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Find the Best Bank Loan In Hong Kong

Looking for a bank loan in Hong Kong that fits your financial needs? MoneyHero has curated a list to help you decide the best bank loan products available on the market. Which bank is offering more competitive interest rates? What are the Annual Percentage Rate (APR), repayment terms, and additional benefits each bank is offering? Find out today and apply through MoneyHero to get the funding you need to achieve your financial goals!

 

All Bank Loans Products

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Bank loan amount HK$500000 to be repaid in 48 months
HK$
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HK$ 200,000
HK$ 800,000
mth
edit
12 mth
24 mth
60 mth
Exclusive offer Application incentive High Reward Large size loan

Standard Chartered Tax Season Personal Instalment Loan

Standard Chartered Tax Season Personal Instalment Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

5 Offers Available

MoneyHero Highest-value Exclusive Offer
iPhone 15 Pro 256GB (valued HK$9,399)
iPhone 15 Pro 256GB (valued HK$9,399)

+ 11 other gift options

Valid until

02 April 2024

MoneyHero Exclusive - Get rewarded no matter the result
HK$800 Apple Store Gift Card
HK$800 Apple Store Gift Card

+ 1 other gift options

Valid until

02 April 2024

SCB Welcome Offer 1
HK$7,000 Cash Reward
HK$7,000 Cash Reward

+ 7 other gift options

Valid until

31 May 2024

SCB Lucky Draw
336,000 Asia Miles
336,000 Asia Miles

Valid until

31 May 2024

SCB Welcome Offer 2
HK$1,000 Extra Cash Reward (for new client and SCB auto payroll customer)
HK$1,000 Extra Cash Reward (for new client and SCB auto payroll customer)

Valid until

31 May 2024

Exclusive offer Best Price Guarantee Application incentive Large size loan

CNCBI $mart Plus Tax Season Loan

CNCBI $mart Plus Tax Season Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

2 Offers Available

MoneyHero Highest-value Exclusive Offer
iPad Pro Wi‑Fi 256GB (valued at HK$7,299)
iPad Pro Wi‑Fi 256GB (valued at HK$7,299)

+ 8 other gift options

Valid until

02 April 2024

MoneyHero Exclusive Offer - Get rewarded no matter the result
HK$800 Apple Store Gift Card
HK$800 Apple Store Gift Card

+ 1 other gift options

Valid until

02 April 2024

Exclusive offer Best Price Guarantee High Reward Application incentive

Citi Tax Season Loan

Citi Tax Season Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

3 Offers Available

MoneyHero Exclusive Offer
HK$7,500 Apple Store Gift Card
HK$7,500 Apple Store Gift Card

+ 9 other gift options

Valid until

02 April 2024

MoneyHero Exclusive Offer
Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 5 (valued at HK$1,340)
Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 5 (valued at HK$1,340)

+ 2 other gift options

Valid until

02 April 2024

Welcome Offer
HK$8,000 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders)
HK$8,000 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders)

+ 15 other gift options

Valid until

02 April 2024

Exclusive offer 24 x 7 Application and approval Application incentive Quick cash

WeLab Bank Card Debt Consolidation Loan

WeLab Bank Card Debt Consolidation Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

3 Offers Available

MoneyHero Exclusive
iPhone 15 Pro 256GB (valued HK$9,399)
iPhone 15 Pro 256GB (valued HK$9,399)

+ 9 other gift options

Valid until

30 April 2024

MoneyHero Exclusive
HK$800 Apple Store Gift Card
HK$800 Apple Store Gift Card

+ 1 other gift options

Valid until

30 April 2024

WeLab Bank Welcome Offer
HK$13,888 Cash Rebate
HK$13,888 Cash Rebate

+ 6 other gift options

Valid until

30 April 2024

Exclusive offer Large size loan Application incentive Loan amount up to 21x monthly salary

Citi Card Debt Consolidation Loan

Citi Card Debt Consolidation Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

3 Offers Available

MoneyHero Exclusive Offer
HK$7,500 Apple Store Gift Card
HK$7,500 Apple Store Gift Card

+ 9 other gift options

Valid until

02 April 2024

MoneyHero Exclusive Offer
Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 5 (valued at HK$1,340)
Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 5 (valued at HK$1,340)

+ 2 other gift options

Valid until

02 April 2024

Welcome Offer
HK$8,000 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders)
HK$8,000 Cash Reward (Citigold Private Client (CPC) / Citigold / Citi ULTIMA cardholders)

+ 15 other gift options

Valid until

02 April 2024

Fubon Perfect Fit Personal Loan

Fubon Perfect Fit Personal Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

4 Offers Available

MoneyHero Exclusive
HK$10,000 Apple Store Gift Card
HK$10,000 Apple Store Gift Card

