Popular Balance Transfer Comparison: Top Options for Clearing Credit Card Debt and Exclusive Loan Offers

• 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.

• 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, the monthly flat rate for 12 months is 0.060%, if the loan is approved finally by the Bank, the APR for 12 months is 3.25%, with a handling fee of 1% per annum included, the total loan repayment amount is HK$1,510,800.
  • Example is for reference only, APR may differ with different loan amounts and tenors.
• For enquiries, please refer to OCBC Bank (Hong Kong) Limited - Balance Transfer Personal Loan website.
• To borrow or not to borrow? Borrow only if you can repay!

• To enjoy the personalized interest rate, and/or other privileges, customers must submit the application of the Fubon Balance Transfer Personal Loan and successfully drawdown 3 October 2025 and 29 January 2026, both dates inclusive.
• All applicants must be Hong Kong permanent residents over 18 years old and annual income at HK$60,000 or above.
• Personalized interest rate offered is determined based on customers’ credit quality and the personal information submitted. Annualized Percentage Rate (“APR”) as low as 5.28% is calculated based on a monthly flat rate of 0.2345%, loan amount of HK$1,500,000 and repayment period of 12 months. For a loan amount of HK$500,000 with 60 months repayment period, Annualized Percentage Rate (“APR”) is 8.46%, the monthly flat rate applicable is 0.368%, and the total loan repayment amount is HK$610,400 (0% handling fee). The above example is for reference only. APR for each customer may vary and subject to final approval result. The above APR, calculated in accordance with the guidelines as set out in the Code of Banking Practice, is a reference rate expressed as an annualized rate which includes the basic interest rate of the loan.
• Customers have to submit the required personal information and/or all necessary documents to Fubon Bank (Hong Kong) Limited (the “Bank”) for final approval after the preliminary approved result has been obtained. Final approval of the application will be subject to the Bank’s decision upon collection of the necessary documents. The Bank reserves the final decision to disapprove any application and determine the approved loan amount.
• Cash amount for customer usage will be credited to the customer's designated bank account. The designated bank (except the Bank) may impose a remittance charge on the customer's designated bank account for such transfer. For the balance transfer, the Bank, on behalf of the customer, shall use the final approved loan amount to settle the outstanding balance of the customer's designated credit card and personal loan. In any circumstances, the Bank shall not be liable for any interest and/or charges imposed by other banks or financial institutions as a result of the customer's application of Fubon Balance Transfer Personal Loan . The Bank also has final discretion in determining the loan drawdown method. The relevant loan confirmation letter will be sent to customers by mail.
• Customers are required to provide Telephone Banking Identification Number (“TIN”) for customer identity authentication when performing enquiry of the new personal loan account via the Fubon Bank Integrated Customer Service Hotline after successful approval of the loan. Please visit any Fubon Bank branches in person to apply if you do not have a TIN after loan drawdown. TIN will then be sent to you by mail.
• The Bank reserves the right to offer interest rates, loan tenors or personal loan plans subject to the approval result of each customer.
• If the Cash Coupon(s) are out of stock, the Bank has the sole discretion to offer a different coupon as replacement. Cash Coupon(s) are not exchangeable with cash. The use of Cash Coupon(s) shall be subject to the terms and conditions stated on the Cash Coupons. Cash Coupon(s) are provided by respective merchant and the Bank makes no representation or guarantee as to the quality and availability of the products, services, or information provided by the merchant. The Bank shall not be liable for any matters arising from or in connection with the products, services, or information provided by the merchant.
• 7-Day Cooling-off Period:
  • The 7-Day Cooling-off Period is applicable to the Customer who has successfully applied and drawdown for Fubon Personal Loan and is required to call Fubon Personal Loan Express Approval Hotline at 2806 5050 in person and repay the full Installment Loan Amount within 7 calendar days immediately following the date of drawdown of the Installment Loan (“the due date of Cooling-off Period”). For such successful applicants, an Early Settlement Fee and related loan interest will be waived.
  • Under Fubon Personal Loan, customer can only early settle Fubon Personal Loan during the 7-Day Cooling-off Period and enjoy waiver of the Early Settlement Fee ONCE only in each quarter. Customer will no longer be entitled to any promotional offer in relation to Fubon Personal Loan.
  • If the customer fails to repay the full Installment Loan Amount on or before the due date of Cooling-off Period, the application for Cooling-off Period will be cancelled automatically. If the Customer needs to do early repayment or cancel Fubon Personal Loan subsequently, the Bank will charge all the outstanding due under the Loan (including principal and interest, and in respect of the accrued interest this shall be calculated for the period up to the next repayment Due Date or before), an Early Settlement Fee and Late Payment Fee and Charge (if applicable) in accordance with the Fixed Term Personal Loan List of Service Charges.
• The Bank reserves the right to suspend, vary or cancel the promotion offer and amend the relevant terms and conditions at any time without prior notice. In case of disputes, the decision of the Bank is final and conclusive. Should there be any inconsistency between the English and Chinese versions of the terms and conditions, the English version shall prevail.
• Other than the bank and the customer, no third party will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the terms and conditions herein.
• These terms and conditions are governed by the laws of the Hong Kong and the customer agrees to submit to the non-exclusive jurisdiction of Hong Kong courts in respect of any dispute which may arise out of or in connection with these terms and conditions.
• To borrow or not to borrow? Borrow only if you can repay!
• Terms and conditions apply. For details, please visit Fubon Bank website

