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
Standard Chartered Personal Instalment Loan
+ 2 other gift options
Valid until
30 April 2024
+ 8 other gift options
Valid until
30 April 2024
+ 2 other gift options
Valid until
30 April 2024
+ 7 other gift options
Valid until
31 May 2024
Valid until
31 May 2024
Valid until
31 May 2024
- Maximum loan amount of up to 18X monthly salary or HK$4,000,000 (whichever is lower)
- Max Loan Repayment Tenure: 60 months; 0% handling fee
- 7-Day Cooling-off Period - Early redemption fees and changes waiver with waiver on early redemption fee and charges
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
From 16 April 2024 6 p.m. to 30 April 2024 6 p.m. customers who have successfully applied for and approved a loan of HK$200,000 or above and draw down the loan within 3 months can enjoy the following exclusive offers
Gift Options
Loan amount HK$800,000 and above
Loan amount from HK$300,000 to HK$799,999
Loan amount from HK$200,000 to HK$299,999
Remember to prepare your mobile phone and Hong Kong ID card before applying! The application process will require you to enter a mobile phone verification code. To successfully apply through MoneyHero and receive exclusive rewards, you must successfully complete this step! After completing the application, remember to copy down the application reference number so that you can check the application progress at any time and receive exclusive MoneyHero offers.
- Note down your application reference number shown on the application completion page ("Thank you" Page) for reference (e.g. HKxxxxxxxxxxxxxx)
- Within 7 days of loan approval date, please send (1) the name of the applied product, (2) application date and (3) screenshot of Loan withdrawal confirmation SMS, E-mail to support@moneyhero.com.hk and complete the redemption form sent via email for verification and follow-up.
- Detailed steps: How to redeem exclusive rewards from MoneyHero?
- Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
- MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Standard Chartered Bank has no relation with its redemption, usage and dispute.
- For more details about the promotion, please see Terms and Conditions
From 2 April 2024 12 noon to 30 April 2024 6 p.m., you can get Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 4 (valued at HK$1,072) OR HK$800 Apple Store Gift Card / Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to the bank on or before 30 April 2024, regardless of loan amount, approval or drawdown
Gift Options
- For more details about the promotion, please see Terms and Conditions
Up to HK$7,000 Cash Rebate
Gift Options
Loam Amount HK$1,500,000 and above + repayment period at least 12 months
Loam Amount from HK$600,000 to HK$1,499,999 + repayment period at least 12 months
Loam Amount from HK$200,000 to HK$599,999 + repayment period at least 12 months
Loam Amount from HK$50,000 to HK$199,999 + repayment period at least 12 months
Loam Amount HK$1,500,000 and above + repayment period at least 24 months or above
Loam Amount from HK$600,000 to HK$1,499,999 + repayment period at least 24 months or above
Loam Amount from HK$200,000 to HK$599,999 + repayment period at least 24 months or above
Loam Amount from HK$50,000 to HK$199,999 + repayment period at least 24 months or above
- From 1 March 2024 to 31 May 2024, a client who successfully applied and drawdown the loan online is entitled to enjoy up to HK$7,000 Cash Rebate, an extra HK$1,000 cash rebate will be eligible for a New client whose loan tenor is 36 months or above.
A new client refers to a person who does not currently hold any Standard Chartered Credit Card and/or any loans.
- Terms and Conditions apply.
Gift Options
【Standard Chartered Lucky Draw】
- From 1 March 2024 to 31 May 2024, clients who have
- successfully applied for a Personal Instalment Loan or Debt Consolidation Program online with Standard Chartered Bank (Hong Kong) Limited during the Promotion Period and
- drawn down within three months will be enrolled in the Lucky Draw automatically without further registration in accordance with these terms and conditions.
Number of Winners | Prize |
Total 6 winners (one round for each month & 2 winners per round) | 336,000 Asia Miles (Redemption Reference: Two Set of Europe Business Round Trip Ticket) |
- For more informations see Terms and Conditions
Extra HK$1,000 Cash Rebate (for new client and SCB auto payroll customer)
Gift Options
Loan amount HK$50,000 and above + repayment period at least 36 months
- From 1 March 2024 to 31 May 2024, an extra HK$1,000 cash rebate for a New client who successfully applied and drawdown the loan online and SCB auto payroll customer whose loan tenor is 36 months or above.
A new client refers to a person who does not currently hold any Standard Chartered Credit Card and/or any loans.
- 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!
1. Apply online
2. Upload documents
3. Approve instantly
4. Verify and disburse loan
1. Hong Kong Permanent Identity Card
2. Latest residential address proof showing your name
3. For regular income earners, please enclose latest 1 month’s computer generated Payroll Slip or latest 1 month’s Bank Statements / Passbook showing name, account number and salary entries;
For irregular income earners, please enclose latest 3 months’ computer generated Payroll Slip or latest 3 months’ Bank Statements / Passbook showing name, account number and salary entries;
For self-employed applicants, please enclose a Business Registration Certificate AND latest Profits Tax Demand Note
CNCBI $mart Plus Personal Installment Loan
+ 2 other gift options
Valid until
30 April 2024
+ 8 other gift options
Valid until
30 April 2024
+ 2 other gift options
Valid until
30 April 2024
- APR as low as 1.90%
- Loan amount as high as HK$2,000,000 or 18 times of your monthly salary (whichever is lower)
- Flexible repayment period of 6 to 60 months
- Same day disbursement to your CNCBI account
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
[MoneyHero Exclusive Offer]
- Eligibility:
- successfully apply for CNCBI $mart Plus Personal Installment Loan or CNCBI $mart Plus Personal Installment Loan – Debt Consolidation on MoneyHero from 2 April 2024 6 p.m. till 30 April 2024 6 p.m., and
- choose a repayment period of 12 months or above, and drawdown the loan within 1 month
Gift Options
Loan amount HK$1,500,000 or above + repayment period at least 12 months or above
Loan amount from HK$800,000 to HK$1,499,999 + repayment period at least 12 months or above
Repayment period at least 12 months or above + repayment period from HK$300,000 to HK$799,999
Repayment period at least 12 months or above + loan amount from HK$100,000 to HK$299,999
- All of the Rewards will be issued randomly in colour
- For more details about the promotion, please see Terms and Conditions
Time-limited Offer: From 2 April 2024 6 p.m. to 30 April 2024 6 p.m., you can get Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 4 (valued at HK$1,072) / HK$800 Apple Store Gift Card / Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to the bank on or before 30 April 2024, regardless of loan approval and drawdown
Gift Options
- 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 1.90% is calculated based on loan amount HK$2,000,000, loan tenor of 12 months and monthly flat rate of 0.001%, including a Handling Fee of 1% 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 CNCBI reserves the final discretion to approve the loan application and to determine the applicable interest rate and handling fee.
- 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!
1. HKID card / passport / other identification document
2. Bank statement or passbook showing your latest 1-month income proof (including the copy of front cover page
of your passbook which shows your name and account number) or any type of income proof. Please provide
the latest 2-month income proof if you are commission based income earner
3. If you are self-employed, please provide Business registration certificate and the latest profits tax demand note, and
the latest 3-month company account statements
4. Residential address proof showing your name issued within the latest 3 months (e.g. electricity bills or bank statements)
5. Proof of professional qualification (For professionals only)
6. Office address proof if office address is selected as correspondence address
7. If you are not holder of Hong Kong permanent identity card, please submit passport/ Exit/ Entry Permit for Travelling to and from Hong Kong and Macau/ identity card of place of origin and working visa issued by the Hong Kong SAR Government
8. Full copy of the front cover page of passbook / bank statement of the loan disbursement account
9. Autopay authorization form
10. Loan confirmation letter(s) or latest 1-month statement(s) (showing your name and account number) of credit card(s) and loan(s) that you wish to transfer to CNCBI $mart Plus Personal Installment Loan
Citi Tax Season Loan
+ 2 other gift options
Valid until
30 April 2024
+ 12 other gift options
Valid until
30 April 2024
+ 2 other gift options
Valid until
30 April 2024
+ 15 other gift options
Valid until
30 April 2024
- Same-day approval and same-day loan disbursement
- The loan amount is up to 12 times of the monthly salary or HK$3,500,000, whichever is lower
- Repayment term up to 60 months, HK$0 handling fee
- No hidden terms and conditions
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
[MoneyHero Exclusive Offer]
From 8 April 2024 12 noon to 30 April 2024 6 p.m., successfully apply for Citi Tax Season Loan or Citi Card Debt Consolidation Loan on MoneyHero , choose a repayment period of 12 months or above, and drawdown the loan within 1 month to enjoy the MoneyHeron exclusive offer
Gift Options
Loan amount HK$2,000,000 or above + repayment period at least 12 months
Loan amount from HK$800,000 to HK$1,999,999 + repayment period at least 12 months
Loan amount from HK$300,000 to HK$799,999 + repayment period at least 12 months
Loan amount from HK$200,000 to HK$299,999 + repayment period at least 12 months
Loan amount from HK$100,000 to HK$199,999 + repayment period at least 12 months
- All of the Rewards will be issued randomly in colour
- For more details about the promotion, please see Terms and Conditions
Gift Options
[MoneyHero Exclusive Offer] Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 5 (valued at HK$1,340) OR $1,000 Apple Store Gift Card OR Wellcome Shopping Voucher
- From 2 April 2024 12 noon to 30 April 2024 6 p.m., apply for the Citi Tax Season Loan or Citi Card Debt Consolidation Loan via MoneyHero as a new customer
- For more details about the promotion, please see Terms and Conditions
- Clients who successfully apply for Citi Tax Season Loan or Citi Speedy Cash Loan or Citi Card Debt Consolidation Loan from 1 January 2024 to 30 April 2024 and drawdown the loan on or before 14 May 2024 will be entitled to the following welcome offer
Gift Options
Repayment period at least 25 months + loan amount HK$1,500,000 or above
Repayment period at least 25 months + loan amount from HK$800,000 to HK$1,499,999
Repayment period at least 25 months + loan amount from HK$400,000 to HK$799,999
Repayment period at least 25 months + loan amount from HK$100,000 to HK$399,999
Repayment period from 12 months to 24 months + loan amount HK$1,500,000 or above
Repayment period from 12 months to 24 months + loan amount from HK$800,000 to HK$1,499,999
Repayment period from 12 months to 24 months + loan amount from HK$400,000 to HK$799,999
Repayment period from 12 months to 24 months + loan amount from HK$100,000 to HK$399,999
- The application of Citi Tax Season Loan or Citi Debt Consolidation Loan must be successfully applied on or before 30 April 2024.
