Find the Best Bank Loans In Hong Kong

• The annualized percentage rate (“APR”) ranges from 1.78% to 35.78%, with repayment period of 6 to 60 months. 
• The Annualized Percentage Rate ("APR") of as low as 1.78% is calculated based on the monthly flat rate 0.08% with loan amount of HK$1,500,000 and repayment tenor of 12 months.
• The Annualized Percentage Rate ("APR") of as low as 35.78% is calculated based on the monthly flat rate 1.46% with loan amount of HK$100,000 and repayment tenor of 18 months.
• APR is calculated based on the guidelines as set out in the Code of Banking Practice and rounded up to the nearest two decimal places. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ, which is to be considered on a case-by-case basis in accordance with customer’s profile. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate. The maximum APR will change and subject to monthly flat rate amendment. The Bank reserve the right to amend the monthly flat rate and APR. The loan application is subject to the Bank’s approval. For a loan amount of HKD1,500,000 with 12 months repayment period, the monthly flat rate is 0.08% (APR 1.78%, excluding any cash rebate) and the total loan repayment amount is HKD1,514,400 (including full handling fee waiver). The above example is for reference only

Remarks:

1. The Annualized Percentage Rate ("APR") of as low as 1.78% is calculated based on the monthly flat rate 0.08% with loan amount of HK$1,500,000 and repayment tenor of 12 months, and is applicable to Citigold Private Client customers with Citi ULTIMA. APR is calculated based on the guidelines as set out in the Code of Banking Practice and rounded up to the nearest two decimal places. Interest is calculated on the basis of 365 days per year. The actual APR applicable may differ, which is to be considered on a case-by-case basis in accordance with customer's profile. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate.
2. Loan amount of Citi Speedy Cash is up to 12x times of your monthly salary or HK$3,500,000, whichever is lower.
3. Repayment period of Citi Speedy Cash is of 6 to 60 months.
4. Application hotline service hours: Monday to Friday 9:30am – 6:30pm (not applicable to Hong Kong public holiday).
5. “Instant Disbursement Upon Loan Approval” is only applicable for disbursement to participating banks of Faster Payment System (FPS), and is subject to Citi’s loan approval and availability of FPS, while the crediting to the recipient’s account is subject to the recipient bank’s handling. Processing time may vary in some cases depending on the actual circumstances of individual applications.

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

• Parts of the cash rebate will be distributed by WeLab Bank, all cash rebate is subject to the terms & conditions. 

• 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: 0900/2025

• The APR is calculated in accordance with the practices and methods set out in the relevant guidelines issued by the Hong Kong Association of Banks. An APR is a reference rate which includes the basic interest rate and other applicable fees and charges expressed as an annualized rate. The respective APRs are rounded to the nearest two decimal places.
• The APR 1.78% is calculated based on loan amount HK$2,000,000, loan tenor of 12 months and monthly flat rate of 0.038%, including a Handling Fee of 0.5% per annum. The examples are for reference only. The APR will be determined based on the customer's credit rating and other relevant loan approval factors, and the bank reserves the final discretion to approve the loan application and to determine the applicable interest rate and handling fee. The handling fee of 1% is for other scenario.
• Handling Fee is charged 1% per annum based on loan amount and shall be deducted upon loan drawdown.
• Same-day fund disbursement service is applicable to customers who use CNCBI bank account for fund disbursement, and it only applies to our Bank’s service hours (Monday to Friday from 9:00 am to 8:00 pm and except Saturday, Sunday and public holidays). The processing time starts when the approved loan is confirmed with the Bank. 
• Terms and conditions apply. To borrow or not to borrow? Borrow only if you can repay! Please visit the website

• APR is calculated according to the method set out in the relevant guidelines under the Code of Banking Practice issued by the Hong Kong Association of Banks as the basis. 
  • If the loan amount is $1,500,000 with the monthly flat rate at 0.062%, when approval is obtained from the Bank, the APR for 12 months will be 1.68% (inclusive of HK$12,600 cash rebate) or 3.28% (excluding cash rebate), including the handling fee of 1.00% per annum, the total repayment amount will be HK$1,511,160. The loan handling fee is to be paid in full upon loan drawdown. The value of the Rebate that an Eligible Customer is entitled to will depend on the Loan amount applied for and drawn down and the APR.  
  • Example is for reference only, APR may differ with different loan amounts and tenors. 
• For details, please contact our staff..
• To borrow or not to borrow? Borrow only if you can repay! 

