6.04%

APR*

^HK$318,720

Total Amount Payable

^HK$18,720

Total Interest Payable

All Details

• Key Features

  • Apply for Handy Cash Personal Instalment Loan to enjoy privileged offers on or before 24 February 2023:

  • Annualised Percentage Rate as low as 1.85%* and 0% handling fee

  • Up to HKD3,000 Cash Rebate for online or mobile application

  • Payroll customers do not need to submit document

  • Loan amount of up to HKD3,000,000 or 24 times your monthly salary (whichever is lower), and repayment periods up to 60 months

  • Further apply for a top-up on your repaid amount with no documents required

  • The above information is for reference only. For details, please visit Hang Seng Bank Limited website.

  • * For a loan amount of HKD1,500,000 or above, the Annualised Percentage Rate of 1.85% is calculated based on a monthly flat rate of 0.08% and a 24-month repayment period, including 0% handling fee. The Annualised Percentage Rates are reference rate which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable)

  • Terms and Conditions apply

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

• Repayment Summary

  Principal Loan Amount	HK$300,000
  Total Interest Payable	HK$18,720
  Monthly Payment	HK$13,280
  Total Amount Payable	HK$318,720
  Handling Fee	HK$0
  Annual Percentage Rate	6.04%
  Monthly Interest Rate	0.26%
  Loan Tenure	24 Months

Fees & Charges

Late Payment Fee	27% per annum from the date of such instalment default until the date of full repayment of default sum
Early Settlement Fee	(a) next month’s instalment amount (less the portion for repayment of the principal) plus (b) 2% of the outstanding principal, subject to a minimum of HK$300; plus repayment of any applicable promotional offers

Eligibility

Age Requirement	18 years old or above
Residency Status	Permanent Resident of Hong Kong
Employment Status	Full-time employed or self employed

Loan Features

Processing Fee Waiver