The application date is subject to Citibank’s system records
- The Offer for Citigold Private Client/ Citigold Client / Citi ULTIMA cardholder is only applicable to the applicant who fulfill the following requirement from the date of application to the issue date of redemption letter (both dates inclusive):
Citigold Private Client should maintain the account balance at HK$8,000,000 or above, Citigold Client should maintain the account balance at HK$1,500,000 or above, and Citi ULTIMA cardholder needs to hold the Citi ULTIMA card.
A cash coupon redemption letter will be mailed to the eligible customers’ Hong Kong correspondence address according to Citibank’s record
For more details about the promotion, please see Terms and Conditions
- The Offer for Citigold Private Client/ Citigold Client / Citi ULTIMA cardholder is only applicable to the applicant who fulfill the following requirement from the date of application to the issue date of redemption letter (both dates inclusive):
- Citigold Private Client should maintain the account balance at HK$8,000,000 or above, Citigold Client should maintain the account balance at HK$1,500,000 or above, and Citi ULTIMA cardholder needs to hold the Citi ULTIMA card.
- Offers are only applicable to customers who do not hold any Personal Loan account offered by Citibank (Hong Kong) Limited at the time of application
- A cash coupon redemption letter will be mailed to the eligible customers’ Hong Kong correspondence address according to Citibank’s record
- Each eligible customer can enjoy the Reward once during the promotion period
- "Same day approval and same day loan disbursement" is only applicable to selected customers who successfully submit the required documents together with a filled in application form before 10am of that working day (Monday to Friday). Actual approval and loan disbursement time may differ based on the information provided
- The Annualised Percentage Rate ("APR") of 1.78% is calculated based on the monthly flat rate 0.08% with loan amount of HK$3,500,000 and repayment tenor of 12 months. The actual APR applicable may differ. 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.
- To borrow or not to borrow? Borrow only if you can repay!
WeLab Bank Card Debt Consolidation Loan
+ 2 other gift options
Valid until
30 April 2024
+ 9 other gift options
Valid until
30 April 2024
+ 1 other gift options
Valid until
30 April 2024
+ 6 other gift options
Valid until
30 April 2024
- The whole process is done by mobile phone, you can borrow without leaving home or showing up
- Reduce interest expense up to 97% and enjoy HK$0 handling fee
- Tailor a personalized repayment plan for you to centralize card debts and pay off the debts in one go
- Loan amount up to HK$1,500,000 or up to 18x monthly salary (whichever is lower)
- Loan tenor options available up to 72 months
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
Successfully applied and drawdown the Card Debt Consolidation Loan from WeLab Bank with entered the referral code "NLHERO" from 1 December 2023 to 30 April 2024 to enjoy:
Gift Options
Repayment period 36 months and above + loan amount from HK$1,000,000 to HK$1,500,000
Repayment period 36 months and above + loan amount from HK$400,000 to HK$999,999
Repayment period 36 months and above + loan amount from HK$200,000 to HK$399,999
Repayment period 36 months and bove + loan amount from HK$100,000 to HK$199,999
Repayment period from 24 months to 35 months + loan amount from HK$1,000,000 to HK$1,500,000
Repayment period from 24 months to 35 months + loan amount from HK$200,000 to HK$999,999
- Customers are required to enter in email address when applying loan through MoneyHero official website, then MoneyHero will send a reward redemption form via email for customers to fill in.
- Eligible customers should complete the reward redemption form by filling in the required information as below and submit to MoneyHero within 7 days for verification:
- loan application number (which is the reference number provided on the webpage after loan application is submitted to WeLab Bank via online); and contact details
- The redemption process may take at least 16 weeks starting from the date on which the eligibility is confirmed by Fubon Bank, depending on the actual situation regarding user approval or other factors that may affect eligibility for the Promotion Reward, redemption letter will be sent by email.
- Eligible Customers are required to reach out to support@moneyhero.com.hk along with their name of loan applied, date of application, to request for a MoneyHero Reward Redemption Form if they did not receive one.
- Tips:
- Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
- Terms and conditions apply.
[MoneyHero Exclusive Offer] - Time-limited HK$800 Apple Store Gift Card / Wellcome Shopping Voucher
- From 1 December 2023 12:00 noon to 30 April 2024 06:00 p.m., you can get extra HK$800 Apple Store Gift Card / Wellcome Shopping Voucher upon successful application via MoneyHero with entering the promo code "NLHERO" & submission of documents to the bank on or before 30 April 2024, regardless of loan approval and drawdown
Gift Options
For more details about the promotion, please see Terms and Conditions
Successfully applied and drawdown the Card Debt Consolidation Loan from WeLab Bank with entered the referral code "NLHERO" from 1 December 2023 to 30 April 2024 to enjoy:
Gift Options
Repayment period 36 months and above + loan amount from HK$1,000,000 to HK$1,500,000
Repayment period 36 months and above + loan amount from HK$400,000 to HK$999,999
Repayment period 36 months and above + loan amount from HK$200,000 to HK$399,999
Repayment period 36 months and above + loan amount from HK$100,000 to HK$199,999
Repayment period from 24 months to 35 months + loan amount from HK$1,000,000 to HK$1,500,000
Repayment period from 24 months to 35 months + loan amount from HK$400,000 to HK$999,999
Repayment period from 24 months to 35 months + loan amount from HK$200,000 to HK$399,999
* 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!
1. Apply through WeLab Bank app
2. Upload documents
3. Verify and get approval
4. Disburse loan
1. Address proof within the latest 3 months
2. Income proof
Employed with regular income: latest 1 month;
Freelancer or employed with variable income: latest 3 months
For business owner:
a. latest 3 months personal bank statement, and
b. latest 6 months company bank statements or salary tax demand note
Citi Card Debt Consolidation Loan
+ 2 other gift options
Valid until
30 April 2024
+ 12 other gift options
Valid until
30 April 2024
+ 2 other gift options
Valid until
30 April 2024
+ 15 other gift options
Valid until
30 April 2024
- Same-day approval and same-day loan disbursement
- Repayment term up to 72 months, HK$0 handling fee
- 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
- No hidden terms and conditions
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
[MoneyHero Exclusive Offer]
From 8 April 2024 12 noon to 30 April 2024 6 p.m., successfully apply for Citi Tax Season Loan or Citi Card Debt Consolidation Loan on MoneyHero , choose a repayment period of 12 months or above, and drawdown the loan within 1 month to enjoy the MoneyHeron exclusive offer
Gift Options
Loan amount HK$2,000,000 or above + repayment period at least 12 months
Loan amount from HK$800,000 to HK$1,999,999 + repayment period at least 12 months
Loan amount from HK$300,000 to HK$799,999 + repayment period at least 12 months
Loan amount from HK$200,000 to HK$299,999 + repayment period at least 12 months
Loan amount from HK$100,000 to HK$199,999 + repayment period at least 12 months
- All of the Rewards will be issued randomly in colour
- For more details about the promotion, please see Terms and Conditions
Gift Options
[MoneyHero Exclusive Offer] Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 5 (valued at HK$1,340) OR $1,000 Apple Store Gift Card OR Wellcome Shopping Voucher
- From 2 April 2024 12 noon to 30 April 2024 6 p.m., apply for the Citi Tax Season Loan or Citi Card Debt Consolidation Loan via MoneyHero as a new customer
- For more details about the promotion, please see Terms and Conditions
- Clients who successfully apply for Citi Tax Season Loan or Citi Speedy Cash Loan or Citi Card Debt Consolidation Loan from 1 January 2024 to 30 April 2024 and drawdown the loan on or before 14 May 2024 will be entitled to the following welcome offer
Gift Options
Repayment period at least 25 months + loan amount HK$1,500,000 or above
Repayment period at least 25 months + loan amount from HK$800,000 to HK$1,499,999
Repayment period at least 25 months + loan amount from HK$400,000 to HK$799,999
Repayment period at least 25 months + loan amount from HK$100,000 to HK$399,999
Repayment period from 12 months to 24 months + loan amount HK$1,500,000 or above
Repayment period from 12 months to 24 months + loan amount from HK$800,000 to HK$1,499,999
Repayment period from 12 months to 24 months + loan amount from HK$400,000 to HK$799,999
Repayment period from 12 months to 24 months + loan amount from HK$100,000 to HK$399,999
- The application of Citi Tax Season Loan or Citi Debt Consolidation Loan must be successfully applied on or before 30 April 2024.
