Get the Best Personal Loans Rates 2019

Updated December 2019

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

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Loan Details
HK$
HK$
Promise Easy Loan
Monthly
Payment
HK$8,733

4.49%

APR*

$209,600

Total Amount Payable

$9,600

Total Interest Payable

HK$8,733

Monthly Payment
  • Up to HK3,500 Cash Rewards for new customers ▲ Welcome Hong Kong non-permanent residents with 3 months and above working visa validity※

Key Features

▲New Customer can enjoy an instant Cash Reward up to HK$3,500.
※ For Hong Kong non-permanent resident’s loan application, at least 3 months’ working visa validity is required.
Promotion Period: 1 December 2019 to 31 January 2020
Repayment period 6 months or above, maximum 84 months
“Instant Money Transfer” applies to loans that are transferred via Faster Payment System (FPS), which subject to the system maintenance periods.
*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., Limited.
Promise (Hong Kong) Co., Limited 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., Limited Money Lenders License Number: 1140/2019

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$9,600
Total Amount PayableHK$209,600
Annual Percentage Rate4.49%
Monthly PaymentHK$8,733
Repayment Period24 months
BEA Tax Season Loan
Monthly
Payment
HK$8,485

1.78%

APR*

$203,648

Total Amount Payable

$3,648

Total Interest Payable

HK$8,485

Monthly Payment
MoneySmart Exclusive: Up to HK$3,000 Voucher!

Key Features

APR as low as 1.78%^
0% arrangement fee
Repayment period of up to 60 months
Loan amount of up to 14 times your basic monthly salary (maximum HK$4,000,000)*
^APR as low as 1.78% is for reference only. This only applies to SupremeGold customers and is calculated as for a loan amount of HK$500,000, with a monthly flat rate of 0.08%, and a repayment period of 12 months. Please note that actual APRs may differ. SupremeGold customers are required to indicate that they hold an "All-in-one Account" when applying online through the BEA website or through their mobile at the designated iloan platform www.hkbea.com/iloan and enter the promotion code “SG” to enjoy the exclusive Tax Season Loan offer. Customers who are not SupremeGold account holders will not be entitled to the exclusive Tax Season Loan offer open to SupremeGold customers without prior notice.
*Up to HK$4,000,000 loan amount for 12 / 24 months repayment period ; up to HK$1,200,000 loan amount for 36 / 48 / 60 months repayment period.

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$3,648
Total Amount PayableHK$203,648
Annual Percentage Rate1.78%
Monthly PaymentHK$8,485
Repayment Period24 months
WeLend Personal Loan
Monthly
Payment
HK$8,493

2.78%

APR*

$203,840

Total Amount Payable

$3,840

Total Interest Payable

HK$8,493

Monthly Payment

Key Features

Terms and conditions apply, please refer to Promotional Terms and Conditions on Application Website for details.
Our online application protects your data with advanced grade encryption standards from data transfer to storage. Real time credit assessment using A.I. technology and big data analysis can calculate your real loan rate in seconds, anytime, anywhere.
We provide a more reliable, more instant way to approve your loan by using one time passwords, facial recognition and A.I. scanning to verify your identity, I.D. Card and document me to fasten the approval process.
No more waiting for transfers. Sign your loan agreement online, and once final verification and approval is complete, we’ll transfer your money automatically^
*All required information on the application must be complete and accurate. Final approval is subject to the final submission of all relevant documents and the credit record of the applicant.
^Disbursement into customers’ bank account will be made automatically after the loan agreement has been signed and all the details on the application has been verified and approved. Actual transfer time is subject to each individual bank's transfer service hours.
The interest rate, handling fee and repayment details are for reference only. Final approval is subject to the final submission of information and the credit record of the applicant.
WELEND LIMITED reserves its absolute rights on the final loan decision and on any disputes.
Money Lender's License: 0671/2019

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$3,840
Total Amount PayableHK$203,840
Annual Percentage Rate2.78%
Monthly PaymentHK$8,493
Repayment Period24 months
Citi Tax Season Loan
Monthly
Payment
HK$8,513

2.01%

APR*

$204,320

Total Amount Payable

$4,320

Total Interest Payable

HK$8,513

Monthly Payment
MoneySmart Exclusive: Up to HK$6,000 Cash Voucher + Extra Up to HK$4,000 Supermarket or Electronics Voucher!!!

