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    Personal Instalment Loan

    Balance transfer account
    Balance transfer account
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    Application information
    Verify Information
    Acknowledgement
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    Input information

    Please fill out the following loan information.

    Repayment Period (months)
    Add up to 4 account(s)
    Repayment period (months)
    Type of application
    Repayment period (months)
    -

    The result of the loan calculator is for reference only. The actual repayment liability depends on the actual terms of each borrowing arrangement.

    If customer’s loan application cannot meet our approval requirements, the Bank may approve a loan to individual customers on a case-by-case basis but the interest rate offered may be adjusted. For details, please contact our staff. Customers will be notified of the relevant adjusted interest rate upon loan approval.

    Loan Purpose Loan Purpose other than Balance Transfer

    Please view Monthly Repayment Table

    Loan withdrawal bank
    Method of operating the Hang Seng Handy Cash Personal Revolving Loan account
    Remark(s)
    1. All Annualised Percentage Rates ("APR") are calculated using the Net Present Value Method in accordance with the Code of Banking Practice. The above APRs are reference rate which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable).
    2. (If applicable) By using the promotion code, you agree to be bound by the related terms and conditions as set out by the Bank and acknowledge your loan application with the Bank is not under beneficial arrangement with a third party.
    Please tell us more about you.
    Title
    Add other
    Education level
    Residential status
    Is your previous residential address located in HK?
    Thanks! Now, fill in your background and employment information.
    Employment status
    Lastly, just a few more questions.
    Preference
    Correspondence address
    Declaration
    Do you possess any unsecured loans offered by other financial institutions (except banks), secured loans (including mortgage and/or overdraft), unsecured loans under application but not yet drawdown (excluding this application)?
    Relationship declaration
    Are you a relative[2] of, or any of the directors / employees[2] / controllers[2] / minority shareholder controllers[2] of Hang Seng, its branches, subsidiaries or affiliates in Hong Kong or overseas (e.g. the Hongkong and Shanghai Banking Corporation Limited), or other entities over which Hang Seng is able to exert control?
    Are you a director / employee[2] / controller[2] / minority shareholder controller[2] of Hang Seng, its branches, subsidiaries or affiliates in Hong Kong or overseas (e.g. the Hongkong and Shanghai Banking Corporation Limited), or other entities over which Hang Seng is able to exert control?
    You can review and edit your responses before submitting your final application.
    Notice
    Loan information
    Balance transfer details
    Personal information
    Employment details
    Declaration and preference
    Preference
    Declaration
    Unsecured loans offered by other financial institutions (except banks)
    Secured loans (including mortgage and/or overdraft)
    Unsecured loans under application but not yet drawdown (excluding this application)
    Relationship declaration
    Reminders on Responsible Borrowing
    Consent for the Use of Personal Data for New Purposes
    Acknowledgement
    Things to note
    Thank you for your application on Handy Cash Personal Instalment Loan. Please find you application details below. We will process the loan application after we receive the supporting documents.
    Loan information
    Balance transfer details
    Type of application
    Loan amount requested
    Loan amount to be deposited into my account
    Top-up loan amount requested
    Repayment period
    Agree and submit
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    Submit document now Back to home

    I confirm that I have obtained consent from the individuals listed above for the provision of their information to Hang Seng, its branches, subsidiaries and affiliates for the purpose of enabling Hang Seng and its affiliates to comply with the Banking (Exposure Limits) Rules.

    I hereby authorise (and authorise on behalf of the above persons) Hang Seng to exchange with Hang Seng’s branches, subsidiaries and affiliates information relating to me / the above persons and the facilities granted to me / the above persons for the purpose of enabling Hang Seng and its affiliates to comply with the Banking (Exposure Limits) Rules.

    Remark(s)
    1. Direct debit/Loan disbursement account must be a Hang Seng Bank single-name account under same name of applicant.
    2. You may request from Hang Seng the definitions of these terms and a list of the abovementioned entities.

    Need more help?

    Call our 24-hour hotline

    (852) 2812 8000

    Here is a summary of your application. Please review carefully before you proceed. You can click "Back" to edit your information.