• Application Eligibility:

  • Aged 18 or above and a Hong Kong Permanent Resident 

  • Annual salary of HK$64,000 or above 

  • At least 6 months in current employment

• APR 1.50% is only applicable to Private Banking or Private Wealth customers of the Bank whose latest Credit Score of TransUnion is within AA grade, loan amount of HK$3,000,000 with 6 months repayment period, and holding a valid HK$ Savings Account / Checking Account in the Bank as repayment account
  
  
• The APR is calculated according to the standard of Hong Kong Association of Banks and rounded to two decimal places. An APR is a reference rate which includes the basic interest rates and other applicable fees and charges of the product expressed as an annualized rate. Interest is charged daily and calculated on the basis of 365 days per year
  
  
• For Personal Installment Loan amount of HK$100,000 with 12 months repayment period, the monthly flat rate is 0.27% (APR 6.11%), and the total loan repayment amount is HK$103,248 (handling fee is waived). The above example is for reference only. The loan application and terms of the loan are subject to the Bank's approval. The actual APR may vary for individual customer and the final interest rate will be subject to credit condition of the customer
  
  
• China Construction Bank (Asia) Corporation Limited reserves the right of final decision on the interest rate and approval result
  
  
• To borrow or not to borrow? Borrow only if you can repay!
  
  

• The above example is for reference only. The actual APR, total interest and repayment amount may vary for individual customer and subject to the loan amount, repayment period and credit condition of the customer, please contact the staff of the Bank for details.
  
  

• APR is calculated in accordance with the guideline issued in respect of the Code of Banking Practice and is rounded to the nearest two decimal places. An APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualized rate. The APR in the above table has included Loan Set Up Fee of 2% in the calculation. Loan Set Up Fee shall be deducted from the loan principal amount upon draw down of the loan and is non-refundable 
• Terms and conditions apply. For details, please visit DBS website
• The above information is for reference only, the final approved interest rate, loan amount and instalment period are subject to the financial condition of customers. 
• To borrow or not to borrow? Borrow only if you can repay!  
• Relevant fee applies if a customer early pays off the Loan. For details, please refer to the Personal Instalment Loan Terms and Conditions.

• The Annualised Percentage Rate ("APR") as shown is calculated according to the standard method set out in the Code of Banking Practice and is rounded up or down to the nearest 2 decimal places, and includes the full arrangement fee waiver. The APR is for reference only. Please note that the APR stated in the loan confirmation letter will not include any cash rebate. Actual APRs and monthly repayments may differ, and the details stated in the loan confirmation letter shall prevail.

• The loan amount can be up to 16 times the applicant’s basic monthly salary (maximum HK$3,000,000). The final approved loan amount, based on a multiple of the applicant’s monthly salary, is subject to change in accordance with individual circumstances.
• If the requested loan amount is approved in full, The Bank of East Asia, Limited will not notify the applicant. The Loan amount will be credited to the applicant’s designated bank account directly.
• In case of dispute, the decision of MoneyHero and BEA shall be final and conclusive
• Terms and conditions apply. To borrow or not to borrow? Borrow only if you can repay!