Key Features

APR as low as 2.01%
0% arrangement fee
Repayment term up to 60 months
Loan amount is up to 12 times your monthly basic salary or HK$2,000,000, whichever is lower
*Calculation based on loan amount of HK$1,500,000 and repayment period of 12 months; The Actual APR may vary for individual customers.

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$4,320
Total Amount PayableHK$204,320
Annual Percentage Rate2.01%
Monthly PaymentHK$8,513
Repayment Period24 months
Standard Chartered Personal Instalment Loan
Monthly
Payment
HK$8,519

2.15%

APR*

$204,459

Total Amount Payable

$4,459

Total Interest Payable

HK$8,519

Monthly Payment
MoneySmart Exclusive: Up to HK$2,000 Cash Voucher + Extra Up to HK$5,000 Voucher!!!
  • Online Offer up to HK$2,000 Cash Coupon

Key Features

APR as low as 1.98% with 0% handling fee
Monthly flat rate as low as 0.08882%
Loan amount: Up to HKD2,000,000 or 18x salary (whichever is lower)
Up to HK$2,000 Cash Coupon (from the bank)+ extra up to HK$5,000 Supermarket Voucher ( from MoneySmart)

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$4,459
Total Amount PayableHK$204,459
Annual Percentage Rate2.15%
Monthly PaymentHK$8,519
Repayment Period24 months
Standard Chartered Debt Consolidation Program
Monthly
Payment
HK$8,519

2.15%

APR*

$204,459

Total Amount Payable

$4,459

Total Interest Payable

HK$8,519

Monthly Payment
MoneySmart Exclusive: Up to HK$3,000 Cash Voucher + Extra Up to HK$5,000 Voucher!!!
  • Online Offer up to HK$3,000 Cash Coupon

Key Features

APR as low as 2.15% with 0% handling fee
Monthly flat rate as low as 0.092%
Loan amount: Up to HKD2,000,000 or 18x salary (whichever is lower)
Loan tenure up to 72 months
Up to HK$3,000 Cash Coupon (from the bank)+ extra up to HK$5,000 Supermarket Voucher (from MoneySmart)

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$4,459
Total Amount PayableHK$204,459
Annual Percentage Rate2.15%
Monthly PaymentHK$8,519
Repayment Period24 months
DBS Tax Season Loan
Monthly
Payment
HK$8,553

2.54%

APR*

$205,280

Total Amount Payable

$5,280

Total Interest Payable

HK$8,553

Monthly Payment
  • Successful applicant can earn up to HK$200 Coupons

Key Features

Monthly Flat Rate as low as 0.08%
APR as low as 1.78%
0% handling fee
Loan Amount up to $2,000,000 or 20x monthly salary
Repayment Period between 12-24 months

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$5,280
Total Amount PayableHK$205,280
Annual Percentage Rate2.54%
Monthly PaymentHK$8,553
Repayment Period24 months
BEA "Super-Fast" Debt Clearance Plan
Monthly
Payment
HK$8,662

3.81%

APR*

$207,897

Total Amount Payable

$3,097

Total Interest Payable

HK$8,662

Monthly Payment

Key Features

APR as low as 2.91%
Repayment period of up to 72 months
Loan amount of up to 21 times your monthly basic salary (maximum HK$1,200,000)
Cash rebate for new customers of up to HK$2,000
Successfully apply and submit documents online to get extra cash rebate of up to HK$300

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$3,097
Handling FeeHK$4,800
Total Amount PayableHK$207,897
Annual Percentage Rate3.81%
Monthly PaymentHK$8,662
Repayment Period24 months
DBS Debt Consolidation Loan
Monthly
Payment
HK$8,666

3.83%

APR*

$207,978

Total Amount Payable

$1,978

Total Interest Payable

HK$8,666

Monthly Payment
  • Up to HK$3,300 Coupons for applying for Debt Consolidation Loan

Key Features

Up to HK$3,300 Coupons for applying for Debt Consolidation Loan
Loan amount up to 21x monthly salary or HK$2,000,000
Instalment period up to 72 months
1-minute approval

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$1,978
Handling FeeHK$6,000
Total Amount PayableHK$207,978
Annual Percentage Rate3.83%
Monthly PaymentHK$8,666
Repayment Period24 months
Fubon Balance Transfer Personal Loan
Monthly
Payment
HK$8,693

