySmart with promo code 「NLSMRT」to enjoy exclusive perks:
1️⃣ HK$1,300 cash voucher regardless of approval
2️⃣ APR as low as 1.28%
3️⃣ Total rewards of up to HK$35,848
4️⃣ Free and unlimited access to credit score assessments.
⠀⠀
To borrow or not to borrow? Borrow only if you can repay!
Valid till 30 Nov 2026
【APR as low as 1.38%！】MoneySmart Exclusive - HK$1,500 Apple Store Gift Card 🍎 Regardless of Approval!
From 1 November to 30 November 2026 (both days inclusive), customers who successfully apply for Dah Sing Express Money Instalment Loan via MoneySmart, submit all required documents (including but not limited to a copy of the Hong Kong ID, proof of address, and proof of income), loan amount HK$200,000 or above, can receive HK$1,500 Apple Store Gift Card, regardless of approval.
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Successfully draw down the designated loan amount and get total rewards up to HK$26,500!
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To borrow or not to borrow? Borrow only if you can repay!
Valid till 30 Nov 2026
🔥【Upgraded Tax Season Flash Sale! ⚡ Get Up to HK$1,300 in Rewards Regardless of Loan Approval 】Total Rewards Worth Up to HK$28,188!
From 9 November to 30 November 2026, customers successfully apply CNCBI $mart Plus Personal Installment Loan / CNCBI $mart Plus Personal Installment Loan - Debt Consolidation via MoneySmart and submit a complete online application form, can enjoy the following exclusive rewards, regardless of loan approval:
🎁 HK$900 ParknShop e-Voucher / HK$800 cash rebate regardless of approval (automatically converted by 8,000 SmartPoints and will directly deposit into your FPS account), plus
💰 Extra HK$400 Cash Rebate (automatically converted by 4,000 SmartPoints and will directly deposit into your FPS account)
From now until 30 November 2026, successfully apply and drawdown with designated loan amount, can enjoy gift from MoneySmart up to HK$10,000 Apple Store Gift Card / ParknShop e-Voucher / Trip.com e-Vouchers. Plus, enjoy up to HK$16,888 cash rebate from the bank. Total rewards up to HK$28,188!
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Valid till 30 Nov 2026
【November Exclusive Offer 🎊 Get up to a total of HK$20,600 rewards】
New customers successfully apply via MoneySmart and drawdown DBS Personal Instalment Loan can get up to HK$16,300 rewards + MoneySmart exclusive reward up to extra 43,000 SmartPoints!
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MoneySmart exclusive reward - up to extra 43,000 SmartPoints!
43,000 SmartPoints can fully redeem HK$4,300 cash vouchers or GoPro HERO13 Black Action Camera (Value: HK$3,200) or Apple Watch Series 11 (GPS) - 46mm (Value: HK$3,399). The Rewards Store has more options to choose from!⠀
To borrow or not to borrow? Borrow only if you can repay!
Valid till 30 Nov 2026
【Beat the Rate Hike | November Tax Loan Rewards Worth Up to HK$25,800: NEW Credit Card Double Bonus: Extra HK$1,000 Cash!】 From 1 November to 16 November 2026 (until 09:59), successfully apply for and draw down a Citi Speedy Cash / Citi Tax Season Loan / Citi Card Debt Consolidation Loan via MoneySmart to enjoy total rewards worth up to HK$25,800!
1️⃣ Application Reward: Apply for a loan amount of HK$200,000 or above with a repayment tenor of 12 months or above, and submit all required loan documents (without cancelling the application/offer), and enjoy either💰 HK$1,000 cash or ✈️ 2 × 3-hour passes to Plaza Premium Lounge (Infinity Zone) at Hong Kong International Airport (worth HK$2,300).
2️⃣ Drawdown Reward: Successfully draw down the designated loan amount on or before 31 December 2026 to enjoy an exclusive MoneySmart Reward (choose from up to HK$17,300 Cash / Apple Store Gift Cards / PARKnSHOP e-Vouchers, or a panoramic drone valued up to HK$9,999), alongside up to HK$3,000 in Citi Drawdown Reward!
3️⃣ Credit Card x Loan Bundle Reward: Apply for both a Citi Loan and a designated Citi Credit Card via MoneySmart within the promotion period, successfully drawdown a loan of HK$200,000 or above (tenor of 12 months or above) on or before 31 Dec 2026 and accumulate HK$4,000 in eligible credit card spending to receive a HK$2,200 supermarket voucher PLUS an extra HK$1,000 cash reward from MoneySmart! Stack with loan drawdown and application rewards to unlock up to HK$25,800 in exclusive total rewards!
