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 24 Personal Loans for you!
🤑 【Tax Season Pit Stop — Citi Tax Loan Annualised Interest Rate as Low as 1.56% + Early Bird Rewards Worth Up to HK$21,300】
Tax season is here again — let MoneySmart help you make a Pit Stop for smarter cash flow planning! From 18 September (10:00am) to 30 September 2026, customers who successfully apply for and draw down a Citi Speedy Cash / Citi Tax Season Loan / Citi Card Debt Consolidation Loan via MoneySmart can enjoy total rewards worth up to HK$21,300!
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Submit all required loan documents and apply for a loan amount of HK$200,000 or above with a repayment tenor of 12 months or above to receive a HK$800 Cash Reward + HK$200 Apple Store Gift Card!
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✨ 【Upgraded Drawdown Rewards — Choose Up to HK$16,300 Cash / Vouchers, Dyson New Products or a 360° Drone】
New customers who successfully apply from 18 September (10:00am) to 30 September 2026 and successfully draw down the loan on or before 14 October 2026 can choose their favourite MoneySmart-exclusive reward: HK$16,300 Apple Store Gift Card / Parknhop e-Vouchers / HKTVmall e-Vouchers / Cash, or rewards worth up to HK$9,999, including a 360° drone.
Valid till 30 Sep 2026
【MoneySmart Exclusive Extra Offers 🎊】Limited Time Flash Offer ⚡ Total rewards up to HK$32,688!
From now until 30 September 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 earn HK$800 cash rebate regardless of approval (automatically converted by 8,000 SmartPoints and will directly deposit into your FPS account)!
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From now to 30 September 2026, successfully apply and draw down 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. Also can earn up to HK$5,000 extra cash rebate on top of up to HK$16,888 cash rebate from the bank. Total rewards up to HK$32,688!
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To borrow or not to borrow? Borrow only if you can repay!
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Valid till 30 Sep 2026
【Low-Interest ⚠️ Use Promo Code「NLSMRT」and Get HK$1,300 Regardless of Approval 📈】
From now until 30 September 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 1.66%
3️⃣ Total rewards of up to HK$30,848
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 Sep 2026
【APR as low as 1.38%！】MoneySmart Exclusive - HK$1,500 Apple Store Gift Card 🍎 Regardless of Approval!
From 9 September to 30 September 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$28,500!
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To borrow or not to borrow? Borrow only if you can repay!
Valid till 30 Sep 2026
【September Limited-Time Offer】Enjoy Total Rewards of Up to HK$37,300 Including Bank Rewards! 🤩
From 21 September to 30 September 2026, apply for the DBS Debt Consolidation Loan via MoneySmart and enjoy:⠀⠀
💰 Consolidate Your Debts and Reduce Interest Expenses – Manage your finances more efficiently and with greater ease!
⚡ HK$500 Cash – Regardless of Approval! (credited via FPS)
📈 Upon successful loan drawdown, receive up to 130,000 SmartPoints (redeemable for HK$13,000 vouchers)
✨ DBS Coupon: Earn up to HK$23,800 in rewards⠀⠀
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To borrow or not to borrow? Borrow only if you can repay!
Valid till 30 Sep 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 Sep 2026
🤑 【Tax Season Pit Stop — Citi Tax Loan Annualised Interest Rate as Low as 1.56% + Early Bird Rewards Worth Up to HK$21,300】
Tax season is here again — let MoneySmart help you make a Pit Stop for smarter cash flow planning! From 18 September (10:00am) to 30 September 2026, customers who successfully apply for and draw down a Citi Speedy Cash / Citi Tax Season Loan / Citi Card Debt Consolidation Loan via MoneySmart can enjoy total rewards worth up to HK$21,300!
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Submit all required loan documents and apply for a loan amount of HK$200,000 or above with a repayment tenor of 12 months or above to receive a HK$800 Cash Reward + HK$200 Apple Store Gift Card!
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✨ 【Upgraded Drawdown Rewards — Choose Up to HK$16,300 Cash / Vouchers, Dyson New Products or a 360° Drone】
New customers who successfully apply from 18 September (10:00am) to 30 September 2026 and successfully draw down the loan on or before 14 October 2026 can choose their favourite MoneySmart-exclusive reward: HK$16,300 Apple Store Gift Card / ParknShop e-Vouchers / HKTVmall e-Vouchers / Cash, or rewards worth up to HK$9,999, including a 360° drone.
