All Details

• Key Features

  • Monthly flat rate as low as 0.083% (APR as low as 1.85%)
    *Special offer rate calculated on the basis of 12 months repayment period and the loan amount of HK$3,000,000.

  • Up to HK$8,000 cash rebate for drawdown

  • Additional HK$500 cash rebate for apply online

  • Loan amount up to HK$3,000,000 or 12 times of your monthly salary (whichever is lower)

  • No income proof and address proof is required for loan amount of HK$100,000 or less

  • Enjoy handling fee waiver

  • Terms and conditions apply.

  • Reminder: To borrow or not to borrow? Borrow only if you can repay!

• Repayment Summary

  Principal Loan Amount	HK$100,000
  Total Interest Payable	HK$3,240
  Monthly Payment	HK$8,603
  Total Amount Payable	HK$103,240
  Handling Fee	HK$0
  Annual Percentage Rate	6.48%
  Monthly Interest Rate	0.27%
  Loan Tenure	12 Months

Promotions

8,000 Extra SmartPoints Promo

Fees & Charges

Late Payment Fee	HK$500 per month if the monthly repayment amount is not paid in full when due
Early Settlement Fee	1.5% per annum on the total loan amount for the remaining loan tenor (rounded up to a yearly basis)

Eligibility

Age Requirement	18 years old or above
Residency Status	Hong Kong Resident
Employment Status	Be employed for at least 6 months at the current job and annual income not less than HK$ 64,000

Loan Features

Processing Fee Waiver