+ 9 other gift options

Valid until

30 April 2024

MoneyHero Limited Time Exclusive Offer
HK$800 Apple Store Gift Card
HK$800 Apple Store Gift Card

+ 1 other gift options

Valid until

30 April 2024

Fubon Bank Online Application Offer
HK$300 Supermarket Voucher
HK$300 Supermarket Voucher

Valid until

30 September 2024

Fubon Bank Limited Time Offer – Enjoy up to HK$4,800 Reward
HK$4,800 Supermarket Voucher
HK$4,800 Supermarket Voucher

+ 3 other gift options

Valid until

30 April 2024

Application incentive Loan amount up to 23x monthly salary

Fubon Balance Transfer Personal Loan

Fubon Balance Transfer Personal Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

4 Offers Available

MoneyHero Exclusive
HK$12,000 Apple Store Gift Card
HK$12,000 Apple Store Gift Card

+ 9 other gift options

Valid until

30 April 2024

MoneyHero Exclusive
HK$800 Apple Store Gift Card
HK$800 Apple Store Gift Card

+ 1 other gift options

Valid until

30 April 2024

Fubon Bank Online Application Offer
HK$300 Supermarket Voucher
HK$300 Supermarket Voucher

Valid until

30 September 2024

Limited Time Offer - Enjoy up to HK$18,800
HK$18,500 Supermarket Voucher
HK$18,500 Supermarket Voucher

+ 5 other gift options

Valid until

30 September 2024

Same day apporval Loan amount up to 23x monthly salary Large size loan

HSBC Personal Instalment Loan

HSBC Personal Instalment Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

Offer Available

Limited Time Offer - Up to HK$6,300 Cash Rebate
HK$6,000 Cash Rebate
HK$6,000 Cash Rebate

+ 11 other gift options

Valid until

09 April 2024

Exclusive offer Approval at weekends Salary proof free Large size loan

DBS Personal Instalment Loan

DBS Personal Instalment Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

3 Offers Available

MoneyHero Exclusive
HK$10,800 Apple Store Gift Card (New to bank customer)
HK$10,800 Apple Store Gift Card (New to bank customer)

+ 19 other gift options

Valid until

30 April 2024

Welcome Offer
HK$7,700 Supermarket Voucher
HK$7,700 Supermarket Voucher

+ 5 other gift options

Valid until

30 April 2024

InstaRedeem
HK$300 Cash Reward
HK$300 Cash Reward

Valid until

30 April 2024

Exclusive offer Approval at weekends Application incentive Loan amount up to 21x monthly salary

DBS Debt Consolidation Loan

DBS Debt Consolidation Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

4 Offers Available

MoneyHero Exclusive
HK$11,000 Apple Store Gift Card
HK$11,000 Apple Store Gift Card

+ 7 other gift options

Valid until

30 April 2024

MoneyHero Exclusive Offer
HK$1,000 Apple Store Gift Card
HK$1,000 Apple Store Gift Card

+ 1 other gift options

Valid until

30 April 2024

Welcome Offer
HK$18,500 Supermarket Voucher
HK$18,500 Supermarket Voucher

+ 4 other gift options

Valid until

30 April 2024

Welcome Offer
HK$300 Supermarket Voucher
HK$300 Supermarket Voucher

Valid until

30 April 2024

Exclusive offer Quick cash Large size loan Salary proof free

CCB (Asia) Personal Instalment Loan

CCB (Asia) Personal Instalment Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

4 Offers Available

MoneyHero Exclusive
HK$3,000 Apple Store Gift Card
HK$3,000 Apple Store Gift Card

+ 1 other gift options

Valid until

25 April 2024

MoneyHero Exclusive
HK$800 Apple Store Gift Card
HK$800 Apple Store Gift Card

+ 1 other gift options

Valid until

25 April 2024

Welcome Offer
HK$8,000 Cash Rebate
HK$8,000 Cash Rebate

+ 4 other gift options

Valid until

25 April 2024

Limited Offer
HK$1,500 Cash Rebate (Apply via CCB (Asia) Mobile App)
HK$1,500 Cash Rebate (Apply via CCB (Asia) Mobile App)

+ 1 other gift options

Valid until

25 April 2024

Extra stand-by cash Loan amount up to 21x monthly salary

Hang Seng Debt Consolidation Instalment Loan

Hang Seng Debt Consolidation Instalment Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$
Extra stand-by cash Loan amount up to 21x monthly salary