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【📱Phone First, Work Later! HK$100K+ Worth of Prizes Up for Grabs🔥】
From 11 September 2026 (12:00 noon) to 11 October 2026 (11:59 pm), successfully apply for any designated product via MoneySmart and meet the eligibility requirements, you can participate in the "Phone First, Work Later" mini game on the campaign page ⏩ Top 100 Eligible Participants with the highest scores will win prizes worth over HK$100,000 in total, including the latest flagship phone, electronic products, and Apple Store gift cards! Visit the campaign page for details. T&Cs apply.
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To borrow or not to borrow? Borrow only if you can repay!
Valid till 30 Sep 2026
【Low-Interest ⚠️ Use Promo Code「NLSMRT」and Get HK$1,300 Regardless of Approval 📈】
From now until 30 September 2026, successfully apply for a WeLab Bank Personal Instalment Loan via MoneySmart with promo code 「NLSMRT」to enjoy exclusive perks:
1️⃣ APR as low as 1.66%
2️⃣ Submit all required documents and receive HK$1,300 cash voucher regardless of approval
3️⃣ Total rewards of up to HK$30,848
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To borrow or not to borrow? Borrow only if you can repay!
Valid till 30 Sep 2026
【MoneySmart Exclusive Extra Offers 🎊】Limited Time Flash Offer ⚡ Total rewards up to HK$32,688!
From now until 30 September 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 earn HK$800 cash rebate regardless of approval (automatically converted by 8,000 SmartPoints and will directly deposit into your FPS account)!
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From now to 30 September 2026, successfully apply and draw down 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. Also can earn up to HK$5,000 extra cash rebate on top of up to HK$16,888 cash rebate from the bank. Total rewards up to HK$32,688!
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To borrow or not to borrow? Borrow only if you can repay!
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Valid till 30 Sep 2026
MoneySmart Exclusive - HK$1,500 Apple Store Gift Card 🍎 regardless of approval!
From 9 September until 30 September 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$34,500!
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To borrow or not to borrow? Borrow only if you can repay!
Valid till 30 Sep 2026
【September 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!
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To borrow or not to borrow? Borrow only if you can repay!
Valid till 30 Sep 2026
💰 【September Spending Plan — Get HK$800 Cash + HK$200 Apple Store Gift Card + Early Bird Rewards Worth Up to HK$21,300】
After back-to-school expenses, festive planning and daily family spending, September is the perfect time to review your budget and keep your cash flow more flexible. From 18 September (10:00am) to 30 September 2026, customers who successfully apply for and draw down a Citi Speedy Cash / Citi Tax Season Loan / Citi Card Debt Consolidation Loan via MoneySmart can enjoy total rewards worth up to HK$21,300!
⠀⠀
Submit all required loan documents and apply for a loan amount of HK$200,000 or above with a repayment tenor of 12 months or above to receive a HK$800 Cash Reward + HK$200 Apple Store Gift Card!
⠀⠀
✨ 【Upgraded Drawdown Rewards — Choose Up to HK$16,300 Cash / Vouchers, Dyson New Products or a 360° Drone】
New customers who successfully apply from 18 September (10:00am) to 30 September 2026 and successfully draw down the loan on or before 14 October 2026 can choose their favourite MoneySmart-exclusive reward: HK$16,300 Apple Store Gift Card / ParknShop e-Vouchers / HKTVmall e-Vouchers / Cash, or rewards worth up to HK$9,999, including a 360° drone.
Valid till 30 Sep 2026
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【APR as low as 1.33%# 🎁 HK$800 cash rebate upon loan approval💸】
From now until 30 September 2026, customer who successfully applied for CCBA Personal Installment Loan via MoneySmart and get loan approval, can receive HK$800 cash reward regardless of loan size! Draw down designated loan amount and enjoy total incentive up to HK$12,800 cash! 🌟
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Terms and conditions apply.
To borrow or not to borrow? Borrow only if you can repay!
Valid till 30 Sep 2026
【Monthly flat rate as low as 0.22%* 🎁 HK$800 cash rebate upon loan approval, regardless of loan size💸 】
From now until 30 September 2026, customer who successfully applied for CCBA Balance Transfer Program via MoneySmart and get loan approval, can receive HK$800 cash reward regardless of loan size! Draw down designated loan amount and enjoy total incentive up to HK$16,600 cash! 🌟
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⚡You can enjoy handling fee waiver, a monthly flat rate as low as 0.22%*
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Terms and conditions apply.
To borrow or not to borrow? Borrow only if you can repay!
Valid till 30 Sep 2026
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, insurance company, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. 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.
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.