DBS Personal Instalment loan

Updated December 2019
$212,720Total Amount Payable
$6,720Total Interest Payable
Up to HK$2,200 Coupons for applying for Personal Instalment Loan
  • Customers who successfully apply for Personal Instalment Loan via online during the Promotional Period and draw down the approved Loan on or before 15 January 2020, if the Loan amount drawn reaches HK$100,000 or above, customers will be entitled to HK$200 supermarket cash coupons
  • Customers successfully apply for the Loan during the Promotional Period from whatever channels and draw down the approved Loan on or before 15 January 2020, if the approved Loan amount reaches the amount set out in the below table, customers will be awarded with the corresponding amount of Coupons:
    If the loan amount is HK$100,000 to HK$299,999 can earn HK$300 coupon
    If the loan amount is HK$300,000 to HK$499,999 can earn HK$500 coupon
    If the loan amount is HK$500,000 to HK$999,999 can earn HK$800 coupon
    If the loan amount is HK$1,000,000 to HK$1,499,999 can earn HK$1,000 coupon
    If the loan amount is HK$1,500,000 or above, can earn HK$2,000 coupon
  • The promotional period commences from 1 December 2019 until 31 December 2019, both dates inclusive (the “Promotional Period”)
Key features
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 Amount


Total Interest Payable


Handling Fee


Total Amount Payable


Annual Percentage Rate


Monthly Payment


Repayment Period

24 months

Terms and Conditions
Fee & Charges

Handling Fee

1.5% (Special handling fee of 1% will be offered for loan amount of HK$1,000,000 or above with 12 months tenor)

Late Payment Fee

A default interest of 3% of the total monthly repayment amount overdue and a late charge of HK$300

Early Settlement Fee

1.5% per annum on the original principal amount of the loan will be charged for the number of years in the remaining loan tenor (any part of a year shall be rounded up to a year)

Age Requirement

18 years old or above

Residency Status

Hong Kong resident

Employment Status

Minimum Annual Income HK$80,000

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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Monthly Payment