Get the Best Personal Loans Rates 2019

Updated February 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$
Citibank Speedy Cash
Monthly
Payment
HK$3,601

3.13%

APR*

$216,068

Total Amount Payable

$16,068

Total Interest Payable

HK$3,601

Monthly Payment
MoneySmart Exclusive:
Up to HK$2,000 Supermarket Voucher for successful applications!
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$200,000
Total Interest PayableHK$16,068
Total Amount PayableHK$216,068
Annual Percentage Rate3.13%
Monthly PaymentHK$3,601
Repayment Period60 months
DBS Debt Consolidation Loan
Monthly
Payment
HK$3,413

3.83%

APR*

$204,800

Total Amount Payable

$4,800

Total Interest Payable

HK$3,413

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$200,000
Total Interest PayableHK$4,800
Total Amount PayableHK$204,800
Annual Percentage Rate3.83%
Monthly PaymentHK$3,413
Repayment Period60 months
Citibank Card Debt Consolidation Loans
Monthly
Payment
HK$3,601

3.13%

APR*

$216,068

Total Amount Payable

$16,068

Total Interest Payable

HK$3,601

Monthly Payment
MoneySmart Exclusive: Up to 30% off on total interest payment + Extra Up to HK$2,000 Voucher!
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$16,068
Total Amount PayableHK$216,068
Annual Percentage Rate3.13%
Monthly PaymentHK$3,601
Repayment Period60 months
HSBC Personal Instalment Loan
Monthly
Payment
HK$3,713

4.39%

APR*

$222,800

Total Amount Payable

$22,800

Total Interest Payable

HK$3,713

Monthly Payment
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$200,000
Total Interest PayableHK$22,800
Total Amount PayableHK$222,800
Annual Percentage Rate4.39%
Monthly PaymentHK$3,713
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 now till 28 February, HK$1,888 Cash Bonus 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 now till 28 February, HK$1,888 Cash Bonus 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$200,000
Total Interest PayableHK$24,000
Total Amount PayableHK$224,000
Annual Percentage Rate4.64%
Monthly PaymentHK$3,733
Repayment Period60 months
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
  • 【HK Permanent Residents ONLY】Get Your Loan, All Online
Key Features
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$200,000
Total Interest PayableHK$24,000
Total Amount PayableHK$224,000
Annual Percentage Rate4.49%
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 now till 28 February, HK$1,888 Cash Bonus 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 now till 28 February, HK$1,888 Cash Bonus 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$200,000
Total Interest PayableHK$24,000
Total Amount PayableHK$224,000
Annual Percentage Rate4.64%
Monthly PaymentHK$3,733
Repayment Period60 months
BEA "Super Fast" Debt Clearance Plan
Monthly
Payment
HK$3,788

5.27%

APR*

$227,264

Total Amount Payable

$15,264

Total Interest Payable

HK$3,788

Monthly Payment
  • New Customer Offer up to HK$1,800 Cash Rebate
Key Features
APR as low as 2.91%
Repayment period of up to 60 months
Loan amount of up to 21 times your monthly basic salary (maximum HK$1,200,000)
Successfully apply and submit documents online to get cash rebate of HK$300
Extra cash rebate for new customers of up to HK$1,500
Repayment Summary
Principal Loan AmountHK$200,000
Total Interest PayableHK$15,264
Handling FeeHK$12,000
Total Amount PayableHK$227,264
Annual Percentage Rate5.27%
Monthly PaymentHK$3,788
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
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$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
Standard Chartered Personal Instalment Loan
Monthly
Payment
HK$3,934

6.94%

APR*

$236,060

Total Amount Payable

$36,060

Total Interest Payable

HK$3,934

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
Repayment Summary
Principal Loan AmountHK$200,000
Total Interest PayableHK$36,060
Total Amount PayableHK$236,060
Annual Percentage Rate6.94%
Monthly PaymentHK$3,934
Repayment Period60 months
Standard Chartered Debt Consolidation Program
Monthly
Payment
HK$4,075

8.52%

APR*

$244,520

Total Amount Payable

$44,520

Total Interest Payable

HK$4,075

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
Repayment Summary
Principal Loan AmountHK$200,000
Total Interest PayableHK$44,520
Total Amount PayableHK$244,520
Annual Percentage Rate8.52%
Monthly PaymentHK$4,075
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