• The Annualised Percentage Rate is 1.85% (for clients with loan amount of HK$1,500,000 or above and tenor of 12 months). APRs are reference rates which include the basic interest rate and other applicable fees and charges of a product expressed as an annualised rate. This APR does not include cash rebate. The preferential interest rates are only applicable to clients who are not holding any Standard Chartered Credit Cards at the time of this application, or clients who use the Bank’s auto-payroll services or SCB Priority Private / Priority Banking Customers. The Bank reserves the right to determine the applicable interest rate and handling fee, and to approve a loan application, which is to be considered on a case-by-case basis in accordance with the client’s credit records and other relevant factors as the Bank may consider in its absolute discretion. All offers are subject to Terms and Conditions
• The Annualised Percentage Rates (“APR”) are reference rates which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable).
• Standard Chartered Bank reserves the right to determine the applicable interest rate and handling fee and acceptance of a loan application, which is to be considered on a case-by-case basis in accordance with the client’s credit records and other relevant factors.
• Eligibility: With fixed annual income of HK$96,000 or above; and Hong Kong permanent residents aged 20 or above
• The monthly flat rate shown above was rounded to 2 decimal places and for reference only.
• To borrow or not to borrow? Borrow only if you can repay!

• **The estimated period is calculated from the day the loan agreement is signed. The actual approval period and the actual time the loan is disbursed may vary upon information provided by the applicants. 

• The above APR is applicable for designated loan product with loan amount as HKD 283,000 with tenor of 24 months, the APR will be 0.65% (including a cash rebate of HKD 3,000) or 1.68% (without any cash rebate) and total repayment amount will be HKD 287,924.20. The APR is calculated according to the guidelines issued in respect of the Code of Banking Practice and rounded to the nearest 2 decimal places. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualized rate. The final APR offered is subject to the applicant’s application information, personal credit record, and the final approval process.

• We reserve the right to request customers to provide additional supporting documents for the loan application. The actual time for loan approval and the loan disbursement may vary depending on the information provided by the customer and are subject to the credit assessment result. Any loan application is subject assessment against normal lending criteria.
• ^Subject to terms and conditions. Customers must meet specified requirements, and actual circumstances may vary depending on individual situations. For details, please refer to the relevant terms and conditions on the WeLab Bank official website.
• To borrow or not to borrow? Borrow only if you can repay!

• The Promotion Period is valid from now till 30 June 2026 (both dates inclusive)
• #APR as low as 1.68% is only applicable to "Selected Customers". Assuming that the approved loan amount is HK$1,990,000, with a 12-month loan tenor and 0.1338% monthly flat rate, APR including the HK$13,888 cash rebate is 1.68%. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate.
• Subject to relevant terms and conditions. For details, please visit Dah Sing Bank website. In the event of discrepancies between the Chinese versions and English version of this page, the English version shall prevail.
• To borrow or not to borrow? Borrow only if you can repay! The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU. 

• Minimum salary requirement: fixed annual income of HK$80,000 or above. 
• APR as low as 4.03%: The APR of 4.03% is calculated based on the loan amount of HK$100,000, a monthly flat rate of 0.01%, and instalment period of 12 months, including a Loan Set Up Fee of 2%.
• Rewards are subject to Terms and Conditions, please refer to DBS website for details. 
• The Annualized Percentage Rate (“APR”) is calculated in accordance with the guideline issued in respect of the Code of Banking Practice and is rounded to the nearest two decimal places. An APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualized rate. The APR in the above table has included Loan Set Up Fee of 2% in the calculation. Loan Set Up Fee shall be deducted from the loan principal amount upon draw down of the loan and is non-refundable
• The monthly flat rate here is for reference only. The interest rate applicable to a customer is subject to his/her financial condition and is solely determined by DBS. Terms and conditions apply. For details, please visit DBS website
• Relevant fee applies if a customer early pays off the Loan. For details, please refer to the Personal Instalment Loan Terms and Conditions.
• To borrow or not to borrow? Borrow only if you can repay! 

