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    Personal Instalment Loan

    Overview

    Lower rates in tax season, time to borrow!

    When tax season meets the rate cut, apply for Hang Seng Personal Instalment Loan to enjoy Double Savings!

    Simply apply online and enjoy instant approval in as fast as 1 minute[1] to get cash with ease!

    Latest offer

    Personal loan Annualised Percentage Rate as low as 1.68%[2] and 0% handling fee

    Up to HKD8,000 cash rebate for online application[3]

    Limited-time add-on offer: Apply online with promotion code “EX2K” to enjoy extra up to HKD2,000 cash rebate[3]

    Loan amount up to HKD3,000,000 or 24 times of your monthly salary (whichever is lower)[4], and up to 60 months of repayment period[5]

    Further apply for a top-up on your repaid amount[6] with no documents required[7]

    Useful Tools

    Edit your loan plan

    Answer simple questions below and get your loan plan

    day(s)
    Your loan plan Result Your instalment plan
    As of HKT
    Monthly repayment amount
    HKD HKD -
    Monthly flat rate
    - %
    Monthly handling fee (%)
    HKD -
    Debt Consolidation Instalment Loan Credit Card Minimum Payment
    Debt Consolidation Instalment Loan Credit Card Minimum Payment
    Monthly repayment amount HKD - Minimum Payment
    Total interest amount HKD -
    (Save HKD -)     		HKD -
    Repayment period 72 month(s)
    (Shortened by - month(s))    		 - month(s)
    The Annualised Percentage Rate of Debt Consolidation Instalment Loan is -
    Your payment will be as follows if you make no additional changes using this account:
    Each month you pay (HKD) Repayment period Estimated total payment amount (HKD)
    Each month you pay (HKD) Repayment period Estimated total payment amount (HKD)
    Only the minimum repayment - month(s) -
    - 36 month(s) -
    If you pay off the balance amount in 36 months, you can save HKD - for the total payment amount.
    Annual interest rate
    - %
    Annualised Percentage Rate (”APR“)
    - %
    Daily interest payable Daily interest paid
    HKD -
    Monthly interest paid[6] Monthly interest paid[7]
    HKD - -
    Interest rate Effective rate (p.a.)
    - %
    Monthly minimum payment amount
    HKD -
    Total interest to be paid[2]
    HKD -
    Annualised interest rate (p.a.)
    -
    Apply now
    View repayment schedule
    Your loan plan

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    • The result of the loan calculator is for reference only. The actual interest rate may be adjusted upon approval on a case-by-case basis, and the repayment liability depends on actual terms.
    • All Annualised Percentage Rates are calculated using the Net Present Value Method in accordance with the Code of Banking Practice. The Annualised Percentage Rates are reference rate which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable).
    • The calculation of the monthly repayment amount and the annualised percentage rate has taken the 0% handling fee into account and does not include cash rebate. The monthly repayment amount is rounded up to 1 decimal point. The proportion of loan principal to interest in each monthly instalment amount is calculated according to the Rule of 78.
    • The Annualised Percentage Rate listed above does not include any fees and charges. The Annualised Percentage Rate ranges from 1.68% to 36.00%, with repayment period of 12 to 60 months. The loan application is subject to the Bank’s approval.
    • For a loan amount of HKD100,000 with 12 months repayment period, the monthly flat rate applicable is 0.25%  (APR 5.63%), and the total loan repayment amount is HKD103,000.80 (0% handling fee). The above example is for reference only.
    Title
    Loan amount (HKD) Maximum cash rebate for online application (HKD) [3]
    		 Maximum extra cash rebate with promo code (HKD) [3]   Monthly flat rate  Monthly repayment amount (HKD) - Based on every HKD10,000 loan amount (APR)
    36 months or above 12 months 18-24 months 36 months or above 12 months 18 months 24 months 36 months 48 months 60 months
    $5,000 - $49,999 - - 0.40% 0.39% 0.38% $873.40 $594.60 $455.70 $315.80 $246.40 $204.70
    9.10% 9.04% 9.10% 8.86% 8.80% 8.73%
    $50,000 -
    $99,999    		 - - 0.35% 0.34% 0.33% $868.40 $589.60 $450.70 $310.80 $241.40 $199.70
    7.94% 7.86% 7.92% 7.70% 7.66% 7.60%
    $100,000 -
    $199,999    		 $300 - 0.25% 0.24% 0.23% $858.40 $579.60 $440.70 $300.80 $231.40 $189.70
    5.63% 5.52% 5.57% 5.37% 5.36% 5.33%
    $200,000 -
    $299,999    		 $600 $1,000 0.23% 0.22% 0.21% $856.40 $577.60 $438.70 $298.80 $229.40 $187.70
    5.18% 5.06% 5.11% 4.90% 4.89% 4.88%
    $300,000 -
    $499,999    		 $1,000 $1,000 0.22% 0.21% 0.20% $855.40 $576.60 $437.70 $297.80 $228.40 $186.70
    4.95% 4.83% 4.87% 4.67% 4.66% 4.65%
    $500,000 -
    $999,999    		 $1,500 $2,000 0.21% 0.20% 0.19% $854.40 $575.60 $436.70 $296.80 $227.40 $185.70
    4.72% 4.59% 4.64% 4.43% 4.43% 4.42%
    $1,000,000 -
    $1,499,999    		 $2,000 $2,000 0.19% 0.18% 0.17% $852.40 $573.60 $434.70 $294.80 $225.40 $183.70
    4.26% 4.13% 4.17% 3.97% 3.97% 3.96%
    $1,500,000
    or above
    		 $8,000 $2,000 0.0755% 0.16% 0.15% $840.90 $571.60 $432.70 $292.80 $223.40 $181.70
    1.68% 3.67% 3.71% 3.50% 3.50% 3.50%