CNCBI $mart Plus Personal Installment Loan – Debt Consolidation

CNCBI $mart Plus Personal Installment Loan – Debt Consolidation
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

2 Offers Available

MoneyHero Highest-value Exclusive Offer
iPad Pro Wi‑Fi 256GB (valued at HK$7,299)
iPad Pro Wi‑Fi 256GB (valued at HK$7,299)

+ 8 other gift options

Valid until

02 April 2024

MoneyHero Exclusive Offer - Get rewarded no matter the result
HK$800 Apple Store Gift Card
HK$800 Apple Store Gift Card

+ 1 other gift options

Valid until

02 April 2024

0% interest Quick cash Loan app Document free

Mox Instant Clear

Mox Instant Clear
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$
Approval at weekends Quick cash Loan app No show-up

Mox Instant Loan

Mox Instant Loan
Monthly repayment $
Monthly flat rate
 %
APR
 %
Total repayment
$

Offer Available

Tax Loan Offer
HK$8,888 Cash Reward
HK$8,888 Cash Reward

+ 3 other gift options

Valid until

30 April 2024

Need Help with Choosing Bank Loans?

No worries, we’ve got you covered.

What should i do if banks reject my loan applications?

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If your loan application is rejected, you can find out why and work on improving your credit score or financial situation. You might also consider applying to a different bank or financial institution with different eligibility criteria or loan products that fit your needs better. Seeking advice from a financial advisor or credit counsellor could also help improve your financial situation for future loan applications.

If I need money now, are bank loans preferable?

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Bank loans might not be the best option if you need cash urgently as their approval process is usually longer and may require more documentation. However, some banks and financial institutions offer personal loans with quick approval and disbursement of funds. It's important to compare different loan options, including interest rates, fees, and repayment terms, before deciding.

What are the consequences of late payment on bank loans?

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Late payment on bank loans can result in late payment fees, additional interest charges, and a negative impact on your credit score. It could also lead to legal action, such as a lawsuit or repossession of collateral for secured loans. Making payments on time and in full can help you avoid these consequences and maintain a good credit score.

Is there any benefit to repay before the due date?

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Repaying a bank loan before the due date can have several benefits. It can reduce the amount of interest paid over the life of the loan, improve your credit score, and help save money on interest charges. However, it's important to check with the bank for any early repayment fees or penalties before making an early repayment.

Bank Loans Information

What type of loans do banks usually provide?

Banks provide different types of loans, such as personal loans, mortgage loans, car loans, and business loans. Personal loans are versatile and don't require collateral, while mortgage loans are secured and are used to buy or refinance property. Car loans finance the purchase of a vehicle, and business loans are used for financing business operations or expansion.

What are the basic requirements for a loan application from banks?

You will also need to provide documents such as proof of identity (e.g. Hong Kong ID card or passport), proof of income (e.g. salary slips or tax returns), and collateral for some loans. However, some banks may have different or extra requirements for loan applications. 

What Are the Required Supporting Documents for Loan Applications?

The required supporting documents for loan applications can be different based on the lender and the type of loan you are applying for. In general, the following documents are typically required when applying for a loan:

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What is the procedure for a loan application from banks?

The process for a loan application from banks differs, and it usually depends on the bank and the type of loan you are applying. However, some common steps include comparing loan options, checking the eligibility criteria and required documents for the chosen loan, submitting the loan application form and required documents to the bank, waiting for the bank to process the application. If the bank approves your application, then you will need to sign the loan agreement to receive the funds.

How Long Does the Loan Application Process Take?

The loan application process from banks usually lasts several days to a few weeks, depending on the loan type, lender, and your financial situation. Personal loans, which usually have a more straightforward process, can often be approved in as little as one hour. Meanwhile, complex mortgage loans could take up to 60 days. 

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What do I need to consider when applying for bank loans?

When you’re applying for bank loans in Hong Kong, it is important to first consider these factors - (i) Annual Percentage Rate (APR) and fees, (ii) loan amount and repayment terms, (iii) prerequisites for application and required documents, (iv) credit history and credit score, (v) the ability to repay and financial stability, and (vi) penalties for late payments or early repayment. You should compare loan options from different banks and choose the one that aligns best with your needs and financial situation.

What Is the Difference between Bank Loans and Loans from Lending Companies?

Bank loans and loans from lending companies are different in terms of interest rates, loan amount, eligibility criteria, repayment terms, and the application process:

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Best Bank Loans Products

If you are in search of the perfect bank loan, we’ve got you covered with our top recommendations for each loan category. From the offer with the lowest APR to the one with the highest rebates, we’ve identified the best bank loan products that suit your needs.