6.67%

APR*

$208,640

Total Amount Payable

$8,640

Total Interest Payable

HK$8,693

Monthly Payment

Key Features

Privileged customers exclusively enjoy fixed monthly flat rate of 0.265%^
Other customers can enjoy personalized interest rate
Loan amount up to 21 times of monthly salary or HK$1,000,000 (Whichever is lower)
Cash amount up to 10 times of monthly salary can be directly credited to your designated bank account
Tenor up to 72 months for your selection
*APR, calculated in accordance with the guidelines as set out in the Code of Banking Practice, is a reference rate expressed as an annualized rate which include the basic interest rate of the loan and non-refundable handling fee deducted from loan amount
^For the definition of privileged customers, please refer to the Brochure of the Bank. APRs for the fixed monthly flat rate of 0.265% are 7.98% (12-month tenor) and 8.83% (36-month tenor) respectively. It includes the basic interest rate of the loan and the non-refundable handling fee deducted from loan amount

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$8,640
Total Amount PayableHK$208,640
Annual Percentage Rate6.67%
Monthly PaymentHK$8,693
Repayment Period24 months
PrimeCredit Balance Transfer Loan
Monthly
Payment
HK$8,733

4.64%

APR*

$209,600

Total Amount Payable

$9,600

Total Interest Payable

HK$8,733

Monthly Payment
MoneySmart Exclusive: 1% Cash Bonus + exclusive $500 octopus for successful applications via MoneySmart

Key Features

Instant approval and withdrawal, no income proof is required for loan amount of $50,000 or less
10 mins express approval. Cash will be disbursed within 1 hour from loan confirmation
No handling fee, no early settlement fee
From 1 November to 31 December 2019 (both days inclusive), 1% Cash Bonus + exclusive $500 octopus for successful applications via MoneySmartFor more loan and offer details, please visit PrimeCredit’s websiteMoney
Lender’s License No.: 383/2019

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$9,600
Total Amount PayableHK$209,600
Annual Percentage Rate4.64%
Monthly PaymentHK$8,733
Repayment Period24 months
PrimeCredit Fixed Loan
Monthly
Payment
HK$8,733

4.64%

APR*

$209,600

Total Amount Payable

$9,600

Total Interest Payable

HK$8,733

Monthly Payment
MoneySmart Exclusive: 1% Cash Bonus + exclusive $500 octopus for successful applications via MoneySmart

Key Features

Instant approval and withdrawal, no income proof is required for loan amount of $50,000 or less
10 mins express approval. Cash will be disbursed within 1 hour from loan confirmation
No handling fee, no early settlement fee
From 1 November to 31 December 2019 (both days inclusive), 1% Cash Bonus + exclusive $500 octopus for successful applications via MoneySmartFor more loan and offer details, please visit PrimeCredit’s websiteMoney
Lender’s License No.: 383/2019

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$9,600
Total Amount PayableHK$209,600
Annual Percentage Rate4.64%
Monthly PaymentHK$8,733
Repayment Period24 months
PrimeCredit Tax Loan
Monthly
Payment
HK$8,733

4.64%

APR*

$209,600

Total Amount Payable

$9,600

Total Interest Payable

HK$8,733

Monthly Payment
MoneySmart Exclusive: 1% Cash Bonus + exclusive $1,000 supermarket coupon for successful applications via MoneySmart

Key Features

Instant approval and withdrawal, no income proof is required for loan amount of $50,000 or less
10 mins express approval. Cash will be disbursed within 1 hour from loan confirmation
No handling fee, no early settlement fee
From 4 November to 31 December 2019 (both days inclusive), 1% Cash Bonus + exclusive $1,000 supermarket coupon for successful applications via MoneySmart
Lender’s License No.: 383/2019

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$9,600
Total Amount PayableHK$209,600
Annual Percentage Rate4.64%
Monthly PaymentHK$8,733
Repayment Period24 months
Hang Seng Debt Consolidation Instalment Loan
Monthly
Payment
HK$8,733

6.68%

APR*

$209,600

Total Amount Payable

$9,600

Total Interest Payable

HK$8,733

Monthly Payment
  • Successfully apply for and draw down the loan to enjoy up to HK$12,500 cash reward + Apply via Mobile or Online to enjoy extra up to HK$500 cash rebate

Key Features

Loan amount of up to 21 times of your monthly salary
Enjoy extra cash up to 8 times of your monthly salary on hand
Repayment periods up to 72 months
Personalised interest rate to save more than 89% of interest expenses
Above information is for reference only. Please refer to Hang Seng Bank website for the loan details.

