Get the Best Personal Loans Rates 2019

Updated August 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$3,733

4.49%

APR*

$224,000

Total Amount Payable

$24,000

Total Interest Payable

HK$3,733

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 August 2019 to 30 September 2019
Repayment period 6 months or above, maximum 84 months
Fund will be transferred via Faster Payment System (FPS) provided by banks which could be completed instantly at any time notwithstanding at night or during holidays (Service may be suspended during its maintenance period).
*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$200,000
Total Interest PayableHK$24,000
Total Amount PayableHK$224,000
Annual Percentage Rate4.49%
Monthly PaymentHK$3,733
Repayment Period60 months
Citibank Speedy Cash
Monthly
Payment
HK$3,513

2.01%

APR*

$210,800

Total Amount Payable

$10,800

Total Interest Payable

HK$3,513

Monthly Payment
MoneySmart Exclusive:
Up to HK$3,300 Welcome Offer! Apply Now!

Key Features

Annualized Percentage Rate as low as 2.01%*
Repayment term up to 60 months
Loan amount up to HK$2,000,000
$0 handling fee
*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$10,800
Total Amount PayableHK$210,800
Annual Percentage Rate2.01%
Monthly PaymentHK$3,513
Repayment Period60 months
DBS Debt Consolidation Loan
Monthly
Payment
HK$3,669

3.83%

APR*

$220,160

Total Amount Payable

$5,160

Total Interest Payable

HK$3,669

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$5,160
Handling FeeHK$15,000
Total Amount PayableHK$220,160
Annual Percentage Rate3.83%
Monthly PaymentHK$3,669
Repayment Period60 months
BEA "Super-Fast" Debt Clearance Plan
Monthly
Payment
HK$3,711

4.40%

APR*

$222,685

Total Amount Payable

$10,685

Total Interest Payable

HK$3,711

Monthly Payment
  • Cash rebate for new customers of up to HK$2,000 + up to HK$300 cash rebate for online application

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$10,685
Handling FeeHK$12,000
Total Amount PayableHK$222,685
Annual Percentage Rate4.40%
Monthly PaymentHK$3,711
Repayment Period60 months
BEA "Super-Fast" Instalment Loan
Monthly
Payment
HK$3,733

4.56%

APR*

$224,000

Total Amount Payable

$24,000

Total Interest Payable

HK$3,733

Monthly Payment
  • Cash rebate for new customers/SupremeGold customers of up to HK$1,500 + up to HK$300 cash rebate for online application

Key Features

APR as low as 2.34%*
Cash rebate for new customers/ SupremeGold customers of up to HK$1,500
Extra cash rebate of up to HK$300 for applying through the internet or mobile phone
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)
*APR as low as 2.34% is for reference only. (This includes the cash rebate of HK$1,800 for new customers/ SupremeGold customers who apply through the internet or mobile phone and draw down a loan by 9th October, 2019. It is calculated as for a loan amount of HK$1,000,000, with a monthly flat rate of 0.12%, and a repayment period of 12 months.) Please note that actual APRs may differ.
Remark: The APR with cash rebate is calculated as for a loan amount of HK$100,000, HK$200,000, HK$300,000, HK$500,000, HK$800,000 and HK$1,000,000, and includes the cash rebate for customers who apply and draw down a loan by 9th October, 2019.

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$24,000
Total Amount PayableHK$224,000
Annual Percentage Rate4.56%
Monthly PaymentHK$3,733
Repayment Period60 months
PrimeCredit Fixed Loan
Monthly
Payment
HK$3,733

4.64%

APR*

$224,000

Total Amount Payable

$24,000

Total Interest Payable

HK$3,733

Monthly Payment
  • From 1 August to 30 September 2019 (both days inclusive), Samsung Galaxy S10+ (128GB) (value HK$6,998) will be rewarded upon successful application

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 August to 30 September 2019 (both days inclusive), Samsung Galaxy S10+ (128GB) (value HK$6,998) will be rewarded upon successful application
For more details, please visit PrimeCredit’s website
Money Lender’s License No.: 383/2019

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$24,000
Total Amount PayableHK$224,000
Annual Percentage Rate4.64%
Monthly PaymentHK$3,733
Repayment Period60 months
PrimeCredit Balance Transfer Loan
Monthly
Payment
HK$3,733

4.64%

APR*

$224,000

Total Amount Payable

$24,000

Total Interest Payable

HK$3,733

Monthly Payment
  • From 1 August to 30 September 2019 (both days inclusive), Samsung Galaxy S10+ (128GB) (value HK$6,998) will be rewarded upon successful application

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 1 August to 30 September 2019 (both days inclusive), Samsung Galaxy S10+ (128GB) (value HK$6,998) will be rewarded upon successful application
For more loan details, please visit PrimeCredit’s website
Money Lender’s License No.: 383/2019

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$24,000
Total Amount PayableHK$224,000
Annual Percentage Rate4.64%
Monthly PaymentHK$3,733
Repayment Period60 months
Hang Seng Debt Consolidation Instalment Loan
Monthly
Payment
HK$3,733

6.77%

APR*

$224,000

Total Amount Payable

$24,000

Total Interest Payable

HK$3,733

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$24,000
Total Amount PayableHK$224,000
Annual Percentage Rate6.77%
Monthly PaymentHK$3,733
Repayment Period60 months
Standard Chartered Personal Instalment Loan
Monthly
Payment
HK$3,745