• 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.
• Monthly flat rate as low as 0.20% (Annualized percentage rate is 6.46% with repayment tenor of 12 months and include 1% handling fee 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.
• Terms and conditions apply. To borrow or not to borrow? Borrow only if you can repay! Please visit the website.

• 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 annualized percentage rate (“APR”) ranges from 5.40% to 35.78%, with repayment period of 6 to 72 months. 
• The Annualized Percentage Rate ("APR") of as low as 5.40% is calculated based on the monthly flat rate 0.24% with loan amount of HK$1,200,000 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 HKD200,000 with 12 months repayment period, the monthly flat rate is 0.5% (APR 11.46%), and the total loan repayment amount is HKD212,004 (including full handling fee waiver). The above example is for reference only. 

Remarks:

1. Loan amount of Citi Card Debt Consolidation Loans is up to 21 times of your monthly salary or HK$1,200,000, whichever is lower.
2.  Repayment period of Citi Card Debt Consolidation Loans is of 6 to 72 months.
3. The Card Debts example shown assumes that a minimum payment is made on a monthly basis (minimum payment being defined as [(Statement Balance – Finance Charge and Other Fees & Charges)x 1.5% + Finance Charge and Other Fees & Charges], subject to a minimum of HK$250, the monthly interest rate is 2.67%, the Annualized Percentage Rate ("APR") is 35.52% and the monthly repayment is the average of the first 6 month minimum payment rounded up to nearest dollar . 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. It also assumes that the monthly flat rate for a Citi Card Debt Consolidation Loan is 0.5% and the APR is 11.46% based on a 72 month repayment term. Interest is calculated on the basis of 365 days per year. The above example is an illustration and for reference only. The actual reduction of monthly repayment and total interest is subject to the Terms and Conditions of the customer's current credit card and/or personal loan and final approval of the loan amount and interest rate. 
4. Application hotline service hours: Monday to Friday 9:30am – 6:30pm (not applicable to Hong Kong public holiday) 

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 

• The Annualized Percentage Rate (“APR”) 4.95% is calculated based on 12 months repayment period and loan amount of HK$2,000,000 with monthly flat rate of 0.22%

• 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.

• During the promotion period, users can input the promotion code [MONEYHERO] to get 3 Loan Cash Coupons applicable to different loan amounts. Upon successful drawdown of Debt Changer with a loan amount of HK$200,000 – HK$399,999, HK$400,000 – HK$799,999, and HK$800,000 – HK$1,500,000 and a tenor of 24 months or above and with the coupon, the user can get an HK$1,888, HK$6,888, and HK$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.

• ^Cash Reward Offer is subject to terms and conditions. For details, please click here.

• New and existing customers refer to the customers who have not any loan transaction with the Company in the past 24 months from the date of application. For e-Cash Revloving Loan applicants who open account, before Personal Instalment Loan application, within the Promotion Period is granted for exemption to entitle the above reward.