The application date is subject to Citibank’s system records
- The Offer for Citigold Private Client/ Citigold Client / Citi ULTIMA cardholder is only applicable to the applicant who fulfill the following requirement from the date of application to the issue date of redemption letter (both dates inclusive):
Citigold Private Client should maintain the account balance at HK$8,000,000 or above, Citigold Client should maintain the account balance at HK$1,500,000 or above, and Citi ULTIMA cardholder needs to hold the Citi ULTIMA card.
A cash coupon redemption letter will be mailed to the eligible customers’ Hong Kong correspondence address according to Citibank’s record
For more details about the promotion, please see Terms and Conditions
- Offers are only applicable to customers who do not hold any Personal Loan account offered by Citibank (Hong Kong) Limited at the time of application
- Each eligible customer can enjoy the Reward once during the promotion period
- The annualized percentage rate (“APR”) ranges from 8.64% to 35.78%, with repayment period of 6 to 72 months.
- The Annualized Percentage Rate ("APR") of as low as 8.64% is calculated based on the monthly flat rate 0.38% 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 HK$200,000 with 12 months repayment period, the monthly flat rate is 0.38% (APR 8.64%), and the total loan repayment amount is HK$1,254,720 (including full handling fee waiver). The above example is for reference only.
- 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 HK$200,000 with 12 months repayment period, the monthly flat rate is 0.38% (APR 8.64%), and the total loan repayment amount is HK$1,254,720 (including full handling fee waiver). The above example is for reference only.
- To borrow or not to borrow? Borrow only if you can repay!
1. Fill in the application form and submit it together with the required documents.
2. Wait for the loan approval result
3. Disburse the loan
1. Hong Kong Permanent Resident Identity Card
2. Income proof,
e.g. latest month's payroll slip, latest salary tax demand note, latest MPF contribution proof or latest three months' payroll account bank statement/account passbook (with first page showing your name and account number)
3. Latest three months' full set of main bank statement/account passbook (with first page showing your name and account number)
4. Latest residential address proof (e.g. electricity bill or bank statement)
5. Any other documents or certificates deemed appropriate.
Fubon Perfect Fit Personal Loan
+ 9 other gift options
Valid until
30 April 2024
+ 1 other gift options
Valid until
30 April 2024
Valid until
30 September 2024
+ 3 other gift options
Valid until
30 April 2024
- Annualized Percentage Rate (“APR”) as low as 2.38%, monthly interest rate as low as 0.1068%
- HK$0 handling fee
- Loan amount up to 12 times of monthly salary or a maximum of HK$2,000,000 (whichever is lower)
- Tenor up to 60 months
- Follow up by our specialist. Receive your preliminary approval result in as fast as 30 minutes. Same day loan disbursement upon the receipt of final approval result
- [Smart Rate] APR 2.38% calculated based on a monthly flat rate of 0.1068%, loan amount of HK$1,500,000 and repayment period of 12 months. The actual APR may vary for individual customers and subject for final approval
Exclusive Offer: From 21 March 2024, 12 p.m. till 30 April 2024, 6 p.m., successfully apply and complete drawdown within 1 month after application of the loan amount via MoneyHero using the promocode 「MHRL03」 with a tenor of 12 months or above to enjoy up to HK$10,000 Apple Store Gift Card OR Wellcome Shopping Voucher
Gift Options
Loan amount HK$1,000,000 or above
Loan amount from HK$600,000 to HK$999,999
Loan amount from HK$300,000 to HK$599,999
Loan amount from HK$150,000 to HK$299,999
Loan amount from HK$50,000 to HK$149,999
How to redeem MoneyHero exclusive offer?
- Customers are required to enter in email address when applying loan through MoneyHero official website, then MoneyHero will send a reward redemption form via email for customers to fill in.
Eligible customers should complete the reward redemption form by filling in the required information as below and submit to MoneyHero within 7 days for verification:- loan application number (which is the reference number provided on the webpage after loan application is submitted to Fubon Bank via online); and contact details
The redemption process may take at least 16 weeks starting from the date on which the eligibility is confirmed by Fubon Bank, depending on the actual situation regarding user approval or other factors that may affect eligibility for the Promotion Reward, redemption letter will be sent by email.
Eligible Customers are required to reach out to support@moneyhero.com.hk along with their name of loan applied, date of application, to request for a MoneyHero Reward Redemption Form if they did not receive one.
- Tips:
- Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
- Terms and conditions apply.
[MoneyHero Limited Time Exclusive Offer] - HK$800 Apple Store Gift Card / Wellcome Shopping Voucher
From 21 March 2024, 12 p.m. till 30 April 2024, 6 p.m., apply Fubon Perfect Fit Personal Loan via MoneyHero and upload the required documents (including ID Card, Income Proof and Address Proof) to the Bank during application, enter the promo code「MHRL03」 to get extra HK$800 Apple Store Gift Card OR Wellcome Shopping Voucher upon successful application, regardless of loan amount and whether the application is approved or not.
Gift Options
- For more details about the promotion, please see Terms and Conditions
* Online Application Offer: HK$300 Supermarket Cash Coupon
Gift Options
- For more details of promotion offer, please refer to : More Info - Terms and Conditions
Fubon Bank Offers - Enjoy up to HK$4,800 Cash Rewards
* Loan Drawdown: Up to HK$4,800 Supermarket Cash Coupon
Successful loan drawdown with 36 months tenor or above can receive supermarket cash coupon.
Gift Options
Loan amount HK$1,000,000 or above
Loan amount from HK$500,000 to HK$999,999
Loan amount from HK$200,000 to HK$499,999
Loan amount from HK$100,000 to HK$199,999
- For more details of promotion offer, please refer to : More Info - Terms and Conditions
- Customers who submit application of the Fubon Perfect Fit Personal Loan and successfully drawdown with loan amount HK$100,000 or above and tenor of 36 months or above on or before 30 April 2024 will be entitled up to HK$4,800 supermarket coupons (“Cash Coupon(s)”). Besides, customers who apply via Fubon Bank’s website or Fubon GO Mobile App and drawdown the loan will be entitled extra supermarket cash coupon of HK$300. Cash Coupon(s) redemption letter will be mailed to customer's correspondent address within 1 month after successful drawdown. If the Cash Coupon(s) are out of stock, Fubon Bank (Hong Kong) Limited (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.
- Personalized interest rate offered is determined based on customers’ credit quality and the personal information submitted. The actual APR may vary for individual customers and subject for final approval. The APR ranges from 2.38% to 33.02%, with repayment period of 12 to 60 months. 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.
- Customer has 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.
- Customer has 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.
- The Bank will disburse full loan amount directly to the customer’s designated bank account within 4 -7 working days after successful approval. The corresponding confirmation letter will be mailed to customer. The designated bank (except the Bank) may impose a service charge on the customer's designated bank account for the remittance.
- The Bank reserves the right to offer other interest rates, loan tenors or personal loan plans subject to the approval result of each customer.
- The Bank reserves the right to suspend, vary or cancel the promotion offer and amend the relevant terms and conditions any time without prior notice. In case of disputes, the decision of the Bank is final and conclusive.
- Terms and conditions apply. For details, please visit Fubon Bank website
- To borrow or not to borrow? Borrow only if you can repay!
1. Click "Apply Now".
2. Press "Apply for Personal Loan".
3. Select "Perfect Fit Personal Loan".
4. Submit application and wait for approval.
1. HKID
2. Mobile phone number
3. Residential or mailing address proof
Fubon Balance Transfer Personal Loan
+ 9 other gift options
Valid until
30 April 2024
+ 1 other gift options
Valid until
30 April 2024
Valid until
30 September 2024
+ 5 other gift options
Valid until
30 September 2024
- 1-on-1 loan service consultation. Providing customized repayment plan to well suit your needs
- Annualized Percentage Rate as low as (“APR”) 3.88% (monthly flat rate as low as 0.173%) calculated based on loan amount HK$1,500,000 and 12-month tenor, interest rate offered is determined based on customers’ credit quality and the personal information submitted.
