Get the Best Personal Loan Rates 2018

Updated July 2018

Thinking about getting a personal loan in Hong Kong? MoneySmart.hk lets you compare and choose the best personal loan in Hong Kong with confidence.

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Loan Details

HK$
HK$
Citibank Speedy Cash
Monthly
Payment
HK$4,222

2.47%

APR*

$50,660

Total Amount Payable

$660

Total Interest Payable

HK$4,222

Monthly Payment
  • Welcome Offer up To HK$2,500 Cash Rebate
Key Features
Annualized Percentage Rate as low as 1.99%
Repayment term up to 60 months
Loan amount up to HK$2,000,000
$0 handling fee
Up to $2,500 cash rebate
Repayment Summary
Principal Loan AmountHK$50,000
Monthly PaymentHK$4,222
Annual Percentage Rate2.47%
Repayment Period12 months
Total Amount PayableHK$50,660
Total Interest PayableHK$660
DBS Debt Consolidation Loan
Monthly
Payment
HK$4,187

3.83%

APR*

$50,240

Total Amount Payable

$240

Total Interest Payable

HK$4,187

Monthly Payment
Key Features
Up to HK$8,600 Interest Discount and up to HK$3,000 Coupons for applying for Debt Consolidation Loan
Loan amount up to 18x monthly salary or HK$1,200,000
Instalment period up to 72 months
1-minute approval
Repayment Summary
Principal Loan AmountHK$50,000
Monthly PaymentHK$4,187
Annual Percentage Rate3.83%
Repayment Period12 months
Total Amount PayableHK$50,240
Total Interest PayableHK$240
DBS Personal Instalment loan
Monthly
Payment
HK$4,237

5.98%

APR*

$50,840

Total Amount Payable

$840

Total Interest Payable

HK$4,237

Monthly Payment
Key Features
Up to HK$4,800 Interest Discount and up to HK$500 Coupons for applying for personal instalment loan
Monthly flat rate as low as 0.05%
Loan amount up to 8x monthly salary or HK$800,000
Anytime redraw your repaid principal
1-minute approval
Repayment Summary
Principal Loan AmountHK$50,000
Monthly PaymentHK$4,237
Annual Percentage Rate5.98%
Repayment Period12 months
Total Amount PayableHK$50,840
Total Interest PayableHK$840
PrimeCredit Fixed Loan
Monthly
Payment
HK$4,267

4.64%

APR*

$51,200

Total Amount Payable

$1,200

Total Interest Payable

HK$4,267

Monthly Payment
Key Features
Instant approval and withdrawal , no proof of income is required for loan amounts of $50,000 or less
10 mins express approval. Cash will be disbursed within 1 hour from confirmation of loan
No handling fee, early settlement fee waiver
No income restriction
From now till 19 August, earn 1% cash bonus upon successful application
Money Lender’s License No.: 748/2018
Repayment Summary
Principal Loan AmountHK$50,000
Monthly PaymentHK$4,267
Annual Percentage Rate4.64%
Repayment Period12 months
Total Amount PayableHK$51,200
Total Interest PayableHK$1,200
PrimeCredit Balance Transfer Loan
Monthly
Payment
HK$4,267

4.64%

APR*

$51,200

Total Amount Payable

$1,200

Total Interest Payable

HK$4,267

Monthly Payment
Key Features
Free professional analysis of the repayment of each card and every loan debt; Providing a quick and cost-saving solution to credit card and loan debt settlement.
No handling fee, early settlement fee waiver
No income restriction
Express approval. Cash will be disbursed within 1 hour from confirmation of loan
From now till 19 August, earn 1% cash bonus upon successful application
Money Lender’s License No.:748/2018
Repayment Summary
Principal Loan AmountHK$50,000
Monthly PaymentHK$4,267
Annual Percentage Rate4.64%
Repayment Period12 months
Total Amount PayableHK$51,200
Total Interest PayableHK$1,200
Promise Easy Loan
Monthly
Payment
HK$4,267

