Get the Best Personal Loan Rates 2018

Updated November 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.

Edit Loan Details

Loan Details

HK$
HK$
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
  • Up to HK$2,000 Cash Rewards for new customers▲
Key Features
▲New customers can enjoy an instant cash reward up to HK$2,000.
Promotion Period: 1 November 2018 to 30 November 2018
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., 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: 1355/2018.
Repayment Summary
Principal Loan AmountHK$50,000
Total Interest PayableHK$1,200
Total Amount PayableHK$51,200
Annual Percentage Rate4.49%
Monthly PaymentHK$4,267
Repayment Period12 months
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
  • Up to HK$3,000 Coupons for applying for Debt Consolidation Loan
Key Features
Up to HK$3,000 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$50,000
Total Interest PayableHK$240
Total Amount PayableHK$50,240
Annual Percentage Rate3.83%
Monthly PaymentHK$4,187
Repayment Period12 months
Citibank Card Debt Consolidation Loans
Monthly
Payment
HK$4,237

3.13%

APR*

$50,840

Total Amount Payable

$840

Total Interest Payable

HK$4,237

Monthly Payment
  • Up to 30% off on total interest payment
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$50,000
Total Interest PayableHK$840
Total Amount PayableHK$50,840
Annual Percentage Rate3.13%
Monthly PaymentHK$4,237
Repayment Period12 months
Citibank Speedy Cash
Monthly
Payment
HK$4,237

3.13%

APR*

$50,840

Total Amount Payable

$840

Total Interest Payable

HK$4,237

Monthly Payment
Key Features
Annualized Percentage Rate as low as 3.13%
Repayment term up to 60 months
Loan amount up to HK$2,000,000
$0 handling fee
Repayment Summary
Principal Loan AmountHK$50,000
Total Interest PayableHK$840
Total Amount PayableHK$50,840
Annual Percentage Rate3.13%
Monthly PaymentHK$4,237
Repayment Period12 months
HSBC Personal Instalment Loan
Monthly
Payment
HK$4,252

3.82%

APR*

$51,020

Total Amount Payable

$1,020

Total Interest Payable

HK$4,252

Monthly Payment
  • New Customer Offer up to HK$200 Cash Rebate
Key Features
Preferential monthly flat rate as low as 0.08% (APR as low as 1.77%*)
Apply online to enjoy HK$100 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$3,000,000 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
*This APR includes cash rebate
Repayment Summary
Principal Loan AmountHK$50,000
Total Interest PayableHK$1,020
Total Amount PayableHK$51,020
Annual Percentage Rate3.82%
Monthly PaymentHK$4,252
Repayment Period12 months
DreamCash Personal Loan
Monthly
Payment
HK$4,264

6.35%

APR*

$51,170

Total Amount Payable

$1,170

Total Interest Payable

HK$4,264

Monthly Payment
Key Features
Loan Amount up to HK$1,200,000 or 12 times of monthly salary (whichever is lower)*
Flexible repayment tenor up to 60 months
Simple application documents
Instant cash deposit to your designated bank account after approval, you can make efficient cash
Repayment Summary
Principal Loan AmountHK$50,000
Total Interest PayableHK$1,170
Total Amount PayableHK$51,170
Annual Percentage Rate6.35%
Monthly PaymentHK$4,264
Repayment Period12 months
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 on your current card and loan indebtedness, and suggest the most interest saving and fastest repayment plan
No handling fee, no early settlement fee
Repayment terms up to 60 months
Express approval. Cash will be disbursed within 1 hour from confirmation of loan
From now till 31 Dec, Samsung Galaxy Note9 (128GB) (value HK$7,698) will be rewarded upon successful application
For more loan details, please visit PrimeCredit’s website
Money Lender’s License No.: 748/2018
Repayment Summary
Principal Loan AmountHK$50,000
Total Interest PayableHK$1,200
Total Amount PayableHK$51,200
Annual Percentage Rate4.64%
Monthly PaymentHK$4,267
Repayment Period12 months
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 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 now till 31 Dec, Samsung Galaxy Note9 (128GB) (value HK$7,698) will be rewarded upon successful application
For more details, please visit PrimeCredit’s website
Money Lender’s License No.: 748/2018
Repayment Summary
Principal Loan AmountHK$50,000
Total Interest PayableHK$1,200
Total Amount PayableHK$51,200
Annual Percentage Rate4.64%
Monthly PaymentHK$4,267
Repayment Period12 months
Standard Chartered Personal Instalment Loan
Monthly
Payment
HK$4,318

6.85%

APR*

$51,817

Total Amount Payable

$1,817

Total Interest Payable

HK$4,318

Monthly Payment
  • Exclusive Online Offer up to HK$500 Cash Coupon
Key Features
APR as low as 3.33% & 0% handling fee
Up to HK$2,000,000 or 18 times of your monthly salary (whichever is lower)
With wavier on early redemption fees and charges
Exclusive Online Offer up to HK$500 Cash Coupon
Get your latest Credit Report with CreditView free of charge to you
Repayment Summary
Principal Loan AmountHK$50,000
Total Interest PayableHK$1,817
Total Amount PayableHK$51,817
Annual Percentage Rate6.85%
Monthly PaymentHK$4,318
Repayment Period12 months
Dah Sing Express Money - Selected Customers
Monthly
Payment
HK$4,330

7.42%

APR*

$51,962

Total Amount Payable

$1,962

Total Interest Payable

HK$4,330

Monthly Payment
  • Up to HK$2,900 cash rebate
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
Up to HK$2,500 cash rebate
Up to HK$400 cash reward for successful online application
Repayment Summary
Principal Loan AmountHK$50,000
Total Interest PayableHK$1,962
Total Amount PayableHK$51,962
Annual Percentage Rate7.42%
Monthly PaymentHK$4,330
Repayment Period12 months
Dah Sing Express Money
Monthly
Payment
HK$4,341

7.90%

APR*

$52,088

Total Amount Payable

$2,088

Total Interest Payable

HK$4,341

Monthly Payment
  • Up to HK$2,900 cash rebate
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
Up to HK$2,500 cash rebate
Up to HK$400 cash reward for successful online application
Repayment Summary
Principal Loan AmountHK$50,000
Total Interest PayableHK$2,088
Total Amount PayableHK$52,088
Annual Percentage Rate7.90%
Monthly PaymentHK$4,341
Repayment Period12 months
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
Get your latest Credit Report with CreditView free of charge to you
Repayment Summary
Principal Loan AmountHK$50,000
Total Interest PayableHK$2,526
Total Amount PayableHK$52,526
Annual Percentage Rate9.60%
Monthly PaymentHK$4,377
Repayment Period12 months
Dah Sing Credit Mastermind Instalment Loan
Monthly
Payment
HK$4,467

13.84%

APR*

$53,600

Total Amount Payable

$3,600

Total Interest Payable

HK$4,467

Monthly Payment
  • Up to HK$3,500 cash rebate
Key Features
Monthly flat rate as low as 0.11%
Loan amount up to HK$1,200,000
Save interest up to 86%
Cash out up to 6 times of monthly income
Up to HK$2,500 cash rebate
Up to HK$1,000 cash reward for successful online application
Repayment Summary
Principal Loan AmountHK$50,000
Total Interest PayableHK$3,600
Total Amount PayableHK$53,600
Annual Percentage Rate13.84%
Monthly PaymentHK$4,467
Repayment Period12 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!