Homeowner Loans 2025: Latest Interest Rates and Offer Comparisons for Homeowner Personal Loans
Updated: 31 Oct 2025
What homeowner loan options are available? Homeowner personal loans are designed specifically for property owners, no collateral is required, and the loan amount is generally higher than that of standard personal loans. MoneyHero compares the actual annual interest rates, maximum loan amounts, and property requirements of various homeowner loan plans to help you find the one that best suits your needs.
Loan | MoneyHero Reward | Total Interest | Total Repayment | APR | ||
|---|---|---|---|---|---|---|
 | WeLend Property Owner Loan | - | $1,968 | HK$101,968 | 1.00 % | |
 | PrimeCredit Property Owner Personal Loan | - | HK$1,200 | HK$101,200 | 1.18 % | |
 | Hong Kong Finance Mortgage Loans | - | $8,400 | $108,400 | 8.00 % | |
 | K Cash 私人樓業主私人貸款 | - | $3,120 | $103,120 | 2.88 % | |
 | PL.RUWU.RUWU-HOMEOWNERSHIP-SCHEME-LOAN | - | $3,984 | $103,984 | 3.80 % | |
| Hong Kong Finance Unsecured Loans for Property | - | $8,400 | $108,400 | 8.00 % | |
 | K Cash 自置公屋業主私人貸款 | - | $3,120 | $103,120 | 2.88 % | |
 | PL.RUWU.RUWU-PUBLIC-HOUSING-ESTATE-LOAN | - | $3,984 | $103,984 | 3.80 % |
Total Interest
$ 1,968Total Repayment
HK$ HK$
101,968APR
1.00 %Handling Fee
HK$ HK$
0Update your loan amount to at least HK$150,001 and loan tenure to at least 24 month to unlock exclusive gifts worth up to HK$2800.
1. Apply online
2. Upload documents
3. Instant approval
4. Verification and disbursement
- Enjoy Cash Reward up to HK$33,800 upon successfully draw down
- Loan amount up to HK$1.5 million, with a repayment period of up to 84 months.
- 24 hours online application service, with instant approval and instant cash delivery.
- Deed waiver; legal fees waived too
- WeScore new credit indicator, assist you to restore long term financial health by using 400 million sets of data!
Eligibility
Minimum Age: 18 years old
Min. Annual Income: HK$96,000
Required Documents
Key Features
- No matter if your property is a private estate or apartment, or if it is self-occupied or leased, as long as you are the owner of the property, you are eligible to apply!
- Property deeds are not required. The loan application and contract will not be registered on Land Registry registration, avoiding complicated legal procedures.
- For customers who fulfil specific credit requirements.
-
Property deeds and Land Registry registration are not required, avoiding extra expenses
-
The above interest rates and repayment information are for reference only.
- The final terms will be determined based on the customer's application information and personal credit records.
- WELEND LIMITED reserves its absolute right on any loan approval decision and any disputes.
- Warning: You have to repay your loans. Don’t pay any intermediaries.
- Customer Service/ Complaint Hotline: 3590 6396
- Money Lender's License: 771/2026
PrimeCredit Property Owner Personal Loan
Total Interest
HK$ HK$
1,200Total Repayment
HK$ HK$
101,200APR
1.18 %Handling Fee
HK$ HK$
0You'll also receive the following welcome gift(s) directly from the provider
- For property owners, a higher loan amount than a personal loan, no matter your financial needs or to repay a large sum of credit card debt.
- No handling fee, no early settlement fee
- Loan amount up to HK$1,200,000
- Repayment terms up to 84 months
- Property deeds are not required. Approval result can be received as fast as within 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 in residential, industrial or commercial property, or whether it’s self-used or leased rented out, you can get a loan as long as you are a property owner.
- Only applicable to eligible customers. For more loan and offer details, please visit the PrimeCredit website
- All examples and information of interest rate are for reference only, and final approval is subject to actual circumstances of individual personal loan applicant
Key Features
Warning: You have to repay your loans. Don't pay any intermediaries
Enquiry and Complaint Hotline: 2111 2999
Money Lender's Licence No.: 608/2026
Hong Kong Finance Mortgage Loans
Total Interest
$ 8,400Total Repayment
$ 108,400APR
8.00 %Handling Fee
0- Loan-to-value ratio up to 90%; Interest rate as low as 8%
- Spared credit limit and revolved credit facility for you
- Daily calculation of interest, borrow and repay whenever you want
- Exempt from income proof, stress test and credit report
- Exempt from valuation fee, legal fee and handling fee
- No upper limit of loan amount
Eligibility
Minimum Age: 18 year-old
Key Features
- We offer diversified property mortgage services, which can be applied for residential, industrial and commercial buildings, shops and parking spaces. It is convenience, easy and fast to apply.