- Settle your consolidated debts and interests in one go! Save interest fee by up to 94%
- Loan amount up to 23 times of monthly salary or a maximum of HK$2,000,000 (whichever is lower)
- Cash amount up to 10 times of monthly salary can be directly credited to your designated bank account
- Tenor up to 72 months for your selection
- HK$0 Handling fee
Apply for the loan on Fubon Bank website or Fubon GO Mobile App to enjoy up to HK$12,000 Apple Store Gift Card OR Wellcome Shopping Voucher
Gift Options
Loan amount HK$1,500,000 and above
Loan amount from HK$800,000 to HK$1,499,999
Loan amount from HK$500,000 to HK$799,999
Loan amount from HK$300,000 to HK$499,999
Loan amount from HK$150,000 to HK$299,999
How to redeem MoneyHero exclusive offer?
- Customers are required to enter in email address when applying loan through MoneyHero official website, then MoneyHero will send a reward redemption form via email for customers to fill in.
Eligible customers should complete the reward redemption form by filling in the required information as below and submit to MoneyHero within 7 days for verification:- loan application number (which is the reference number provided on the webpage after loan application is submitted to Fubon Bank via online); and contact details
The redemption process may take at least 16 weeks starting from the date on which the eligibility is confirmed by Fubon Bank, depending on the actual situation regarding user approval or other factors that may affect eligibility for the Promotion Reward, redemption letter will be sent by email.
Eligible Customers are required to reach out to support@moneyhero.com.hk along with their name of loan applied, date of application, to request for a MoneyHero Reward Redemption Form if they did not receive one.
- Tips:
- Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
- Terms and conditions apply.
From 5 March 2024 06:00 p.m. to 30 April 2024 06:00 p.m., after submitting the “Fubon Bank contact form“ via MoneyHero, Fubon customer service manager will contact you and complete the initial telephone application with you. Upon successful application and regardless the loan result, you will be entitle for a HK$800 Apple Gift Card or Wellcome voucher. (Don’t forget to claim you would like to enjoy MoneyHero limited-time offer via phone application.)
Gift Options
* Online Application Offer: HK$300 Supermarket Cash Coupon
Gift Options
- For more details of promotion offer, please refer to : More Info - Terms and Conditions
* Successfully applied online and draw down the loan: HK$300 Supermarket Cash Coupon
* Successfully draw down the loan with 12 months tenor or above can receive up to HK$18,500 Supermarket Cash Coupon
Gift Options
Loan amount HK$1,800,000 or above
Loan amount From HK$1,200,000 to HK$1,799,999
Loan amount From HK$800,000 to HK$1,199,999
Loan amount From HK$500,000 to HK$799,999
Loan amount From HK$200,000 to HK$499,999
Loan amount From HK$100,000 to HK$199,999
- For more details of promotion offer, please refer to : More Info - Terms and Conditions
* Saving debts consolidation: It assumes that monthly repayment for credit card is all interest, fees and charges (including the current finance charge); plus 1% of the remaining outstanding balance of transactions; plus any amount exceeding the available credit limit and the minimum amount from the previous month which remains unpaid (Minimum aggregate amount of all items is HK$200), repayment period is 503 months and interest rate is 32% per annum (Annualized percentage rate of 35.7%, calculated in accordance with the guidelines as set out in the Code of Banking Practice, is a reference rate). The above monthly repayment amount is calculated by taking the average of the first 6-month repayment amount.
* Assuming that credit card outstanding as mentioned in the above example is transferred to Fubon "Balance Transfer Personal Loan" and 60-month tenor is chosen, loan amount is HK$500,000. Monthly flat rate is also assumed to be 0.2759% (Annualized percentage rate of 6.38%, 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 other interest rates, loan tenors or personal loan plans subject to the approval result of each customer.
* 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.
Terms and conditions apply. For details, please visit Fubon Bank website
* To borrow or not to borrow? Borrow only if you can repay!
1. Click "Apply Now" via Fubon online platform.
2. Press "Apply for Personal Loan".
3. Select "Balance Transfer Personal Loan".
4. Submit application and wait for approval.
1. HKID
2. Mobile phone number
3. Residential or mailing address proof
HSBC Personal Instalment Loan
+ 11 other gift options
Valid until
07 May 2024
- APR as low as 2.28% (monthly flat rate as low as 0.11%); HK$0 handling fee
- 1-minute approval; no income proof is required if you have maintained an auto payroll account with HSBC for one month or above
- Borrow up to HK$3,000,000 or 23 times your monthly salary, whichever is lower
- Flexible repayment period from 6 months to 60 months
- Cash withdrawal from over 1,000 HSBC's ATMs and branches
- 30-day cooling-off period; waiver of early redemption fees
Limited Time Offer - Enjoy up to HK$6,300 Cash Rebate
From 11 April 2024 to 7 May 2024, enjoy up to HK$6,300 cash rebate for success Personal Instalment Loan application, including the successful application offer (up to HK$6,000) and document submission offer (HK$300)
Gift Options
If you submit the required supporting document(s) and a Loan HK$100,000 or above is approved
Eligible Loan Amount Range from HK$100,000 to HK$199,999 + eligible tenure range 24 months
Eligible Loan Amount Range from HK$100,000 to HK$199,999 + eligible tenure range from 25 months to 60 months
Eligible Loan Amount Range from HK$200,000 to HK$299,999 + eligible tenure range 24 months
Eligible Loan Amount Range from HK$200,000 to HK$299,999 + eligible tenure range from 25 months to 60 months
Eligible Loan Amount Range from HK$300,000 to HK$999,999 + eligible tenure range 24 months
Eligible Loan Amount Range from HK$300,000 to HK$999,999 + eligible tenure range from 25 months to 60 months
Eligible Loan Amount Range from HK$1,000,000 to HK$1,499,999 + eligible tenure range from 12 months to 24 months
Eligible Loan Amount Range from HK$1,000,000 to HK$1,499,999 + eligible tenure range from 25 months to 60 months
Eligible Loan Amount Range HK$1,500,000 or above + eligible tenure range from 12 months to 24 months
Eligible Loan Amount Range HK$1,500,000 or above + eligible loan amount range from 25 months to 59 months
Eligible Loan Amount Range HK$1,500,000 or above + eligible tenure range 60 months
- The offer of APR as low as 2.28% applies only to the customer who successfully apply for and draw down an approved loan of HK$1,500,000 or above during the promotional period. The monthly flat rate is 0.11% and the respective Annualised Percentage Rate (APR) is 2.29% (calculated including HK$1,500 cash rebate under the Successful Application Offer) and 2.47% (calculated without any cash rebate) for a repayment period of 12 months.
- The APR is calculated using method specified in relevant guidelines issued by the Hong Kong Associations 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
- 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.
- To borrow or not to borrow? Borrow only if you can repay!
1. Apply online (only eligible for the HSBC account holder) or by phone
2. Upload documents
3. Wait for the approval
4. Verify and disburse loan
Regular income earners:
1. Past 1 month income proof
2. For non-permanent HKID card holders, please also provide HKID card copy and working visa / employment contract / employment letter
Irregular income earners / Self employed:
1. Latest 3 months income proof or Latest tax demand note
2. For non-permanent HKID card holders, please also provide HKID card copy working visa / employment contract / employment letter
Auto payroll customers / Customers with pre-approved loan offers:
No need to submit any document.
DBS Personal Instalment Loan
+ 2 other gift options
Valid until
30 April 2024
+ 19 other gift options
Valid until
31 May 2024
+ 5 other gift options
Valid until
30 April 2024
Valid until
30 April 2024
- Annualised Percentage Rate as low as 2.20%; APR includes the handling fee 2%
- Handling fee refers to the loan setup fee. The Loan Set Up Fee is 2% of the loan amount. The Loan Set Up Fee shall be calculated by reference to the principal amount of the loan at the rate specified by the Bank from time to time and shall be deducted from the loan principal amount upon drawdown of the loan and is non-refundable.
- Loan amount up to HK$2,000,000 or 20x monthly salary (whichever is lower), flexible repayment period of up to 60 months
- No income proof is required
- Anytime to redraw your repaid principal
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
The customer is entitled to reward an up to HK$10,800 exclusive supermarket coupon or Apple Gift Card upon the following requirements are satisfied
Gift Options
HK$1,500,000 and above
From HK$1,000,000 to HK$1,499,999
From HK$500,000 to HK$999,999
From HK$300,000 to HK$499,999
From HK$100,000 to HK$299,999
- Successfully apply for the Loan via MoneyHero;
- From 1 April 2024 to 31 May 2024: successfully apply for the Loan;
- On or before 21 June 2024: draw down the approved Loan;
- Terms and Conditions apply
Gift Options
From 42 months To 60 months + eligible loan range HK$1,000,000 above
From 42 months To 60 months + eligible loan range from HK$500,000 To HK$999,999
From 42 months To 60 months + eligible loan range from HK$300,000 To HK$499,999
From 12 months To 36 months + eligible loan range HK$1,000,000 above
From 12 months To 36 months + eligible loan range from HK$300,000 To HK$999,999
From 12 months To 60 months + eligible loan range from HK$100,000 To HK$299,999
- Successfully applied for the loan via DBS website or DBS Card+ Smart Phone App
- From 1 April 2024 till 30 April 2024 (Promotion Period), successfully applied for the loan within the promotion period;
- Successfully drawdown the loan on or before 22 May 2024;
- A redemption letter will be sent to the eligible customer by mail within 4 months after the end of the Promotion Period for the customer to redeem the Coupons at designated redemption center. Use of the Coupons is subject to the terms and conditions stipulated by the supplier.
