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 26 Personal Loans for you!
🤑【 Limited-Time Summer Offer — Get HK$400 Cash + Total Cash Rewards Up to HK$21,100!】
From 1 June to 30 June 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$400 Cash (converted from 4,000 SmartPoints)💰Enjoy total rewards worth up to HK$22,600, including the loan drawdown reward!
【✨Limited-Time Drawdown Reward Upgrade – Earn Up to HK$14,200 Voucher / Up to HK$12,700 Cash! ✨】
From 1 June to 30 June 2026, New customers who successfully apply and draw down on or before 14 July 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 30 Jun 2026
【June Limited-Time Offer】Enjoy Total Rewards of Up to HK$37,300 Including Bank Rewards! 🤩
From 15 June to 30 June 2026, apply for the DBS Personal Loan "Debt Consolidation Loan" via MoneySmart and enjoy:⠀⠀
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⚡ HK$500 Cash – Regardless of Approval! (credited via FPS)
📈 Reward Boost! Upon successful loan drawdown, receive up to 130,000 SmartPoints, redeemable for HK$13,000 worth of vouchers for free!
✨ DBS Coupon: Earn up to HK$23,800 in rewards⠀⠀
💰 Consolidate Your Debts and Reduce Interest Expenses – Manage your finances more efficiently and with greater ease!
Valid till 30 Jun 2026
【Low-Interest ⚠️ Use Promo Code「NLSMRT」and Get HK$1,300 Regardless of Approval 📈】
From now until 30 June 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 30 Jun 2026
MoneySmart Exclusive - HK$1,000 Apple Store Gift Card 🍎 / Airport Lounge Pass ✈️ regardless of approval!
From 1 June until 30 June 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 one of the exclusive rewards below — regardless of approval.
• 4 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$2,600) or
• 2 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$2,300) or
• HK$1,000 Apple Store Gift Card⠀
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Successfully draw down the designated loan amount and get total rewards up to HK$24,488!
Valid till 30 Jun 2026
MoneySmart Exclusive - HK$1,000 Apple Store Gift Card 🍎 / Airport Lounge Pass ✈️ regardless of approval!
From 1 June until 30 June 2026, apply for Dah Sing Credit Mastermind 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 one of the exclusive rewards below — regardless of approval.
• 4 x Plaza Premium Lounge APAC 3 hrs Access Pass (Total value: HK$2,600) or
• 2 x Hong Kong Plaza Premium First with Infinity room 3 hrs Access Pass (Total value: HK$2,300) or
• HK$1,000 Apple Store Gift Card⠀⠀
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Successfully draw down the designated loan amount and get total rewards up to HK$28,600!
Valid till 30 Jun 2026
【MoneySmart Exclusive Offer】🕊️ Enjoy brand new SAMSUNG Galaxy S26 !📱
From today until 30 June 2026, customers successfully apply for Standard Chartered Personal Loan via MoneySmart and draw down the designated loan amount, enjoy exclusive gift from MoneySmart:
🌟 SAMSUNG Galaxy S26 (12GB RAM + 256GB) (Value: HK$6,898); or
🌟 Carrier 22L Air Purification & inverter Dehumidifier (DC-22VS) (Value: $4,880); or
🌟 Apple Watch SE 3 GPS + Cellular (44mm) (Value: $2,599)
🌟 Up to HK$6,000 Apple Store Gift Card/Parknshop e-Voucher/ HKTVmall e-Gift Voucher!
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APR as low as 1.85%^ 💵 Get total rewards up to HK$14,898, including Cash Rebate from the bank!
Valid till 30 Jun 2026
【MoneySmart Exclusive Offer】🕊️ Enjoy brand new SAMSUNG Galaxy S26 !📱
From today until 30 June 2026, customers successfully apply for Standard Chartered Personal Loan via MoneySmart and draw down the designated loan amount, enjoy exclusive gift from MoneySmart:
🌟 SAMSUNG Galaxy S26 (12GB RAM + 256GB) (Value: HK$6,898); or
🌟 Carrier 22L Air Purification & inverter Dehumidifier (DC-22VS) (Value: $4,880); or
🌟 Apple Watch SE 3 GPS + Cellular (44mm) (Value: $2,599)
🌟 Up to HK$6,000 Apple Store Gift Card/Parknshop e-Voucher/ HKTVmall e-Gift Voucher!
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APR as low as 4.67%^ 💵 Get total rewards up to HK$27,898, including Cash Rebate from the bank!
Valid till 30 Jun 2026
【🎁 June Special Offer－ up to $32,687 rewards with New Macbook Air 🥳 】
From 1 June until 30 June 2026, apply for WeLab Bank Personal Instalment Loan via MoneySmart using promo code 「NLSMRT」to earn up to HK$32,687 Rewards!
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Apply and submit all the required documents to get up to 8,000 SmartPoints and fully redeem HK$800 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 30 Jun 2026
【Low-Interest ⚠️ Use Promo Code「NLSMRT」and Get HK$1,300 Regardless of Approval 📈】
From now until 30 June 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
⠀⠀
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 30 Jun 2026
【June 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 30 Jun 2026
🤑【 Limited-Time Summer Offer — Get HK$400 Cash + Total Cash Rewards Up to HK$21,100!】
From 1 June to 30 June 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$400 Cash (converted from 4,000 SmartPoints)💰Enjoy total rewards worth up to HK$22,600, including the loan drawdown reward!
【✨Limited-Time Drawdown Reward Upgrade – Earn Up to HK$14,200 Voucher / Up to HK$12,700 Cash! ✨】
From 1 June to 30 June 2026, New customers who successfully apply and draw down on or before 14 July 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 30 Jun 2026
【Low-Interest ⚠️ Use Promo Code「NLSMRT」and Get HK$1,300 Regardless of Approval 📈】
From now until 30 June 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
⠀⠀
🤯 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 30 Jun 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.