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

Begin your application here  

Latest offer

Exclusive for existing personal instalment loan customers

The ability to re-borrow repaid loan principal[2] with the existing or longer loan tenor

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

Your loan plan Result
As of HKT
Monthly repayment amount
Monthly flat rate
- %
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 -)
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
Monthly interest paid[6] Monthly interest paid[7]
HKD - -
Interest rate Effective rate (p.a.)
- %
Monthly minimum payment amount
Your loan plan
  •  The result of the loan calculator is for reference only. The actual repayment liability depends on the actual terms of each borrowing arrangement.
  • The Annualised Percentage Rate listed above does not include any fees and charges. The Annualised Percentage Rate ranges from 2.07% to 36.00%, with repayment period of 6 to 60 months. The loan application is subject to the Bank’s approval.



  1. “Personal e-Banking instant approval” is only applicable to customers applying Top-up Loan via Hang Seng Personal e-Banking with a loan amount requested not larger than the available top-up amount. The approval of the loan is subject to circumstances of individual cases. Hang Seng Bank Limited (“Hang Seng”) will contact you if you have submitted application via Hang Seng Personal e-Banking and the application is not instantly approved.
  2. Customers are eligible to 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. 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. For a monthly flat interest rate of 0.08%, the annualised percentage rates calculated over a 12-month and 24-month loan tenor are 1.78% and 1.85% 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. Minimum loan amount is HKD5,000.
  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).

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