• New and existing customer is entitled for the Welcome Offer if the following requirements are satisfied within the Promotion Period:

  • The account opening cash reward only applicable to New Customers who successfully opened an e-Cash Revolving Loan Account

  • New and existing customers who successfully drawdown personal instalment loan are eligible to drawdown the cash reward, and such reward shall be calculated according to the amount of personal instalment loan

• Loan approval and electronic transfer service is available from Monday to Friday (9:00am-6:30pm), Saturday (9:00am-12:30pm) and except to Sunday & public holidays. The actual date of transfer is subject to the transfer servicing hours of each individual bank.United Asia Finance Limited reserves the right to make final decision on loan approval

• United Asia Finance Limited reserves the right to make final decision on loan approval

• Warning: You have to repay your loans. Don't pay any intermediaries.

• Enquiry and Complaint Hotline: 2681 8888

• Money Lender’s Licence No.: 0805/2025

• *The APR is only applicable to designated loan amount and tenor and for reference only. The final approved interest rate will be subjected to the bank’s approval. Assume the loan amount as HKD1,000,000 with tenor of 24 months, the APR will be 4.11% (excluding cash rebate). 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 and may vary for individual customers. Customers should refer to their loan confirmation letters for the relevant information and such information shall prevail.
• ^The comparison of interest is assuming HKD 200,000 outstanding balance of credit card with below examples. Example of credit card is calculated based on annual interest of 31% charged by general credit card on a monthly repayment of 1% of the credit card outstanding balance or HKD 200 (whichever is higher) over a 407 months repayment period and the Annualized Percentage Rate ("APR") is 36.01%. Example of WeLab Bank Card Debt Consolidation Loan is calculated based on a monthly flat rate of 0.18% with 33 months loan repayment period for the loan, the APR is 4.11% (rounded up to two decimal places). The above examples are for reference only. The APR, loan amount and tenor subject to credit approval.
• Same day disbursement at the earliest: 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 final approved loan amount, interest rate and loan tenor are subject to the credit approval.
• To borrow or not to borrow? Borrow only if you can repay!

Warning: You have to repay your loans. Don't pay any intermediaries

Enquiry and Complaint Hotline: 2111 2999

Money Lender's Licence No.: 647/2025

• Based on a loan amount of HK$200,000 with a repayment period in 24 months, and the calculation is based on 365 or 366 days in a year, the APR and Monthly Flat Rate (calculated using relevant guidelines from the Hong Kong Association of Banks) are 8% and 0.343% respectively. In this case, the monthly repayment amount and the total interest paid over the loan period would be HK$9,019.33 and HK$16,464.00 respectively.

• There is no drawdown fee or annual fee for this loan product. If the loan instalment is not fully repaid on the due date, a fixed late fee of HK$300 will be charged for each overdue instalment.

• Applicants must be Hong Kong permanent residents aged 18 or above, provide a Hong Kong local mobile phone number and have an average monthly salary of HK$5,000.

• APR 1.98%-36.00% in general

• Terms and Conditions apply.

• Warning: You must repay your loans. Do not pay any intermediaries.

• Inquiries and complaints hotline: 6369 2338

• Money Lender‘s Licence Number: 0819/2025

• VCREDIT Finance Limited

• For example, if the loan amount is HK$200,000 with repayment period in 24 months, and the calculation is based on 365 or 366 days in a year, the APR and Monthly Flat Rate (calculated using relevant guidelines from the Hong Kong Association of Banks) are 8% and 0.343% respectively. In this case, the monthly repayment amount and the total interest paid over the loan period would be HK$9,019.33 and HK$16,464.00 respectively.
• There is no drawdown fee or annual fee for this loan product. If the loan instalment is not fully repaid on the due date, a fixed late fee of HK$300 will be charged for each overdue instalment.
• CreFIT Cash Loan Applicant Requirements: Aged 18 or above, Hong Kong Permanent Resident, Hong Kong local mobile phone number, Average monthly salary of HK$5,000
• APR 1.38% - 36.00% in general
• Terms and Conditions apply

• Warning: You have to repay your loans. Don't pay any intermediaries.

• Inquiries and complaints hotline: 6369 2338
• Money Lender's Licence No.:  0819/2025
• VCREDIT Finance Limited 

• Promotion period is valid from now till 31 December 2025 (both dates inclusive)
• # The interest rate offer of as low as 0.11% monthly flat rate is only applicable to "Selected Customers". Assuming that the loan amount is HK$1,000,000, with a 72-month tenor and 0.11% monthly flat rate, APR including the loan handling fee of 1.1% p.a. is 4.83%. 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 version and English version of this page, the Chinese 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.