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$9,600
Total Amount PayableHK$209,600
Annual Percentage Rate6.68%
Monthly PaymentHK$8,733
Repayment Period24 months
DreamCash Personal Loan
Monthly
Payment
HK$8,790

5.41%

APR*

$210,960

Total Amount Payable

$6,960

Total Interest Payable

HK$8,790

Monthly Payment

Key Features

Loan Amount up to HK$2,000,000 or 12 times of monthly salary (whichever is lower)*
Flexible repayment tenor up to 60 months
APR as low as 2.97%
Instant cash deposit to your designated bank account after approval, you can make efficient cash arrangement and have better financial planning

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$6,960
Handling FeeHK$4,000
Total Amount PayableHK$210,960
Annual Percentage Rate5.41%
Monthly PaymentHK$8,790
Repayment Period24 months
Hang Seng Personal Instalment Loan
Monthly
Payment
HK$8,793

5.34%

APR*

$211,040

Total Amount Payable

$11,040

Total Interest Payable

HK$8,793

Monthly Payment

Key Features

Monthly flat rate as low as 0.12% (Annualized Percentage Rate as low as 2.68%)* and handling fee waiver*
Up to HKD1,000 Cash Rebate for online or mobile application
Payroll Customers do not need to submit documents and enjoy extra up to HKD500 Cash Rebate
Loan amount up to HKD3,000,000 or 15 times of your monthly salary (whichever is lower), and repayment periods up to 60 months
During repayment period, you can also apply for a Top-up Loan on your repaid principal amount with no documents required
*For a loan amount of HKD1,000,000 or above, the annualized percentage rate of 2.68% is calculated based on a monthly flat rate of 0.12% and a 12-month repayment period, including the full handling charge waiver. The interest rate and the full handling charge waiver are applicable on a case-by-case basis and the final approved interest rate and payable handling charge are subject to the loan amount and credit assessment result.
Above information is for reference only. Please refer to Hang Seng Bank website for the loan details.

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$11,040
Total Amount PayableHK$211,040
Annual Percentage Rate5.34%
Monthly PaymentHK$8,793
Repayment Period24 months
DBS Personal Instalment loan
Monthly
Payment
HK$8,863

6.16%

APR*

$212,720

Total Amount Payable

$6,720

Total Interest Payable

HK$8,863

Monthly Payment
  • Up to HK$2,200 Coupons for applying for Personal Instalment Loan

Key Features

Up to HK$2,200 Coupons for applying for personal instalment loan
Monthly flat rate as low as 0.04%
Loan amount up to 20x monthly salary or HK$2,000,000
Anytime redraw your repaid principal
1-minute approval

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$6,720
Handling FeeHK$6,000
Total Amount PayableHK$212,720
Annual Percentage Rate6.16%
Monthly PaymentHK$8,863
Repayment Period24 months
 i-Money Internet Personal Loan
Monthly
Payment
HK$8,873

6.17%

APR*

$212,960

Total Amount Payable

$12,960

Total Interest Payable

HK$8,873

Monthly Payment
  • From now until Dec 20, 2019, no matter the loan amount, new customer can get cash rewards up to HK$5,000*

Key Features

Loan amount up to HK$1,000,000. The minimum and maximum repayment period are 6 months and 60 months respectively
24x7x365 Fully online service, instant approval and cash transfer by FPS including Sat and Sun
Apply online anytime anywhere, no face-to-face contact is required
Upon loan approval, cash will be transferred to your designated account
*Terms and conditions apply. For details, please contact Customer Service Officer of United Asia Finance Limited
United Asia Finance Limited reserves the right to make final decision on loan approval
Warning: You have to repay your loans. Don't pay any intermediaries
Enquiry and Complaint Hotline: 2681 8888
Money Lender's Licence No.: 0612/2019

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$12,960
Total Amount PayableHK$212,960
Annual Percentage Rate6.17%
Monthly PaymentHK$8,873
Repayment Period24 months
HSBC Personal Instalment Loan
Monthly
Payment
HK$8,873

6.28%

APR*

$212,960

Total Amount Payable

$12,960

Total Interest Payable

HK$8,873

Monthly Payment

Key Features

Monthly flat rate as low as 0.13% (APR as low as 2.92%)
Online offer of up to HK$500 cash rebate
Document submission offer of 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
30-day service pledge – early redemption fees waiver
Cash withdrawal from over 1,000 HSBC's ATMs and branches