4.78%

APR*

$224,672

Total Amount Payable

$24,672

Total Interest Payable

HK$3,745

Monthly Payment
  • Exclusive Online Offer up to HK$1,000 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)
Up to HK$1,000 Cash Coupon

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$24,672
Total Amount PayableHK$224,672
Annual Percentage Rate4.78%
Monthly PaymentHK$3,745
Repayment Period60 months
DreamCash Personal Loan
Monthly
Payment
HK$3,834

6.10%

APR*

$230,040

Total Amount Payable

$20,040

Total Interest Payable

HK$3,834

Monthly Payment
  • Apply online to enjoy up to HK$4,500 Credit Rebate for loan drawdown

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$20,040
Handling FeeHK$10,000
Total Amount PayableHK$230,040
Annual Percentage Rate6.10%
Monthly PaymentHK$3,834
Repayment Period60 months
 i-Money Internet Personal Loan
Monthly
Payment
HK$3,873

6.17%

APR*

$232,400

Total Amount Payable

$32,400

Total Interest Payable

HK$3,873

Monthly Payment

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-fact 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$32,400
Total Amount PayableHK$232,400
Annual Percentage Rate6.17%
Monthly PaymentHK$3,873
Repayment Period60 months
DBS Personal Instalment loan
Monthly
Payment
HK$3,883

6.41%

APR*

$233,000

Total Amount Payable

$18,000

Total Interest Payable

HK$3,883

Monthly Payment
  • Up to HK$2,300 Coupons for applying for Personal Instalment Loan

Key Features

Up to HK$2,300 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$18,000
Handling FeeHK$15,000
Total Amount PayableHK$233,000
Annual Percentage Rate6.41%
Monthly PaymentHK$3,883
Repayment Period60 months
Hang Seng Personal Instalment Loan
Monthly
Payment
HK$3,913

6.70%

APR*

$234,800

Total Amount Payable

$34,800

Total Interest Payable

HK$3,913

Monthly Payment
  • Enjoy up to HK$500 cash rebate for online or mobile application

Key Features

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.

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$34,800
Total Amount PayableHK$234,800
Annual Percentage Rate6.70%
Monthly PaymentHK$3,913
Repayment Period60 months
HSBC Personal Instalment Loan
Monthly
Payment
HK$3,913

6.71%

APR*

$234,800

Total Amount Payable

$34,800

Total Interest Payable

HK$3,913

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$34,800
Total Amount PayableHK$234,800
Annual Percentage Rate6.71%
Monthly PaymentHK$3,913
Repayment Period60 months
Citibank Card Debt Consolidation Loans
Monthly
Payment
HK$4,013

7.65%

APR*

$240,800

Total Amount Payable

$40,800

Total Interest Payable

HK$4,013

Monthly Payment
MoneySmart Exclusive:
Up to 30% off on total interest payment + extra HK$2,000 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$40,800
Total Amount PayableHK$240,800
Annual Percentage Rate7.65%
Monthly PaymentHK$4,013
Repayment Period60 months
Dah Sing Express Money
Monthly
Payment
HK$4,033

7.99%

APR*

$242,000

Total Amount Payable

$42,000

Total Interest Payable

HK$4,033

Monthly Payment
MoneySmart Exclusive:
Up to HK$2,500 Cash Rebate for successful application + Extra HK$800 Voucher!

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$42,000
Total Amount PayableHK$242,000
Annual Percentage Rate7.99%
Monthly PaymentHK$4,033
Repayment Period60 months
Standard Chartered Debt Consolidation Program
Monthly
Payment
HK$4,075

8.52%

APR*

$244,472

Total Amount Payable

$44,472

Total Interest Payable

HK$4,075

Monthly Payment
  • Exclusive Online Offer up to HK$2,000 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$2,000 Cash Coupon

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$44,472
Total Amount PayableHK$244,472
Annual Percentage Rate8.52%
Monthly PaymentHK$4,075
Repayment Period60 months
BOC Express Cash Instalment Loan Balance Transfer
Monthly
Payment
HK$4,489

11.30%

APR*

$269,321

Total Amount Payable

$59,321

Total Interest Payable

HK$4,489

Monthly Payment

Key Features

Loan amount up to HKD 2,000,000 or 21 times of the monthly salary (whichever is lower)
e-Channel Application Offer – up to HK$3000 cash rebate
APR as low as 4.82% (the APR excluding cash rebate is 5.29 %)
Repayment period up to 72 months
Lowest salary requirement: Annual salary is HK$72,000 or above
Promotion period: From now till 31 October 2019

Repayment Summary

Principal Loan AmountHK$200,000
Total Interest PayableHK$59,321
Handling FeeHK$10,000
Total Amount PayableHK$269,321
Annual Percentage Rate11.30%
Monthly PaymentHK$4,489
Repayment Period60 months
Dah Sing Credit Mastermind Instalment Loan
Monthly
Payment
HK$4,783

16.27%

APR*

$286,960

Total Amount Payable

$75,960

Total Interest Payable

HK$4,783

Monthly Payment
MoneySmart Exclusive:
Up to HK$2,888 Cash Rebate for successful application + Extra HK$1,000 Voucher!

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$75,960
Handling FeeHK$11,000
Total Amount PayableHK$286,960
Annual Percentage Rate16.27%
Monthly PaymentHK$4,783
Repayment Period60 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
Improve cash flowPromise Easy LoanHK$600,000
Clear credit card debtsDBS Debt Consolidation LoanHK$2,000,000 or 21x of monthly salary
Improve cash flowCitibank Speedy CashHK$2,000,000 or 12x 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

Personal Loan Providers in Hong Kong

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