- The Extra Award will be awarded to the eligible customers via the red “InstaRedeem” button of DBS Card+ upon eligible customers spend with the Applicable Credit Card (as defined in Clause 10a) issued by the Bank during 1 September 2024 to 28 February 2025 (“Extra Award Period”) and when the spending is displayed on the spending page of DBS Card+. Customers can use the Extra Award received to set off the amount payable for that transaction via the “InstaRedeem” function of DBS Card+.
- To receive the Extra Award, customers must:
hold a valid principal credit card issued by the Bank (including Co-branded Cards, except Private Label Cards and Business Cards) ("Applicable Credit Card"), choose the DBS$ Redemption Scheme under the DBS$ Reward Scheme for that Applicable Credit Card, download DBS Card+, register and activate DBS Card+ account successfully, enable the “InstaRedeem” push notification of DBS Card+ on 31 July 2024. For customer who holds more than one valid principal credit card issued by the Bank on 31 July 2024, his/her Applicable Credit Card is by default based on the following priority:
Earn HK$300 "InstaRedeem" by fulfilling the following requirements:
Gift Options
From 12 months To 60 months + eligible loan range HK$100,000 above
- Successfully applied for the loan via DBS website or DBS Card+ Smart Phone App;
- From 1 April 2024 till 30 April 2024 (Promotion Period), successfully applied for the loan within the promotion period;
- Successfully drawdown the loan on or before 22 May 2024;
- A redemption letter will be sent to the eligible customer by mail within 4 months after the end of the Promotion Period for the customer to redeem the Coupons at designated redemption center. Use of the Coupons is subject to the terms and conditions stipulated by the supplier.
- The Extra Award will be awarded to the eligible customers via the red “InstaRedeem” button of DBS Card+ upon eligible customers spend with the Applicable Credit Card (as defined in Clause 10a) issued by the Bank during 1 September 2024 to 28 February 2025 (“Extra Award Period”) and when the spending is displayed on the spending page of DBS Card+. Customers can use the Extra Award received to set off the amount payable for that transaction via the “InstaRedeem” function of DBS Card+.
- To receive the Extra Award, customers must:
hold a valid principal credit card issued by the Bank (including Co-branded Cards, except Private Label Cards and Business Cards) ("Applicable Credit Card"), choose the DBS$ Redemption Scheme under the DBS$ Reward Scheme for that Applicable Credit Card, download DBS Card+, register and activate DBS Card+ account successfully, enable the “InstaRedeem” push notification of DBS Card+ on 31 July 2024. For customer who holds more than one valid principal credit card issued by the Bank on 31 July 2024, his/her Applicable Credit Card is by default based on the following priority:
- Minimum salary requirement: fixed annual income of HK$80,000 or above
- A redemption letter will be sent to the eligible customer by mail within 4 months after the end of the Promotion Period for the customer to redeem the Coupons at designated redemption center. Use of the Coupons is subject to the terms and conditions stipulated by the supplier.
- The Extra Award will be awarded to the eligible customers via the red “InstaRedeem” button of DBS Card+ upon eligible customers spend with the Applicable Credit Card (as defined in Clause 10a) issued by the Bank during 1 September 2024 to 28 February 2025 (“Extra Award Period”) and when the spending is displayed on the spending page of DBS Card+. Customers can use the Extra Award received to set off the amount payable for that transaction via the “InstaRedeem” function of DBS Card+.
- To receive the Extra Award, customers must:
hold a valid principal credit card issued by the Bank (including Co-branded Cards, except Private Label Cards and Business Cards) ("Applicable Credit Card"), choose the DBS$ Redemption Scheme under the DBS$ Reward Scheme for that Applicable Credit Card, download DBS Card+, register and activate DBS Card+ account successfully, enable the “InstaRedeem” push notification of DBS Card+ on 31 July 2024. For customer who holds more than one valid principal credit card issued by the Bank on 31 July 2024, his/her Applicable Credit Card is by default based on the following priority: - The Reward is only applicable to eligible customer whose loan account is in good standing and not in default (as determined by DBS at its sole discretion)
- Existing customers refer to the customer who has any principal credit cards (including co-branded cards) and/or personal loan products with DBS Bank on the date of application
- APR as low as 2.20%: The APR of 2.20% is calculated based on the loan amount of HK$2,000,000, a monthly flat rate of 0.01%, and instalment period of 24 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!
1. Apply online or by phone
2. Verify your personal details and declare your financial liabilities
3. Credit check
4. Select a loan plan
5. Select disbursement details
6. Disburse the loan
1. HKID card
2. Latest 3 months’ income proof
3. Address proof (issue date within 6 months)
4. Practicing certificate issued by relevant association, if you are a professional (e.g. medical doctor, accountant, lawyer or engineer)
5. Banking statement / passbook showing your name and account number
DBS Debt Consolidation Loan
+ 2 other gift options
Valid until
30 April 2024
+ 7 other gift options
Valid until
30 April 2024
+ 1 other gift options
Valid until
30 April 2024
+ 4 other gift options
Valid until
30 April 2024
Valid until
30 April 2024
- Monthly flat rate as low as 0.11% (Annualised percentage rate: 6.38%)
- The Loan Set Up Fee is 2% of the loan amount. The Loan Set Up Fee shall be calculated by reference to the principal amount of the loan at the rate specified by the Bank from time to time and shall be deducted from the loan principal amount upon drawdown of the loan and is non-refundable
- High loan amount up to HK$2,000,000 or 21x monthly salary (whichever is lower)
- Flexible repayment period of up to 84 months
- Reduce interest expense by up to 93%
- No income proof is required
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
MoneyHero Exclusive Offer for New Customers
Customer is entitled to a reward HK$11,000 exclusive supermarket coupon or Apple Store Gift Card upon the following requirements are satisfied
Gift Options
Eligible Loan Range HK$1,000,000 above
Eligible Loan Range From HK$700,000 To HK$999,999
Eligible Loan Range From HK$300,000 To HK$699,999
Eligible Loan Range From HK$100,000 To HK$299,999
- Successfully apply for the Loan via MoneyHero ;
- From 1 April 2024 to 30 April 2024: successfully apply for the Loan;
- On or before 22 May 2024: draw down the approved Loan;
- Terms and Conditions apply
[MoneyHero Exclusive Offer] - Time-limited HK$1,000 Apple Store Gift Card / Wellcome Shopping Voucher
- From 1 April 2024 12 noon to 30 April 2024 6 p.m., you can get extra HK$1,000 Apple Store Gift Card / Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to the bank on or before 10 May 2024, regardless of loan approval and drawdown
Gift Options
- For more details about the promotion, please see Terms and Conditions
Gift Options
Eligible Loan HK$1,500,000 above
Eligible Loan From HK$1,000,000 To HK$1,499,999
Eligible Loan From HK$700,000 To HK$999,999
Eligible Loan From HK$300,000 To HK$699,999
Eligible Loan From HK$100,000 To HK$299,999
- Successfully apply via DBS website or DBS Card+ Apps
- From 1 April 2024 to 30 April 2024 (Promotion Period): Successfully apply DBS Debt Consolidation Loan
- On or before 22 May 2024: Successfully drawdown the loan
- A redemption letter will be sent to the eligible customer by mail within 4 months after the end of the Promotional Period for the customer to redeem the Coupons at designated redemption center. Use of the Coupons is subject to the terms and conditions stipulated by the supplier.
Gift Options
Eligible Loan HK$100,000 above
- Successfully apply via MoneyHero
- From 1 April 2024 to 30 April 2024 (Promotion Period): Successfully apply DBS Debt Consolidation Loan
- On or before 22 May 2024: Successfully drawdown the loan
- A redemption letter will be sent to the eligible customer by mail within 4 months after the end of the Promotional Period for the customer to redeem the Coupons at designated redemption center. Use of the Coupons is subject to the terms and conditions stipulated by the supplier.
* Coupons are only applicable to customers whose Loan accounts are in good standing and not in default (as determined by the Bank at its sole discretion)
* 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.
1. Apply online or by phone
2. Fill in personal and employment information
3. Confirm the information
4. Wait for the approval result
5. Disburse the loan
1. HKID card
2. Latest 3 months’ income proof
3. Address proof (issue date within 6 months)
4. Practicing certificate issued by relevant association, if you are a professional (e.g. medical doctor, accountant, lawyer or engineer)
5. Banking statement / passbook showing your name and account number
CCB (Asia) Personal Instalment Loan
+ 1 other gift options
Valid until
25 April 2024
+ 1 other gift options
Valid until
25 April 2024
+ 4 other gift options
Valid until
25 April 2024
+ 1 other gift options
Valid until
25 April 2024
- Monthly flat rate as low as 0.083%, APR as low as 1.85%
- Income proof and address proof waiver for applying loan amount up to HK$100,000
- Handling fee wavier
- Loan amount up to HK$3,000,000 or 12 times of monthly salary (whichever is lower)
From 20 November 2023 6 p.m. to 25 April 2024 (both dates inclusive), a customer is entitled to HK$3,000 Apple Store Gift Card / Wellcome Shopping Voucher upon successful application of the designated personal loan
Gift Options
- For details, please see Terms and Conditions.
