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Updated August 2019
Looking for the best personal loans in Hong Kong? MoneySmart compares different loan plans from Hang Seng Bank with confidence.
Edit Loan Details
6.44%
APR*
$102,400
Total Amount Payable
$2,400
Total Interest Payable
HK$8,533
Monthly Payment| 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. |
| Principal Loan Amount | HK$100,000 |
| Total Interest Payable | HK$2,400 |
| Total Amount Payable | HK$102,400 |
| Annual Percentage Rate | 6.44% |
| Monthly Payment | HK$8,533 |
| Repayment Period | 12 months |
5.86%
APR*
$103,120
Total Amount Payable
$3,120
Total Interest Payable
HK$8,593
Monthly Payment| Monthly flat rate as low as 0.12% (Annualized Percentage Rate as low as 2.68%)* and handling fee waiver* | |
| Payroll Customers do not need to submit documents and enjoy extra up to HKD500 Cash Rebate | |
| Loan amount up to HKD2,500,000 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. |
| Principal Loan Amount | HK$100,000 |
| Total Interest Payable | HK$3,120 |
| Total Amount Payable | HK$103,120 |
| Annual Percentage Rate | 5.86% |
| Monthly Payment | HK$8,593 |
| Repayment Period | 12 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!