Terms and conditions apply.
Valid till 16 Nov 2026
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Best Bank Loan Interest Rate
| Bank Loan | APR | Feature |
|---|---|---|
| Citi Speedy Cash | 1.56% | Repayment term up to 60 months |
| DBS Personal Instalment Loan | 4.03% | 2-minute approval |
| BEA Tax Season Loan | 1% | 0% handling fee |
| Standard Chartered Personal Instalment Loan | 1.85% | Enjoy up to HK$8,000 cash rebate |
| WeLend Personal Loan | 1% | No proof of income required |
| PrimeCredit Fixed Loan | 1.18% | 24/7 instant approval and loan disbursement |
Apply For Quick Banks Loan Online
Personal Loans Eligibility
What are bank loans?
Some people prefer loans from banks over money lenders, as banks offer lower interest rates and are more reliable. Citibank, Standard chartered Bank and DBS are all popular bank loan choices in Hong Kong.
Types of Bank Loans in Hong Kong
Banks offer different types of bank loans for different purposes. Below is a summary of the most common bank loans:
Fixed instalment loan
Personal loans can be used for many purposes e.g. settle large expenses in life.
Debt Consolidation Loans
Revolving loan
There is no fixed repayment period or monthly repayment amount while the interest rate is higher than the fixed instalment loan. It is best for paying off credit card debts or extra cash.
Tax loan
The interest rate is lower than that of ordinary personal instalment loans. Applicants can use some of it to pay tax and enjoy extra cash to ease the financial burden.
Bank Loan FAQ
How can I get a quick loan from banks?
- Many banks accept online applications. If you want to get the loan quickly, you can apply for HSBC Personal Instalment Loan characterized by fast approval and cash withdrawal in 1 minute. You can also check out this article on Best quick loans in Hong Kong.
What is the minimum salary to get a personal loan?
- Different banks have different sets of requirements. For example, HSBC Personal Instalment Loan requires applicants to have a monthly income of at least HK$5,000 while Citibank requires loan applicants to have a monthly income of at least HK$6,000.
Is it better to get a loan from a bank?
- Banks usually offer a lower interest rate but it also comes with stricter requirements e.g. require more supporting documents and a good credit score.
What is the disadvantage of a loan?
- The answer depends on your situation. If you have an urgent need for some extra cash and don’t have any assets, but own a credit card, then a personal loan is recommended. This is because withdrawing cash from your credit card is far more expensive than the interest rate of a personal loan. But it is important not to borrow money if you can’t afford it and you must not over-borrow because you may end up spending it unwisely.
AI Summary
- Top bank loans in Hong Kong (such as Citi, DBS, BEA, Standard Chartered, WeLend, and PrimeCredit) offer APRs starting as low as 1%, with features like quick approval, low or zero handling fees, and flexible repayment terms up to 72 months.
- Online applications are widely available; existing account holders may require fewer documents and can get approval in as fast as 1 minute, with same-day fund disbursement.
- Applicants generally must be at least 18 years old and provide identity proof, address proof, and income documents; specific requirements vary by bank.
- Banks provide multiple types of loans, including personal installment, debt consolidation, revolving, and tax loans, tailored for different financial needs.
- Bank loans usually have lower interest rates and stricter approval standards compared to money lenders, making them a more reliable but less flexible option.
Why Choose MoneySmart?
MoneySmart is a trusted one-stop financial and insurance product comparison platform designed to save you time and money.
- Established Brand History: Founded in Singapore in 2009, the MoneySmart Group has evolved into a leading personal finance brand.
- Exclusive Offers from Official Partners: We partner with major banks in Hong Kong (such as Standard Chartered, HSBC, and Citibank), renowned insurance companies (such as Allianz, AXA, Starr, BlueCross and more), and top licensed brokerages to bring you exclusive offers.
- AI-Driven Personalized Recommendations: Through data analysis and smart matching, all users receive financial solutions tailored to their specific goals, rather than one-size-fits-all options.
- Clear Reward Tracking and Redemption Process: Our platform features a standardized reward redemption procedure backed by live customer service support, ensuring eligible users reliably receive their promised rewards.