- Repayment period can be up to 120.
- 客戶可獲享之利率將按抵押物業、其個人信貸狀況、及/或其他因素而定，實際利率不超過年息48%
- 以息隨本減計算，實際年利率最低9%至最高48%。例子﹕以貸款HK$100,000、實際年利率9%、手續費全免，按12個月還款期計算，每月還款金額為HK$8,745，總供款為HK$104,942。
Total Interest
$ 3,120Total Repayment
$ 103,120APR
2.88 %Handling Fee
0- 接受任何信貸評級申請
- 無需抵押樓契，無需登記田土廳
- 貸款額高達200萬，還款期長達120個月
Eligibility
最低年齡要求: 18 歲
Key Features
- 無需抵押樓契，無需登記田土廳
- 貸款額高達200萬 最快15分鐘極快批核，現金即日到手
- 還款期長達120個月，最快提早還款免罰息
- 豁免手續費、律師費及估價費
- 上述產品受條款及細則約束，K Cash保留最終審批決定權。
- 有關K Cash 磚貴客戶優惠提供「$500 PayKool卡免找數簽賬額」之條款及細則，點擊查閱詳情
- 忠告：借錢梗要還，咪俾錢中介
- 投訴熱線：3185 8847
- K Cash Limited
- 放債人牌照號碼：1557/2024
- K Cash Express Limited 放債人牌照號碼：0644/2024
PL.RUWU.RUWU-HOMEOWNERSHIP-SCHEME-LOAN
Total Interest
$ 3,984Total Repayment
$ 103,984APR
3.80 %Handling Fee
0Eligibility
Minimum Age: No minimum age
Hong Kong Finance Unsecured Loans for Property
Total Interest
$ 8,400Total Repayment
$ 108,400APR
8.00 %Handling Fee
0- No collateral of title deed is required; Loan amount up to HK$2 million
- Co-owned properties can be applied for by one person
- Exempt from complicated legal procedure, cash out instantly
- Daily calculation of interest, borrow and repay whenever you want
- Exempt from income proof and stress test
- Exempt from valuation fee, legal fee and handling fee
Eligibility
Minimum Age: 18 year-old
Key Features
- Any property owners are welcomed as no collateral of title deed is required. Compared to general private loans, the loan amount is larger and the interest is lower, which helping you to clear high-interest debts. Thus, a lower interest rate can be enjoyed to meet your different funding needs!
- Repayment period can be up to 120.
- 客戶可獲享之利率將按其個人信貸狀況、及/或其他因素而定，實際利率不超過年息48%
- 以息隨本減計算，實際年利率最低9%至最高48%。例子﹕以貸款HK$100,000、實際年利率9%、手續費全免，按12個月還款期計算，每月還款金額為HK$8,745，總供款為HK$104,942。
Total Interest
$ 3,120Total Repayment
$ 103,120APR
2.88 %Handling Fee
0- 接受任何信貸評級申請
- 無需抵押樓契，無需登記田土廳
- 貸款額高達200萬，還款期長達120個月
Eligibility
最低年齡要求: 18 歲
Key Features
- 無需抵押樓契，無需登記田土廳
- 貸款額高達200萬 最快15分鐘極快批核，現金即日到手
- 還款期長達120個月，最快提早還款免罰息
- 豁免手續費、律師費及估價費
- 上述產品受條款及細則約束，K Cash保留最終審批決定權。
- 有關K Cash 磚貴客戶優惠提供「$500 PayKool卡免找數簽賬額」之條款及細則，點擊查閱詳情
- 忠告：借錢梗要還，咪俾錢中介
- 投訴熱線：3185 8847
- K Cash Limited
- 放債人牌照號碼：1557/2024
- K Cash Express Limited 放債人牌照號碼：0644/2024
PL.RUWU.RUWU-PUBLIC-HOUSING-ESTATE-LOAN
Total Interest
$ 3,984Total Repayment
$ 103,984APR
3.80 %Handling Fee
0Eligibility
Minimum Age: No minimum age
Get more smart financial tips
Subscribe now and we'll send you the most relevant financial articles and other practical methods to your email to help you manage your wealth more effectively.