    All Annualised Percentage Rates are calculated using the Net Present Value Method in accordance with the Code of Banking Practice. The Annualised Percentage Rates are reference rate which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable).

    The calculation of the monthly repayment amount and the annualised percentage rate has taken the 0% handling fee into account and does not include cash rebate. The monthly repayment amount is rounded up to 1 decimal point. The proportion of loan principal to interest in each monthly instalment amount is calculated according to the Rule of 78.

    The actual interest rate may be adjusted upon approval on a case-by-case basis, and the repayment liability depends on actual terms.

    via Mobile e-Banking

    Step 1/4
    All repayment options are displayed at your convenience, you can now choose the plan that fits you best.

    Footnote

    Remark(s)

    1. After logging on to Personal e-Banking or Hang Seng Mobile App, existing customers may finish the application process and get the approval result from starting the loan application in "Set Your Loan Plan" page, to submitting the application in Acknowledgement page in as fast as 1 minute. It's only applicable to application submitted during designated service hours (Mon to Fri: 9:00 a.m. to 8:30 p.m.; Sat: 9:00 a.m. to 5:30 p.m.; Sun and public holidays: 12:00 noon to 8:30 p.m.). Instant approval is eligible to customers who meet our approval requirements, and on case-by-case basis. It may take longer processing time depending on actual circumstances of individual applications. 
    2. For a loan amount of HKD1,500,000 or above, the Annualised Percentage Rate of 1.68% is calculated based on a monthly flat rate of 0.0755% and a 12-month repayment period, including 0% handling fee. The Annualised Percentage Rates are reference rate which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable).
    3. For the cash rebate offers and other terms and conditions, please refer to the “Personal Instalment Loan Promotion Terms and Conditions” at the last section for details.
    4. The final approved loan amount, which is calculated by way of monthly salary multiple, is subject to change in accordance with the circumstances of individual cases.
    5. Customers can choose for a 12, 18, 24, 36, 48 or 60 months repayment period. If Tax Payment is the only loan purpose, maximum tenor is 18 months.
    6. Customers may apply for a Top-up Loan on the repaid principal amount if a minimum of one instalment is made, the repaid principal amount is over HKD3,000 and a punctual repayment record is maintained. For the detailed terms and conditions, please refer to the relevant application form.
    7. Hang Seng reserves the right to request additional documents from individual applicants on a case-by-case basis.
    8. Minimum loan amount is HKD5,000.
    9. Hang Seng will disburse the approved loan amount to customer's designated bank account directly without further notice (1) if the final approved amount, repayment period and interest rate (collectively, the "loan terms") remain unchanged as those indicated in customer's application via any of the available application channels (the applicable interest rate is based on the customer type (if applicable) requested loan amount set out in the respective interest rate table); or (2) based on Hang Seng’s approved loan terms, which may be selected/accepted by customer during the online application via Personal e-Banking or Hang Seng Mobile App. Otherwise, Hang Seng will contact customer for follow-up.
      Customer will receive SMS notification from Hang Seng on the day of loan drawdown and may also refer to the drawdown letter for details of the loan.
    10. The salary scheme of our representatives (included basic salary and incentive) is based on their performance of various aspects and not only the sales target achieved.
    11. Customer is advised to pay attention on whether interest expenses would be saved by making early repayment of personal instalment loan. For enquiring the relevant fees and charges of loan account, please call our Personal Loan Service Hotline (852) 2997 3882.
    12. For the frequently asked questions relating to Personal Instalment Loan (e.g. Important notes of early repayment; the basis of apportionment of principal and interest in the monthly repayment, etc), please refer to our Bank’s website (Personal Banking Loans Personal Instalment Loan FAQ).

    Terms and Conditions apply to the offers and services.
    To borrow or not to borrow? Borrow only if you can repay!