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 23 Personal Loans for you!
🤑【Last Summer Flash Offer — Get HK$800 Cash upon Application! 】
Catch the final wave of summer rewards! From 15 August to 31 August 2026, customers who successfully apply for Citi Speedy Cash / Citi Card Debt Consolidation Loan and submit required documents, and borrow HK$200,000 or above with a repayment tenor of 12 months or above to receive HK$800 Cash (converted from 8,000 SmartPoints)💰Enjoy total rewards worth up to HK$23,000, including the loan drawdown reward!
✨【Limited-Time Drawdown Reward Upgrade — Choose Up to HK$14,200 Vouchers or HK$12,700 Cash】
From 15 August to 31 August 2026, New customers who successfully apply and draw down on or before 14 September 2026 , are eligible for MoneySmart exclusive gifts🎁 Pick your favourite: HK$14,200 Apple Store Gift Card / PARKnSHOP supermarket vouchers / Trip.com e-Vouchers / 🤑 HK$12,700 Cash!
Valid till 31 Aug 2026
【MoneySmart Exclusive 🎊】Limited Time Flash Offer ⚡ Total rewards up to HK$18,688!
From now until 31 August 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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During 1-31 August 2026, successfully apply and draw down with designated loan amount, can enjoy gift from MoneySmart up to HK$4,000 Apple Store Gift Card / Parknshop e-Voucher / Trip.com e-Vouchers. Also can earn extra Cash Rebate up to HK$13,888 from the bank! Total rewards up to HK$18,688!
Valid till 31 Aug 2026
9-Day Limited Deal ⚡ Total Rewards Up to HK$45,800【💰Lower Your Interest - Smarter Debt Management Starts Here! 】
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1️⃣ Get extra HK$500 cash 💰regardless of approval
From now until 16 August 2026, customers who successfully applied for a designated loan via MoneySmart and submit the required documents can enjoy HK$500 cash (automatically converted by 5,000 SmartPoints) directly deposited into your FPS account - regardless of approval!
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2️⃣ 215,000 SmartPoints can fully redeem HK$21,500 cash vouchers or iPhone 17 Pro Max 512GB (value: HK$11,899) or Apple Macbook Pro 14" M4 Chip (value: HK$12,999)! The Reward Store has more options to choose from! ✨
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2️⃣ Including up to HK$23,800 in DBS coupon, enjoy total rewards worth up to HK$45,800 🎉
Valid till 16 Aug 2026
【Low-Interest ⚠️ Use Promo Code「NLSMRT」and Get HK$1,300 Regardless of Approval 📈】
From now until 31 August 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 0.65%
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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🧡 No need to borrow up to HK$500,000, loans of HK$283,000 or more can enjoy as low as 0.65% APR!
Valid till 31 Aug 2026
【APR as low as 1.38%！】MoneySmart Exclusive - HK$1,000 Apple Store Gift Card 🍎 regardless of approval!
From 1 August until 31 August 2026, apply for a Dah Sing Express Money Instalment Loan via MoneySmart, by successfully applying and submitting all required documents (including but not limited to a copy of the Hong Kong ID, proof of address, and proof of income), with loan amount HK$200,000 or above, you can receive HK$1,000 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$26,000!
Valid till 31 Aug 2026
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【APR as low as 1.33%# 🎁 MoneySmart Exclusive Total Rewards Up to HK$15,500】
From now until 31 August 2026, customer who successfully applied for CCBA Personal Installment Loan via MoneySmart and draw down designated loan size, can enjoy exclusive gift up to HK$5,000 Parknshop e-Voucher / HKTVmall e-Gift Voucher / Trip.com e-voucher (fulfilled by MoneySmart), and draw down loan amount HK$200,000 or above to get up to HK$10,500 Cash Rebate from the bank upon successful application! Total rewards up to HK$15,500! 🌟
Valid till 31 Aug 2026
【🎁 August Special Offer－ up to $32,988 rewards with New Macbook Air 🥳 】
From 1 August until 31 August 2026, apply for WeLab Bank Card Debt Consolidation Loan via MoneySmart using promo code 「NLSMRT」to earn up to HK$32,988 Rewards!
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Apply and submit all the required documents to get up to 11,000 SmartPoints and fully redeem HK$1,100 vouchers (over 20+ brand vouchers including Apple / HKTVmall / Klook etc) from our Rewards Store. But thats not all! Successfully apply and drawdown a loan to earn cash rebate up to HK$23,888 offered by WeLab Bank and MoneySmart exclusive reward -Apple 13-inch Macbook Air M4 Chip (8-core GPU, 16GB, 256SSD) (value: HK$7,999)!
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Save up to 97% on interest and clear all your credit card debt with a new perspective!
Valid till 31 Aug 2026
【MoneySmart Exclusive 🎊】Limited Time Flash Offer ⚡ Total rewards up to HK$18,688!
From now until 31 August 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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During 1-31 August 2026, successfully apply and draw down with designated loan amount, can enjoy gift from MoneySmart up to HK$4,000 Apple Store Gift Card / Parknshop e-Voucher / Trip.com e-Vouchers. Also can earn extra Cash Rebate up to HK$13,888 from the bank! Total rewards up to HK$18,688!
Valid till 31 Aug 2026
【Low-Interest ⚠️ Use Promo Code「NLSMRT」and Get HK$1,300 Regardless of Approval 📈】
From now until 31 August 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 0.65%
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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🤯 No need to borrow up to HK$500,000, loans of HK$283,000 or more can enjoy as low as 0.65% APR!
Valid till 31 Aug 2026
MoneySmart Exclusive - HK$1,000 Apple Store Gift Card 🍎 regardless of approval!
From 1 August until 31 August 2026, successfully apply for a Dah Sing Express Money 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), with loan amount HK$200,000 or above, you can receive HK$1,000 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$26,000!
Valid till 31 Aug 2026
【Turn Your Card Debt into Rewards 💸 Up to HK$18,000 in Total Rewards!】
From now until 31 August 2026, customer who successfully applied for CCBA Balance Transfer Program via MoneySmart with designated loan size, can enjoy exclusive gift (fulfilled by MoneySmart):
🌟Up to HK$3,000 Parknshop e-Voucher / HKTVmall e-Gift Voucher / Trip.com e-voucher
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⚡You can enjoy handling fee waiver, a monthly flat rate as low as 0.22%*, and draw down loan amount HK$100,000 or above to get up to HK$15,000 Cash Rebate from the bank upon successful application.
Valid till 31 Aug 2026
【August 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!
Valid till 31 Aug 2026
🤑【Last Summer Flash Offer — Get HK$800 Cash upon Application! 】
Catch the final wave of summer rewards! From 15 August to 31 August 2026, customers who successfully apply for Citi Speedy Cash / Citi Card Debt Consolidation Loan and submit required documents, and borrow HK$200,000 or above with a repayment tenor of 12 months or above to receive HK$800 Cash (converted from 8,000 SmartPoints)💰Enjoy total rewards worth up to HK$23,000, including the loan drawdown reward!
✨【Limited-Time Drawdown Reward Upgrade — Choose Up to HK$14,200 Vouchers or HK$12,700 Cash】
From 15 August to 31 August 2026, New customers who successfully apply and draw down on or before 14 September 2026 , are eligible for MoneySmart exclusive gifts🎁 Pick your favourite: HK$14,200 Apple Store Gift Card / PARKnSHOP supermarket vouchers / Trip.com e-Vouchers / 🤑 HK$12,700 Cash!
Valid till 31 Aug 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, 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 | 1.3% | 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.