4.49%

APR*

$51,200

Total Amount Payable

$1,200

Total Interest Payable

HK$4,267

Monthly Payment
Key Features
Up to HK$2,000 Cash Reward for new applicants
We won’t charge any handling fee, membership fee, annual fee or revolving loan fee on all loan applications.
If a customer uses specific Bank’s account to receive funds, the transfer of funds can even be done overnight and during public holidays.
*All examples and information of interest rate are for reference only, and any final approval is subject to actual circumstances of individual loan applicant.
Subject to terms and conditions of promotion. For terms and conditions details, please visit website of Promise (Hong Kong) Co. Ltd
Promise (Hong Kong) Co. Ltd reserves the right to change any terms and conditions relating to this promotion. All loan approvals are subject to the final decision of Promise (Hong Kong) Co. Ltd. Money Lenders License Number: 1064/2017.
Repayment Summary
Principal Loan AmountHK$50,000
Monthly PaymentHK$4,267
Annual Percentage Rate4.49%
Repayment Period12 months
Total Amount PayableHK$51,200
Total Interest PayableHK$1,200
Standard Chartered Personal Instalment Loan
Monthly
Payment
HK$4,285

5.35%

APR*

$51,425

Total Amount Payable

$1,425

Total Interest Payable

HK$4,285

Monthly Payment
  • Exclusive Online Offer up to HK$500 Cash Coupon
Key Features
APR as low as 2.38% & 0% handling fee
Up to HKD2,000,000 or 18 times of your monthly salary (whichever is lower)
With wavier on early redemption fees and charges
Exclusive Online Offer up to HKD500 Cash Coupon
Repayment Summary
Principal Loan AmountHK$50,000
Monthly PaymentHK$4,285
Annual Percentage Rate5.35%
Repayment Period12 months
Total Amount PayableHK$51,425
Total Interest PayableHK$1,425
BEA "Super Fast" Instalment loan
Monthly
Payment
HK$4,342

7.94%

APR*

$52,100

Total Amount Payable

$2,100

Total Interest Payable

HK$4,342

Monthly Payment
  • New Customer Offer HK$500 Cash Rebate + extra HK$500 Cash Rebate for applying through mobile
Key Features
APR as low as 2.92%
0% arrangement fee
Repayment period of up to 60 months
Loan amount of up to 12 times your basic monthly salary (maximum HK$1,200,000)
Repayment Summary
Principal Loan AmountHK$50,000
Monthly PaymentHK$4,342
Annual Percentage Rate7.94%
Repayment Period12 months
Total Amount PayableHK$52,100
Total Interest PayableHK$2,100
HSBC Personal Instalment Loan
Monthly
Payment
HK$4,357

8.65%

APR*

$52,280

Total Amount Payable

$2,280

Total Interest Payable

HK$4,357

Monthly Payment
Key Features
Preferential monthly flat rate as low as 0.13% (APR as low as 2.92%)
Apply online to enjoy up to HK$500 cash rebate
Submit supporting document(s) required by the Bank for the loan application to enjoy HK$100 cash rebate
HK$0 handling fee
Loan amount of up to HK$1,500,000 or 12 times of the monthly salary
Choice of repayment period from 6 months to 60 months
1-minute approval and no income proof is required if you have maintained an auto payroll account with HSBC for one month or above
Cash withdrawal from over 1,000 HSBC's ATMs and branches
Repayment Summary
Principal Loan AmountHK$50,000
Monthly PaymentHK$4,357
Annual Percentage Rate8.65%
Repayment Period12 months
Total Amount PayableHK$52,280
Total Interest PayableHK$2,280
CitiBank Card Debt Consolidation Loans
Monthly
Payment
HK$4,367

9.12%

APR*

$52,400

Total Amount Payable

$2,400

Total Interest Payable

HK$4,367

Monthly Payment
  • Up to 30% off on total interest payment
Key Features
Repayment term up to 72 months
Loan amount up to 21X Monthly Salary or HK$1,200,000
$0 handling fee
Up to 30% off on total interest payment
Repayment Summary
Principal Loan AmountHK$50,000
Monthly PaymentHK$4,367
Annual Percentage Rate9.12%
Repayment Period12 months
Total Amount PayableHK$52,400
Total Interest PayableHK$2,400
Standard Chartered Debt Consolidation Program
Monthly
Payment
HK$4,377

9.60%

APR*

$52,526

Total Amount Payable

$2,526

Total Interest Payable

HK$4,377

Monthly Payment
  • Exclusive Online Offer up to HK$1,000 Cash Coupon
Key Features
Up to 18 times of your monthly salary or HKD2,000,000 (whichever is lower)
Interest saving
Up to 72 months
Repayment Summary
Principal Loan AmountHK$50,000
Monthly PaymentHK$4,377
Annual Percentage Rate9.60%
Repayment Period12 months
Total Amount PayableHK$52,526
Total Interest PayableHK$2,526

The APR includes the basic interest rate, as well as any other fees and charges (i.e.: Handling Fee) so that it reflects the actual total cost of borrowing. The actual APR applicable may differ, please check with the provider to confirm your final APR based on your loan.

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