1.18%

The Lowest APR

^HK$303,600

Total Amount Payable

^HK$3,600

Total Interest Payable

All Details

• Key Features

  • For property owner, enjoys a higher loan amount than a personal loan, whether for your financial needs or to repay a large sum of credit card debts

  • No handling fee, no early settlement fee

  • Loan amount up to HK$1,200,000

  • Repayment terms up to 84 months

  • A co-owner can apply for this loan even if the property is held in joint ownership

  • Property deeds are not required. Approval result can be received in as fast as 1 hour

  • No Limitations on Property Usage & Types, be it private housing, tenement buildings, single block buildings, Tenants Purchase Scheme (TPS), or Home Ownership Scheme (HOS) flats without premium paid, standalone car park space in residential, industrial or commercial property, or whether it’s self-used or leased out, you can get a loan as long as you are a property owner.

  • From 1 Jun 2025 to 30 Jun 2025 (both dates inclusive), up to HK$18,000 Cash Bonus and HK$7,500 Apple Store Gift Card will be rewarded for successful application via MoneySmart and drawdown.

  • Only applicable to eligible customers. For more loan and offer details, please visit the PrimeCredit website

  • Warning: You have to repay your loans. Don't pay any intermediaries

  • Enquiry and Complaint Hotline: 2111 2999

  • Money Lender’s License No.: 704/2024

• Repayment Summary

  Principal Loan Amount	HK$300,000
  Total Interest Payable	HK$3,600
  Monthly Payment	HK$12,650
  Total Amount Payable	HK$303,600
  Annual Percentage Rate	1.18%
  Monthly Interest Rate	0.05%
  Loan Tenure	24 Months

Fees & Charges

Handling Fee	No handling fee
Late Payment Fee	According to the APR of the late payment fee in contract
Early Settlement Fee	no early settlement fee

Plan Materials

Terms and Conditions	Read More

Eligibility

Age Requirement	18 years old or above
Residency Status	Hong Kong Resident

Loan Features

Processing Fee Waiver