    Prepayment / Early Settlement / Redemption Fee:
    (a) next month’s instalment amount (less the portion for repayment of the principal) plus
    (b) 2% of the outstanding principal, subject to a minimum of HK$300; plus repayment of any applicable promotional offers.




    The monthly instalment amount, monthly flat rate, and annualised percentage rate displayed above are for reference only.
    The actual result that will apply will be based on customer's final loan amount and other factors as assigned and considered by the bank.

    If customer’s loan application cannot meet our approval requirements, the Bank may approve a loan to individual customers on a case-by-case basis but the interest rate offered may be adjusted. For details, please contact our staff. Customers will be notified of the relevant adjusted interest rate upon loan approval.

    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.

    1. Understand your own financial conditions, daily expenses and actual borrowing needs.
    2. Assess your own repayment ability and avoid over-borrowing.
    3. Repay your loan on time to avoid late payment charges and additional overdue interest.
    4. To borrow or not to borrow, borrow only if you can repay!

    View the Key Fact Statement for the relevant fees and charges if you wish.

    By pressing the Agree and submit button below, I/we agree that Hang Seng Bank Limited (“the Bank”) may use and disclose all personal data about me/us that the Bank currently or subsequently hold for the purposes as set out in the Privacy Notice which accompanies this application form (“Notice”). *

    (1) the details as specified in the above summary of application details and that I have assessed my responsibility on the above Reminders on Responsible Borrowing.

    (2) the Declaration.

    (3) that with my consent or indication of no objection, the Bank may use my personal data and provide the data to other members of the Hang Seng Bank Group to keep myself updated of the latest promotion and offer in accordance with the "Direct Marketing" section of the Notice. I understand that under the Personal Data (Privacy) Ordinance I have the right to request, on a no charge basis, the Bank to cease to use my personal data for directing marketing purpose via any communication channels or not provide my personal data to any other members of the Hang Seng Bank Group for their use for promotion purpose. I acknowledge that if I have already indicated my choices to the Bank of whether or not to receive promotion and offer, the Bank will act on my existing choices. I also understand that if I do not wish the Bank to use (or continue to use) my personal data or provide (or continue to provide) my personal data to other members of the Hang Seng Bank Group for direct marketing purpose, I should follow Remark [1] below and indicate my objection by exercising my opt-out right before proceeding with this application.

    Remark(s)

    [1] Customers can submit the opt-out request by the following channels

    (i) Contact any Hang Seng Bank branch

    (ii) Call our Customer Service Hotline 2822 0228

    (iii) “Direct Marketing Consent (Not Applicable to Private Banking services)” in Desktop site of Hang Seng Bank e-Banking (Click the left side menu -> Customer Services -> Account Maintenance -> Personal Particulars)

    Need more help?

    Call our 24-hour hotline

    (852) 2812 8000

    Need more help?

    Call our 24-hour hotline

    (852) 2812 8000

    Other point(s) to note

    1. Hang Seng Bank Limited ("Hang Seng") reserves the right of the final approval of the Loan application and the loan terms.
    2. If the permanent residential address is different from residential address, please enclose the permanent address proof.
    3. Hang Seng reserves the right to request for additional information or documents of the applicant. The documents can be submitted online via hangseng.com/loan or Hang Seng Personal Banking Mobile App, or return to any Hang Seng branch (please mark the HKID card number on the copy of documents). All documents are not returnable.
    4. You must hold a valid Hang Seng personal bank account for direct debit/loan disbursement. Please visit our branch to open an account in order to make arrangements on loan drawdown if you do not have the account. 
    5. For any enquiries about the application, please call our Customer Service Hotline 2997 3882 during office hours. Office hours: Mon to Fri: 09:00-18:00; Sat: 09:00-13:00 (except public holidays). Monday to Friday: 9am to 6pm; Saturday: 9am to 1pm (except public holidays).

    System message

    We are sorry that we cannot proceed with your application due to an error in the information you submitted.

    Please try again later or call our 24-hour Customer Service Hotline 2812 8000 to facilitate your application.

    An error occurred

    We are sorry that the system is unavailable at this moment.

    Please try again later or call our 24-hour Customer Service Hotline 2812 8000 to facilitate your application.

    Need more help?

    Call our 24-hour hotline

    (852) 2812 8000