• During the promotion period, users can input the promotion code to get 4 Loan Cash Coupons applicable to different loan amounts. Upon successful drawdown of Debt Changer with a loan amount of HKD 60,000 or above & a tenor of 12 months or above, or HKD 200,000 – HKD 399,999, HKD 400,000 – HKD 799,999, and HKD 800,000 – HKD 1,500,000 & a tenor of 24 months or above and with the coupon, the user can get an HKD 500, HKD 1,888, HKD 6,888, and HKD 20,888 cash reward respectively after the completion of the 7-day Cooling-off Period. The coupons are valid for 14 days after the user enters the code during the loan application.
• The terms of usage, including validity period, applicable products, loan amount, tenor, amount of cash reward and other terms, are listed on each cash coupon. For the details of the cash coupon and the relevant terms and conditions, users can refer to the ZA Bank App > “Explore” > “My Coupon” within the validity period.
• To earn the cash reward listed on the cash coupon, users must use the cash coupon to apply and draw down designated Debt Changer within its validity period according to the terms listed on the coupon, and must not early settle the loan within the 7-day Cooling-off Period.
• Only one cash coupon can be used in a loan application. Each cash coupon can be used once only. The coupon will be written off after successful drawdown of the loan.
• * The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.

• Only applicable to selected customers who successfully apply for and draw down an approved loan of HK$1,500,000 or above during the promotional period. For a repayment period of 12 months, the monthly flat rate is 0.10%, the Annualised Percentage Rate (APR) is 2.25% (without any cash rebate and RewardCash) or 1.88% (taking into account HK$1,500 cash rebate and $1,400 RewardCash). The APR is calculated using method specified in relevant guidelines issued by The Hong Kong Association of Banks, and is rounded up or down to the nearest two decimal places. An APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate. For your eligible rates, please call our hotline 2748 8080, log on to HSBC Online Banking or the HSBC HK App for details. 

• It comprises the total sum of up to HK$5,000 cash rebate and $5,000 RewardCash under the Successful Application Offer. Customers who successfully apply for and draw down an approved loan of HK$1,500,000 or above with a repayment period of 60 months during the promotional period will be eligible for a total sum of up to $10,000 rebate.

• Only applicable to customers who successfully apply for and draw down anapproved loan of HK$600,000 Oor above, with a loan tenor of 36 months or above during the promotional period via HSBC  Online Banking or the HSBC HK App, will be eligible for one set of HSBC LimitedEdition Commemorative Mahjong Set.
• Processing time may vary in some cases depending on the actual circumstances of individual applications
• Minimum redraw is HK$3,000 and you must have had a Personal Instalment Loan account for at least 3 months. The Bank reserves the final right of allowing customers to redraw or not and has sole discretion to determine the redrawn amount and tenor
• Applications have to be submitted during the Bank’s service hours (Monday to Friday: 9 am - 8 pm, Saturday: 9 am - 5 pm, Sunday and public holidays: 12 noon - 12 midnight, or individual branch’s opening hours) with all required information (including without limitation a valid HSBC banking account number) and documents. The actual turnaround time starts when all the required information is successfully inputted into the Bank’s application evaluation system and the Bank may provide the instant application result and fund disbursement. Processing time may vary in some cases depending on the actual circumstances of individual applications.
• The actual repayment amount is subject to final approval
• Offer examples above are for reference only.
• Terms and conditions apply. For details, please refer to HSBC’s website. The monthly repayment amount, monthly flat rate, Annualised Percentage Rate (APR) and total interest amount shown are for indication only and are not meant to be final.

• Terms and conditions apply. Please visit our website hsbc.com.hk/loan for promotional period, offer details and full terms and conditions regarding this promotion.

• Issued by The Hongkong and Shanghai Banking Corporation Limited
• To borrow or not to borrow? Borrow only if you can repay!

• The quoted interest rate is calculated based on a loan amount of HK$3,000,000 with repayment tenor of 12 months and monthly flat rate of 0.0674%. The Annualized Percentage Rate (“APR”) is 1.50% and without handling fee, this APR does not include any cash rebate or eligible offers (if applicable) and is applicable to BOCHK Private Wealth Customers or selected customer groups.
• The above information is for reference only. For details, please visit Bank of China (Hong Kong) Limited (“BOCHK”) website
• For details of promotion offers and terms and conditions, please refer to BOCHK website
• Reminder: To borrow or not to borrow? Borrow only if you can repay!