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$12,960
Total Amount PayableHK$212,960
Annual Percentage Rate6.28%
Monthly PaymentHK$8,873
Repayment Period24 months
Dah Sing Express Money
Monthly
Payment
HK$8,973

7.30%

APR*

$215,360

Total Amount Payable

$15,360

Total Interest Payable

HK$8,973

Monthly Payment

Key Features

Annualized Percentage Rate as low as 1.98%#
Loan amount up to HK$1,000,000 or 10X monthly income (whichever is lower)
Repayment tenor up to 60 months
Welcome for new job starters
Anytime re-borrow without re-applying for a loan account
Dah Sing e-Express Application service, offers instantly approved loan amount
Up to HK$2,500 Cash Rebate
HK$100 Cash Reward for successful online application
# The interest rate offer of as low as 1.98% APR is only applicable to "Selected Customers". On the assumption of a HK$1,000,000 loan amount, 12-month loan tenor and 0.11% monthly flat rate, APR including HK$2,500 Cash Rebate is 1.98% (assume the Bank credits the cash rebate at the 4th month after the loan drawdown)

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$15,360
Total Amount PayableHK$215,360
Annual Percentage Rate7.30%
Monthly PaymentHK$8,973
Repayment Period24 months
Citibank Card Debt Consolidation Loans
Monthly
Payment
HK$9,013

7.65%

APR*

$216,320

Total Amount Payable

$16,320

Total Interest Payable

HK$9,013

Monthly Payment
MoneySmart Exclusive:
Up to 30% off on total interest payment + extra HK$4,000 Supermarket or Electronics Vouchers for successful applications via MoneySmart!

Key Features

Repayment term up to 60 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$200,000
Total Interest PayableHK$16,320
Total Amount PayableHK$216,320
Annual Percentage Rate7.65%
Monthly PaymentHK$9,013
Repayment Period24 months
Dah Sing Credit Mastermind Instalment Loan
Monthly
Payment
HK$9,743

16.47%

APR*

$233,834

Total Amount Payable

$29,434

Total Interest Payable

HK$9,743

Monthly Payment

Key Features

Monthly flat rate as low as 0.11% (APR 4.70%)#
Loan amount up to HK$1,200,000
Save interest up to 86%
Cash out up to 8 times of monthly income
Dah Sing e-Express Application service, offers instantly approved loan amount
Up to HK$2,888 Cash Rebate
HK$100 Cash Reward for successful online application
# The interest rate offer of as low as 0.11% monthly flat rate is only applicable to "Selected Customers". On the assumption of a HK$1,000,000 loan amount, 60-month loan tenor and 0.11% monthly flat rate, 1.1% p.a. loan handling fee, APR including HK$2,888 Cash Rebate is 4.70% (assume the Bank credits the cash rebate at the 4th month after the loan drawdown)

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$29,434
Handling FeeHK$4,400
Total Amount PayableHK$233,834
Annual Percentage Rate16.47%
Monthly PaymentHK$9,743
Repayment Period24 months

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.

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

Compare Personal Loans in Hong Kong

PurposeProductMax. Loan Amount
Pay taxesCiti Tax Season LoanHK$2,000,000 or 12x of monthly salary
Clear credit card debtsDBS Debt Consolidation LoanHK$2,000,000 or 21x of monthly salary
Clear credit card debtsCitibank Card Debt Consolidation LoansHK$1,200,000 or 21x of monthly salary
Clear credit card debtsDah Sing Credit Mastermind Instalment LoanHK$1,200,000
Improve cash flowPrimeCredit Fixed LoanHK$600,000 or 18x of monthly salary
Clear credit card debtsPrimeCredit Balance Transfer LoanHK$600,000 or 18x of monthly salary
Improve cash flowStandard Chartered Personal Instalment LoanHK$2,000,000 or 18x of monthly salary
Clear credit card debtsStandard Chartered Debt Consolidation ProgramHK$2,000,000 or 18x of monthly salary
Improve cash flowDreamCash Personal LoanHK$1,200,000 or 12x of monthly salary
Improve cash flowWeLend Personal LoanHK$600,000
Improve cash flowReal 0% Interest i-Money Internet Personal LoanHK$50,000
Improve cash flowPromise Easy LoanHK$600,000

Personal Loan Providers in Hong Kong

In Hong Kong, you can apply for personal loans from banks and licensed money lenders.