From 20 November 2023 6 p.m. to 25 April 2024, you can get extra HK$800 Apple Store Gift Card / Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to the bank on or before 25 April 2024, regardless of loan approval and drawdown
Gift Options
- For more details, please see the Terms and Conditions
Limited Offer - Enjoy up to HK$8,000 Cash Rebate for successful application
- From 27 March 2024 to 25 April 2024, enjoy up to HK$8,000 cash rebate for success Personal Instalment Loan application with required documents, details as below:
Gift Options
only 24 months + from HK$100,001 to HK$399,999
only 24 months + from HK$400,000 to HK$3,000,000
at least 36 month(s) + from HK$100,001 to HK$299,999
at least 36 months + from HK$400,000 to HK$2,999,999
at least 36 months + HK$3,000,000
- Promotion period: From 27 March 2024 to 25 April 2024
- Successfully apply for the CCB (Asia) Personal Instalment Loan and submit all the required documents
Gift Options
Limited Offer
- From 27 March 2024 till 25 April 2024, customers who successfully applied for CCB (Asia) Personal Instalment Loan or CCB (Asia) “Low Interest” Balance Transfer Program and submitted all of the related documents via the CCB (Asia)
Mobile App are entitled to an additional HK$1,500 Cash Rebate; customers can also enjoy HK$500 Cash Rebate if apply via online.
- The Annualized Percentage Rate (“APR”) 1.85% is calculated based on 12 months repayment period and loan amount of HK$3,000,000 with monthly flat rate of 0.083%
- 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
- The above interest rate offer is applicable to the good credit rating customers, China Construction Bank (Asia) Corporation Limited will counter offer another interest rate offer to the fair credit rating customers upon loan approval. Please contact the staff for details. 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!
Hang Seng Debt Consolidation Instalment Loan
- Up to HK$26,000 cash rebate
- 0% handling fee
- Loan amount of up to 21 times of your monthly salary ; Repayment periods up to 72 months
- With personalised interest rate to save your interest expenses
- Enjoy extra cash up to 8 times of your monthly salary while settling your outstanding card and loan balance
- Only the latest month's income proof is required, people from all sectors are welcome to apply
-
The promotion period commences on 26 June 2023 and expires on 24 December 2023
-
For a loan of HK$200,000 calculated based on a monthly flat rate of 0.20% over a 60-month repayment period with all fees and charges waived, the Annualized Percentage Rate ("APR") is 4.65% while the total loan repayment amount HK$224,004.00. The above example is for reference only. The final approved interest rate, loan amount and handling fee are subject to the circumstances of individual cases and credit assessment result.
- All Annualised Percentage Rates are
-
The minimum loan amount is HK$60,000
-
The final approved loan amount is subject to the circumstances of individual cases
-
During the Promotion Period, new customers (not applicable to customers of Hang Seng Personal Loan account(s) (including Handy Cash Personal Instalment Loan, Tax Comforter Loan, Debt Consolidation Instalment Loan, and Handy Cash Personal Revolving Loan) and Unsecured Overdraft Facility at the time of application) who have successfully applied for and drawn down the Loan with loan amount HK$200,000 or above and a minimum repayment period of 24 months will be entitled to the cash rebate offer. The cash rebate amount is calculated based on the loan amount used for settlement of credit card and/or personal instalment loan outstanding amount owed to the third party(ies) (“Outstanding Amount Owed to the Third Party(ies)”) and/or extra cash out amount (collectively referred to as “Total Eligible Loan Amount”). Cash rebate offer is not applicable to the loan amount used for settlement of Hang Seng credit card and/or personal instalment loan outstanding amount (“Outstanding Amount Owed to Hang Seng”). Customers can enjoy a HK$200 cash rebate for each HK$20,000 of Total Eligible Loan Amount, and so on, with a total cash rebate up to HK$25,000 (cash rebate will be rounded down to the nearest hundred dollars).
-
During the Promotion Period, new customers (not applicable to the customer of Hang Seng Debt Consolidation Instalment Loan account at the time of application) who have successfully applied for the Loan via Hang Seng Bank Website, Hang Seng Personal e-Banking, or Hang Seng Mobile Application and drawn down the Loan with a designated drawdown amount and a minimum repayment period of 12 months will be entitled to up to HK$1,000 cash rebate. The applicable cash rebate for the corresponding loan drawdown amount is shown as below:
Loan Draw Down Amount | Repayment Period | Cash Rebate Amount | ||
---|---|---|---|---|
HK$800,000 or above | 12 months or above | HK$1,000 | ||
HK$300,000 - HK$799,999 | HK$400 | |||
HK$80,000 - HK$299,999 | HK$200 |
- The cash rebate of the clauses above will be credited to the eligible customer’s repayment account by 31 March 2024 without prior notice. To be eligible for the relevant cash rebate, customers must have no record of default and early settlement or cancellation of the Loan before the cash rebate is credited. If customers settle or cancel the Loan ahead of schedule where the cash rebate has been credited, he/she shall return the cash rebate in full to Hang Seng Bank Limited upon settlement or cancellation of the Loan. Each eligible customer could enjoy the offer in clauses once only in the Promotion Period.
- Hang Seng reserves the right to request additional income proof from individual applicants on a case-by-case basis
- Terms and Conditions apply. Please visit Hang Seng Bank’s website for details.
- 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.
1. Mobile or online application
2. Submit documents instantly
3. Disburse loan
1. HKID card
2. Income proof:
For regular income earners, please enclose the Bank account monthly statement/ passbook showing your latest one month's salary (if you have maintained a payroll account with Hang Seng for the past one month, no income proof is required)
For irregular income earners, please enclose the Bank account monthly statement/ passbook showing your latest two month's salary.
3. Current residential address proof
4. Any other documents or certificates deemed appropriate
CNCBI $mart Plus Personal Installment Loan – Debt Consolidation
+ 2 other gift options
Valid until
30 April 2024
+ 8 other gift options
Valid until
30 April 2024
+ 2 other gift options
Valid until
30 April 2024
- Loan amount as high as HK$2,000,000 or 21 times of your monthly salary (whichever is lower)
- Loan tenor as long as 72 months with personalized interest rate
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
[MoneyHero Exclusive Offer]
- Eligibility:
- successfully apply for CNCBI $mart Plus Personal Installment Loan or CNCBI $mart Plus Personal Installment Loan – Debt Consolidation on MoneyHero from 2 April 2024 6 p.m. till 30 April 2024 6 p.m., and
- choose a repayment period of 12 months or above, and drawdown the loan within 1 month
Gift Options
Loan amount HK$1,500,000 or above + repayment period at least 12 months or above
Loan amount from HK$800,000 to HK$1,499,999 + repayment period at least 12 months or above
Repayment period at least 12 months or above + repayment period from HK$300,000 to HK$799,999
Repayment period at least 12 months or above + loan amount from HK$100,000 to HK$299,999
- All of the Rewards will be issued randomly in colour
- For more details about the promotion, please see Terms and Conditions
Time-limited Offer: From 2 April 2024 6 p.m. to 30 April 2024 6 p.m., you can get Now E Premier League and LALIGA EA SPORTS 1-Month Pass x 4 (valued at HK$1,072) / HK$800 Apple Store Gift Card / Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to the bank on or before 30 April 2024, regardless of loan approval and drawdown
Gift Options
- 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!
1. HKID card / passport / other identification document
2. Bank statement or passbook showing your latest 1-month income proof (including the copy of front cover page of your passbook which shows your name and account number) or any type of income proof.
Please provide the latest 2-month income proof if you are commission based income earner
3. If you are self-employed, please provide Business registration certificate and the latest profits tax demand note, and
the latest 3-month company account statements
4. Residential address proof showing your name issued within the latest 3 months (e.g. electricity bills or bank statements)
5. Proof of professional qualification (For professionals only)
6. Office address proof if office address is selected as correspondence address
7. If you are not holder of Hong Kong permanent identity card, please submit passport/ Exit/ Entry Permit for Travelling to and from Hong Kong and Macau/ identity card of place of origin and working visa issued by the Hong Kong SAR Government
8. Full copy of the front cover page of passbook / bank statement of the loan disbursement account
9. Autopay authorization form
10. Loan confirmation letter(s) or latest 1-month statement(s) (showing your name and account number) of credit
card(s) and loan(s) that you wish to transfer to $martPlus Debt Consolidation
Mox Instant Clear
- Instant Clear: Clear your external credit card bills now with 0% interest
- With Instant Clear, there is a flexibility to pay other banks or financial institutions’ credit card bills of HK$5,000 and above in easy instalments up to 60 months
- Split Purchase
- You can split any eligible Mox Credit transaction of HK$400 or above
- Applicable for an eligible Mox Credit statement balance of HK$2,000 or above (Split your statement balance once it’s released, anytime until 3 days before the payment due date for that statement)
- Flexible repayment period between 3-60 months
- 1% Unlimited CashBack on your spending
-
Apply for an Instant Clear of HK$5,000 or above with a repayment period of 3 to 6 months, you can enjoy 0% interest, and only a one-off fee listed below will be charged
-
Instant Clear Amount One-off fee A repayment period of 3 months A repayment period of 4-6 months HK$20,000 or below HK$200 HK$300 HK$20,001 to HK$74,999 HK$800 HK$1,200 - For the APR of Instant Clear, please refer to the Mox app
- You need to have a Mox Credit account. Your maximum loan amount depends on your available credit limit.
