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    Top-up Loan

    Apply in 3 easy steps

    1. 1

      Apply online

      Start your loan application journey.

    2. 2

      Personal e-Banking instant approval[1]

      Receive instant approval when applying via Personal e-Banking.

    3. 3

      Cash crediting to your designated account

    Apply now

    Begin your application here  

    Apply now

    Latest offer

    Exclusive for existing personal instalment loan customers

    Re-borrow repaid loan principal or more[2] with the existing or longer loan tenor[3]

    Enjoy the prevailing interest rate[3] on your existing loan

    0% redraw handling charge

    Get Instant Loan Approval[1] as well as up to HKD1,000 cash rebate[4]

    Loan rate and monthly repayment amount

    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.
    • The Annualised Percentage Rate listed above does not include any fees and charges. The Annualised Percentage Rate ranges from 2.92% to 36.00%, with repayment period of 12 to 60 months. The loan application is subject to the Bank’s approval.

    Footnote

    Remark(s)

    1. “Instant approval” is only applicable to applications submitted via Hang Seng Personal e-Banking or Hang Seng Mobile App 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. Customers are eligible to apply for a Top-up Loan if a minimum of one instalment is made, the repaid principal amount is over HKD3,000 and a punctual repayment record is maintained. The maximum loan amount is HKD3,000,000. The disbursement of the new loan will deduct the outstanding amount of the existing loan account, next-month interest (applicable to Hang Seng Handy Cash Personal Instalment Loan)/ handling fee (applicable to Hang Seng “Self-fulfilment” Interest-free Loan and Hang Seng “Self-fulfilment” Interest-free Instalment Plan) of the existing loan account (if applicable). The final approved loan amount is subject to the circumstances of individual cases. The decision of Hang Seng shall be final.
    3. The new repayment periods available are 12, 18, 24, 36, 48 or 60 months, but can't be shorter than the repayment period of your existing loan account. For example, if you've previously selected the 30-month repayment period, you can only select 36, 48 or 60 months as your new repayment period.
    4. For a monthly flat interest rate of 0.13%, the annualised percentage rates calculated over a 12-month and 24-month loan tenor are 2.92% and 3.02% respectively; For a monthly flat interest rate of 0.26%, the annualised percentage rates calculated over a 12-month and 24-month loan tenor are 5.86% and 6.04% respectively; For a monthly flat interest rate of 0.40%, the annualised percentage rates calculated over a 12-month and 24-month loan tenor are 9.10% and 9.34% respectively. The above Annualised Percentage Rates (“APRs”) are calculated using Net Present Value Method in accordance with the Code of Banking Practices, it has taken the 0% redraw handling charge into account and does not include cash rebate. The 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). The above monthly flat interest rates are for reference only, and will be subject to the loan amount.
    5. For the cash rebate offers and other terms and conditions, please refer to the “Top-up Loan Promotion Terms and Conditions” at the last section for details.
    6. If your application cannot meet our loan approval requirements, your application will still be processed but interest rate offered may be adjusted. For details, please contact our bank staff. Customer will be notified of the relevant adjusted interest rate upon loan approval. The monthly repayment amount is rounded up to 1 decimal point and will be debited from the repayment account on the due date every month. The proportion of loan principal to interest in each monthly instalment amount is calculated according to the Rule of 78.
    7. Applicant must be in full time employment. Hang Seng reserves the right to request additional documents from individual applicants on a case-by-case basis.
    8. If existing Hang Seng “Self-fulfilment” Interest-free Loan / Hang Seng “Self-Fulfilment” Interest-free Instalment Plan customers apply for Top-up Loan, Hang Seng will close the existing loan account of customers and open a new Handy Cash Personal Instalment Loan account. If customers have any questions, please contact our bank staff.
    9. Application for the Top-up Loan is subject to Hang Seng's approval at its sole discretion. Hang Seng also has full discretion in determining the approved loan amount, repayment period, interest rate, redraw handling charge and other payment in relation to the Top-up Loan without providing reason therefor.
    10. Minimum loan amount is HKD5,000.
    11. 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.
    12. 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.
    13. 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.
    14. 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).

    To borrow or not to borrow? Borrow only if you can repay!