Low Interest Rate Loan in HK
What is a low interest rate loan?
A low interest rate loan only focuses on interest rate alone, but handling and administrative fees are not taken into account. To make an informed decision, loan borrowers are recommended to compare the Annual Percentage Rates (APR) of personal instalment loans when choosing the best personal loan.
What is Annual Percentage Rate (APR)?
APR reflects all expenses of your loans including interest rate, admin fees, handling fees etc. If you only consider the monthly flat rate when comparing the personal loan that you would like to apply for, you may be surprised by the hidden charges.
Best Low Interest Rate Loans in HK
DBS Personal Instalment Loan
- APR as low as*
- 4.04%
- Total Amount Payable
- HK$207,680
- Total Interest Payable
- HK$7,680
- Monthly Payment
- HK$8,653
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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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To borrow or not to borrow? Borrow only if you can repay!
WeLend AI Personal Loan (Tax Season Applicable)
- The lowest APR
- 1%
- Total Amount Payable
- HK$205,760
- Total Interest Payable
- HK$5,760
- Monthly Payment
- HK$8,573
✨ HK$1,600 Application Bonus + Extra HK$200 Apple Store Gift Card 🍎
💰 HK$1,600 Cash Reward + extra HK$200 Apple Store Gift Card regardless of approval
⚡Up to HK$14,000 rewards upon loan amount of HK$300,001
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Warning: You have to repay your loans. Don't pay any intermediaries.
PrimeCredit Fixed Loan
- The Lowest APR
- 1.18%
- Total Amount Payable
- HK$202,400
- Total Interest Payable
- HK$2,400
- Monthly Payment
- HK$8,433
【PrimeCredit Offer 🎉】From 1 September until 31 October 2026, enjoy up to HK$18,000 Cash Bonus upon successful application and drawdown of a designated loan amount via MoneySmart, including: PrimeCredit Fixed Loan / Balance Transfer Loan / Civil Servant & Professional Loan / Property Owner Personal Loan.
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⚡ APR as low as 1.18% ✨ No handling fee ✔️ No income proof required for loans of HK$100,000 or below. Online application with 24/7 instant approval and loan disbursement
Only applicable to eligible customers. For more loan and offer details, please visit the PrimeCredit website.
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All examples are for reference only. Final approval is subject to the applicant’s individual circumstances.
Warning: You have to repay your loans. Don't pay any intermediaries
Find out more aboutPersonal Loan
Frequently Asked Questions on Loan with Low Interest Rate
Should I choose a personal instalment loan with the lowest monthly interest rate?
- Monthly interest rate should not be the only criterion when it comes to choosing personal instalment loan. You also need to take handling fees into consideration so MoneySmart suggests that borrowers should compare the Annual Percentage Rates (APR) of personal instalment loans instead.
How to calculate monthly interest of personal loan?
- To calculate monthly interest, you need to know the total loan amount, monthly flat rate and repayment period of the loan plan.
What should I consider before applying for a personal instalment loan?
- It is important to understand your financial situation and repayment ability before taking out a loan. It is important not to apply for a loan from a financial institution with a bad reputation. You can read more tips about getting a personal loan on MoneySmart.
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