-
For an Instant Clear application on Mox Credit of HK$20,000, the Annualised Percentage Rate (APR) of 3 months repayment period is as low as 6.24% and 4-6-months repayment period (APR) is as low as 5.34%
-
One-of-fee will be charged for the loan tenor of 3 to 6 months.
-
0% interest refers to the monthly fee on Instant Clear application of repayment period of 3-6 months. Please note that designated one-off fee will be charged, you may refer the APR and related fee in the Mox app for details.
-
The fees for Split Purchase will be reviewed from time to time. For more details, please refer to the Split Purchase Key Facts Statement and Schedule 3 to the General Terms and Conditions on Mox website for details.
-
General Terms and Conditions (in particular, see Schedule 3) and the Mox Credit Key Facts Statement apply.
- To borrow or not to borrow? Borrow only if you can repay!
Mox Instant Loan
+ 5 other gift options
Valid until
30 April 2024
+ 3 other gift options
Valid until
30 April 2024
- For Instant Loan of HK$100,000 into 60 monthly instalments, the Annualised Percentage Rate (APR) is as low as 6.93% and interest is calculated on the basis of a 365-day year
- You can apply for a higher credit limit by simply uploading documents in Mox app
- Apply in just a few clicks, and the cash will go straight to your Mox Account instantly after approval
- You can know the monthly payment, APR, and total payment in Mox app by choosing Instant Loan amount and repayment periods.
- Instant Loan is available at the touch of a button in your Mox app, so you can apply anytime you need, 24/7.
- No additional documents are required
- HK$0 handling fee
- Instant Loan:Enjoy a flexible repayment period between 3 - 60 months
- Pay taxes using "Split Purchase"
- You can split a single or multiple eligible Mox Credit transaction of HK$400 or above
- Applicable for an eligible Mox Credit statement balance of HK$2,000 or above (Split your statement balance once it’s released, anytime until 3 days before the payment due date for that statement)
- Flexible repayment period between 3-60 months
- Earn unlimited CashBack on your spending with Mox Credit
Remember to click here for completing the "MoneyHero Reward Redemption Form" after loan application within 14 days
Gift Options
MoneyHero Limited-Time Exclusive Offer
- Open a Mox Account successfully with the invitation code "MHMOX1200" and successfully apply for Mox Credit via MoneyHero, you can enjoy Delsey ECLIPSE SE 31" Expandable Front Opening Suitcase(Valued at HK$4280; random colour) / Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color) / Nescafe Dolce Gusto Genio S Plus (Valued at HK$1,390 ; random colour) / BRUNO BOE065-PPK Multi Grill Pot (HK$1,098; random color) / HK$1,000 Apple Gift Card OR Trip.com Gift Card
- From 22 April 2024 6 p.m. to 30 April 2024 6 p.m.: New Mox customers who successfully apply for Mox Credit via MoneyHero
- Within 14 days of after receiving the successful application email from Mox when your Mox Credit approved: Submit the reward redemption form sent via email previously
- On or before 31 May 2024: The Mox account and Mox Credit must be approved by Mox, subject to the Bank’s system records
- Tips:
- Please submit the reward redemption form sent via email previously within 14 days of after receiving the successful application email.
- Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
- Remember to have your cell phone and Hong Kong Identity Card ready before applying! It is recommended to submit all the required documents in one go to speed up the approval process.. After successfully submitting the application and opening the Mox account as well as Mox Credit, you will receive an email notice with application reference number (7-digits) in 14 working days. Please be reminded to enter the Invitation Code to get the application reference number, if you don't receive the email, please check your spam folder.
- MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Mox has no relation with its redemption, usage and dispute.
- Terms and Conditions Apply.
Tax loan offer: Enjoy up to HK$8,888 Cash Reward
From 21 March 2024 until 30 April 2024, you can enjoy up to HK$8,888 Cash Reward when you successfully apply for our designed Instant Loan below:
Gift Options
From 49 months or above + from HK$750,000 or above
From 36 months to 48 months + from HK$750,000 or above
From 49 months or above + from HK$250,000 to HK$749,999
From 36 months to 48 months + from HK$250,000 to HK$749,999
- Cash rewards will be credited to your Mox Account on or before 30 June 2024.
- Instant Loan Cash Reward Promotion Terms and Conditions apply
- * You need to have a Mox Credit account. Your maximum loan amount depends on your available credit limit.
- For an Instant Loan on a Mox Credit transaction of HK$750,000 spilt into 49 monthly instalments, the annualised Percentage Rate (APR) is as low as 1.98% (which this includes the cash reward of HK$8,888 which will be credited to your Mox Account on or before 30 June 2024), while the APR excluding cash rewards of Instant Loan Cash Reward Promotion is as low as 2.57%. The APR is calculated using methods specified in relevant guidelines as set out in the Code of Banking Practice. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate. The APR for an Instant Loan is subject to Mox’s final decision on a case-by-case basis and the Mox Credit account status at the time Mox receives the Instant Loan application.
- The maximum amount of an Instant Loan depends on the status of your Mox Credit. For example, your maximum Instant Loan amount will vary depending on factors such as your available credit limit for Mox Credit (Mox will always leave you a buffer of HK$3,000 on your Mox Credit “available to spend”, after deducting the total repayment of your Instant Loan from your credit limit for Mox Credit to allow you to continue spending on Mox Credit)
- The fees for Instant Loan will be reviewed from time to time. For more details, please refer to the General terms and conditions (in particular, Part B ‘Instant Loan of Schedule 3) and the Instant Loan Key Facts Statement on Mox website for details.
- The fees for Split Purchase will be reviewed from time to time. For more details, please refer to the Split Purchase Key Facts Statement and Schedule 3 to the General Terms and Conditions on Mox website for details.
- General Terms and Conditions (in particular, see Schedule 3) and the Mox Credit Key Facts Statement apply.
- The actual turnaround time may vary depending on the actual circumstances of individual applications.
- Terms and conditions apply, please refer to Mox website or Mox app for details.
- To borrow or not to borrow? Borrow only if you can repay!
1. Click "Apply Now" with your mobile device and download Mox Bank App from App Store or Google Play.
2. Create a Mox Account and apply for Mox Credit.
3. Apply for Instant Loan with Mox Credit.
4. Wait for approval.
1. HKID
2. Mobile phone number
3. Residential or mailing address proof
BOC Express Cash Instalment Loan
Valid until
02 July 2024
+ 11 other gift options
Valid until
02 July 2024
- APR as low as 1.85%
- Flexible repayment period from 6 months to 60 months
- Loan amount up to HK$4,000,000 or 18x of your monthly salary (whichever is lower)
- Monthly income of HK$6,000 or above
Gift Options
- An extra HK$500 cash rebate will be entitled by inputting a reference code “AH” on MoneyHero website. Successful application can earn up to HK$7,300 cash rebate (including MoneyHero exclusive cash rebate of extra HK$500).
Gift Options
Loan Amount HK$3,000,000 or above + repayment period 36 months or above
Loan Amount HK$3,000,000 or above + repayment period 24 months
Loan Amount from HK$1,500,000 to HK$2,999,999 + repayment period 36 months or above
Loan Amount from HK$1,500,000 to HK$2,999,999 + repayment period from 24 months
Loan Amount from HK$1,000,000 to HK$1,499,999 + repayment period 36 months or above
Loan Amount from HK$1,000,000 to HK$1,499,999 + repayment period 24 months
Loan Amount from HK$500,000 to HK$999,999 + repayment period 36 months
Loan Amount from HK$500,000 to HK$999,999 + repayment period 24 months
Loan Amount from HK$200,000 to HK$499,999 + repayment period 36 months or above
Loan Amount from HK$200,000 to HK$499,999 + repayment period 24 months
Loan Amount from HK$100,000 to HK$199,999 + repayment period 36 months or above
Loan Amount from HK$50,000 to HK$99,999 + repayment period 36 months or above
Successfully apply and drawdown with a loan amount of HK$200,000 or above, and with repayment tenor of 24 months; OR a loan amount of HK$50,000 or above, and with repayment tenor of 36 months or above
Successfully drawdown the loan on or before 31 July 2024
An extra HK$500 cash rebate will be earned upon successful registration with inputting reference code “AH"
The above reward offer will be directly credited to the BOC repayment account of the eligible customers on or before 31 December 2024 without prior notice
- The quoted interest rate is calculated based on a loan amount of HK$1,500,000 with repayment tenor of 12 months and monthly flat rate of 0.0830%. The Annualised Percentage Rate (“APR”) is 1.85%, with handling fee waiver.
