Great for

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  Up to HK$3,000 cash rebate

  From 26 April 2022 to 24 June 2022, apply and draw down Handy Cash Personal Instalment Loan to enjoy privileged offers:

  • Up to HK$2,000 Cash Rebate for online application

  Drawdown Amount	Repayment Period	Cash Rebate
  HK$1,000,000 or above	24 months or above	HK$2,000
  HK$500,000 to HK$999,999	HK$1,000
  HK$200,000 to HK$499,999	HK$500
  HK$80,000 to HK$199,999	HK$200

   

  • Payroll Customers do not need to submit documents and enjoy up to HK$1,000 Cash Rebate

  Drawdown Amount	Repayment Period	Cash Rebate
  HK$1,000,000 or above	24 months or above	HK$1,000
  HK$500,000 to HK$999,999	HK$500
  HK$200,000 to HK$499,999	HK$200

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  Monthly flat rate as low as 0.08% (Annualized Percentage Rate as low as 1.78%) and handling fee waiver
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  Loan amount up to HK$3,000,000 or 15 times of your monthly salary (whichever is lower), and repayment periods up to 60 months
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  During repayment period, you can also apply for a Top-up Loan on your repaid principal amount with no documents required

Need to know

• 
  Applicant must be a Hong Kong resident aged 18 or above in full-time employment and minimum monthly income is HK$5,000
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  Monthly flat rate as low as 0.08% and APR as low as 1.78%:

  • For a loan amount of HK$1,000,000 or above, the APR of 1.78% is calculated based on a monthly flat rate of 0.08% and a 12-month repayment period, including the full handling charge waiver
  • The interest rate and the full handling charge waiver are applicable on a case-by-case basis and the final approved interest rate and payable handling charge are subject to the loan amount and credit assessment result
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  All annualised percentage rates are

  • calculated using the Net Present Value Method in accordance with the Code of Banking Practice;
  • reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualised rate if applicable.
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  Up to HK$3,000 Cash Rebate

  • It will be credited to customer's repayment account by 30 September 2022 without prior notice
  • Customers must have no record of default or early settlement of their instalment loans.
  • If customers settle their instalment loans ahead of schedule after the crediting of the rebate, he/she shall return the rebate in full to Hang Seng upon settlement of the loan.
  • Each eligible customer could enjoy each offer once only in the Promotion Period
• 
  The APR ranges from 1.78% to 48.00%, with repayment period of 6 to 60 months. The loan application is subject to the Bank's approval. For a loan amount of HK$100,000 with 12 months repayment period:

  • The monthly flat rate applicable to Prestige Banking customers is 0.22% (APR 4.95%), and the total loan repayment amount is HK$102,640.80 (including full handling fee waiver) (This rate has been calculated in this product)
  • The monthly flat rate applicable to Selected Customers is 0.24% (APR 5.40%), and the total loan repayment amount is HK$102,880.80 (including full handling fee waiver)
  • The monthly flat rate applicable to Other Customers is 0.26% (APR 5.86%), and the total loan repayment amount is HK$103,120.80 (including full handling fee waiver)
  • The above example is for reference only
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  Selected Customers include Hang Seng Preferred Banking Customers, Payroll Customers and Mortgage Customers
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  To borrow or not to borrow? Borrow only if you can repay!