Great for

• 

  Up to HK$3,000 cash rebate

  From 30 December 2022 to 31 March 2023, apply and draw down Handy Cash Personal Instalment Loan to enjoy privileged offers:

  • Up to HK$3,000 Cash Rebate for online application

  Drawdown Amount	Repayment Period	Cash Rebate
  HK$1,500,000 or above	36 months or above	HK$3,000
  HK$1,000,000 to HK$1,499,999	36 months or above	HK$2,000
  HK$500,000 to HK$999,999	36 months or above	HK$1,000
  HK$200,000 to HK$499,999	36 months or above	HK$500
  HK$50,000 to HK$199,999	36 months or above	HK$200

   

• 

  Product Features

  • Monthly flat rate as low as 0.08% (Annualized Percentage Rate as low as 1.85%) and 0% handling fee
  • Loan amount up to HK$3,000,000 or 24 times of your monthly salary (whichever is lower), and repayment periods up to 60 months
  • Further apply for a top-up on your repaid amount with no documents required

Need to know

• 

  Things you need to know

  • Monthly flat rate as low as 0.08% and APR as low as 1.85%:
    • For a loan amount of HK$1,500,000 or above, the APR of 1.85% is calculated based on a monthly flat rate of 0.08% and a 24-month repayment period, including 0% handling fee
    • The minimum loan amount is HK$5,000
    • If customer’s loan application cannot meet the approval requirements, Hang Seng Bank Limited may approve a loan to individual customers on a case-by-case basis but the interest rate offered may be adjusted. For details, please contact Hang Seng’s staff. Customers will be notified of the relevant adjusted interest rate upon loan approval

  • 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.

  • Up to HK$3,000 Cash Rebate

    • It will be credited to customer's repayment account by 30 June 2023 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 Annualised Percentage Rate ranges from 1.85% to 36.00%, with repayment period of 6 to 60 months. The loan application is subject to the Bank’s approval. 
  • The minimum loan amount is HK$5,000
  • Terms and Conditions apply. Please visit Hang Seng Bank’s website for details.
  • Hang Seng reserves the right to request additional documents from individual applicants on a case-by-case basis
  • To borrow or not to borrow? Borrow only if you can repay!
• 
  MoneyHero may not present bank’s full version of marketing materials but extract some conditions only, to avoid any complaint from customers, below sample disclaimer is suggested. We may edit it if there’s word number limitation.