- 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!
1. Apply via online or mobile banking.
2. Please read "Key Facts Statement" and "Terms and conditions" and then press "Agree and continue".
3. Enter information.
4. Authenticate your identity.
5. Enter your loan details.
6. Confirm loan application submitted.
1. Hong Kong Identity Card.
- For applicants who are not holders of Hong Kong permanent ID card, please provide a passport copy.
2. Current Residential Address Proof issued within three months, e.g. electricity bills, rates demand notes or bank statements
- (If the permanent residential address is different from the current residential address, please provide additional permanent residential address proof).
3. Income Proof:
- Bank statements/passbook showing your name, account number and the credit of monthly salary in the past two months; or
- Salary payroll advice dated within one month of application; or
- The latest Tax Demand Note
- Business Registration Certificate and the latest Tax Demand Note (for sole proprietor or a partner in a business)
BOC Express Cash Instalment Loan Balance Transfer
+ 3 other gift options
Valid until
02 July 2024
- APR as low as 5.93%; 1% handling fee
- Repayment period of up to 72 months
- Loan amount up to HK$2,000,000 or 21 times of your monthly salary (whichever is lower)
- Monthly fixed income of HK$6,000 or above
Gift Options
Eligible Loan Amount Range HK$1,000,000 or above
Eligible Loan Amount Range From HK$500,000 to HK$999,999
Eligible Loan Amount Range From HK$200,000 to HK$499,999
Eligible Loan Amount Range From HK$50,000 to HK$199,999
- Successfully apply and drawdown with a loan amount of HK$50,000 or above, and with a repayment tenor of 36 months or above with the promotion period
- Successfully drawdown the loan on or before 31 July 2024
- Successful registration with inputting reference code “AH”
- The above reward offer will be directly credited to the BOC repayment account of the eligible customers on or before 31 December 2024 without prior notice
- 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
- The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider's approval.
- Reminder: To borrow or not to borrow? Borrow only if you can repay!
Dah Sing Express Money Instalment Loan
+ 1 other gift options
Valid until
30 April 2024
+ 1 other gift options
Valid until
30 April 2024
+ 5 other gift options
Valid until
30 April 2024
- APR as low as 2.75%#
- Loan amount up to HKD2,000,000 or 14 times your monthly income (whichever is lower)
- Repayment tenor up to 60 months
- No address or income proof required for instant approval and loan disbursement
[MoneyHero Exclusive Offer] HK$1,200 Apple Store Gift Card / Wellcome Shopping Voucher
From now till 30 April 2024 6 p.m.(both dates inclusive), customers who successfully apply for Dah Sing Express Money Instalment Loan / Credit Mastermind Instalment Loan via MoneyHero, and successfully drawdown by 31 May 2024, can enjoy HK$1,200 Apple Store Gift Card OR Wellcome Shopping Voucher
Gift Options
- For more details about the promotion, please see the Terms and Conditions
[MoneyHero Exclusive Offer] - Time-limited HK$800 Apple Store Gift Card / Wellcome Shopping Voucher
From now till 30 April 2024 6 p.m.(both dates inclusive), you can get extra HK$800 Apple Store Gift Card OR Wellcome Shopping Voucher upon successful application of Dah Sing Express Money Instalment Loan / Credit Mastermind Instalment Loan via MoneyHero, with submission of required documents to Dah Sing Bank upon application, regardless of loan amount or approval
Gift Options
- For more details about the promotion, please see Terms and Conditions
Gift Options
Approved loan amount HK$1,990,000 or above
Approved loan amount from HK$1,000,000 to HK$1,989,999
Approved loan amount from HK$500,000 to HK$999,999
Approved loan amount from HK$200,000 to HK$499,999
Approved loan amount from HK$50,000 to HK$199,999
Approved loan amount from HK$5,000 to HK$49,999
The requirements include:
- From now till 31 May 2024: Successfully drawdown the Express Money Instalment Loan with loan tenor of 12 months or above; and
- maintain or successfully apply for Dah Sing ONE+ Credit Card; and
- *Only applicable to eligible customers who fulfill the above criteria and successfully register or maintain 360° Easy Payroll Services on or before 30 April 2024 (the Promotion Period) and maintain valid Eligible Payroll Transaction on or before the day when Dah Sing Bank credits the cash rebate.
- Promotion period is valid from now till 30 April 2024 (both dates inclusive)
- #APR as low as 2.75% is only applicable to "Selected Customers". Assuming that the approved loan amount is HK$1,990,000, with a 12-month loan tenor and 0.1650% monthly flat rate, APR including the HK$10,000 cash rebate is 2.75%. 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.
- Apply via Dah Sing Bank website / mobile app
- Upload documents
- Get approval result
- Confirm the loan drawdown
- HKID Card
- Latest 1 month's income proof
- Latest 3 months' proof of current residence
Dah Sing Credit Mastermind Instalment Loan
+ 1 other gift options
Valid until
30 April 2024
+ 1 other gift options
Valid until
30 April 2024
+ 5 other gift options
Valid until
30 April 2024
- Monthly flat rate as low as 0.11%#
- Loan approval and drawdown as quick as 24 hours
- Loan amount up to HKD2,000,000 or 23 times your monthly income (whichever is lower)
- Interest savings up to 86%
- Cash out up to 8 times monthly income
[MoneyHero Exclusive Offer] HK$1,200 Apple Store Gift Card / Wellcome Shopping Voucher
From now till 30 April 2024 6 p.m.(both dates inclusive), customers who successfully apply for Dah Sing Express Money Instalment Loan / Credit Mastermind Instalment Loan via MoneyHero, and successfully drawdown by 31 May 2024, can enjoy HK$1,200 Apple Store Gift Card OR Wellcome Shopping Voucher
Gift Options
- For more details about the promotion, please see the Terms and Conditions
[MoneyHero Exclusive Offer] - Time-limited HK$800 Apple Store Gift Card / Wellcome Shopping Voucher
From now till 30 April 2024 6 p.m.(both dates inclusive), you can get extra HK$800 Apple Store Gift Card OR Wellcome Shopping Voucher upon successful application of Dah Sing Express Money Instalment Loan / Credit Mastermind Instalment Loan via MoneyHero, with submission of required documents to Dah Sing Bank upon application, regardless of loan amount or approval
Gift Options
- For more details about the promotion, please see Terms and Conditions
Gift Options
Approved loan amount HK$1,000,000 or above
Approved loan amount from HK$500,000 to HK$999,999
Approved loan amount from HK$200,000 to HK$499,999
Approved loan amount from HK$50,000 to HK$199,999
Approved loan amount from HK$30,000 to HK$49,999
The requirements include:
- Successfully drawdown the Credit Mastermind Instalment Loan with a loan tenor of 12 months or above on or before 31 May 2024
- *Only applicable to eligible customers who successfully register or maintain 360° Easy Payroll Services on or before 30 April 2024 (the Promotion Period) and maintain valid Eligible Payroll Transaction on or before the day when the Dah Sing Bank mails out the redemption letters for the Smartphone or credits the cash rebate.
- Promotion period is valid from now till 30 April 2024 (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 HKD1,000,000, 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.
- Apply via Dah Sing Bank website / mobile app
- Upload documents
- Get approval result
- Confirm and loan drawdown
- HKID Card
- Latest 1 month's income proof
- Latest 3 months' proof of current residence
- Proof of employment
OCBC Bank Personal Loan
+ 2 other gift options
Valid until
30 April 2024
+ 5 other gift options
Valid until
30 April 2024
+ 1 other gift options
Valid until
30 April 2024
+ 9 other gift options
Valid until
30 June 2024
Valid until
30 June 2024
- APR as low as 3.30%
- Loan amount up to HK$2,000,000 or 20X of your monthly salary (whichever is lower)
- Repayment tenor up to 60 months
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
Successfully applied and drawdown for OCBC Personal Loan / Debt Consolidation Personal Loan on MoneyHero from 1 April 2024 till 30 April 2024 and enjoy up to HK$6,000 Apple Store Gift Card / Wellcome Shopping Voucher
Gift Options
Loan amount HK$500,000 or above
Loan amount from HK$300,000 to HK$499,999
Loan amount from HK$100,000 to HK$299,999
- Please refer to the Terms and Conditions for details
From 1 April 2024 till 30 April 2024, new customers who apply OCBC Personal Loan / Debt Consolidation Personal Loan & submission of documents to the bank on or before 30 April 2024 via MoneyHero can get HK$800 Apple Store Gift Card OR Wellcome Shopping Voucher, regardless of loan approval and drawdown
Gift Options
- Please refer to the Terms and Conditions for more details
From 1 April 2024 to 30 June 2024, new Customer who successfully applied and drawdown the loan via Online to enjoy up to HK$10,000 rewards
Gift Options
Repayment period 48 months or above + loan amount HK$1,500,000 or above
Repayment period 12 months or above + loan amount HK$1,500,000 or above
Repayment period 48 months or above + loan amount from HK$1,000,000 to HK$1,499,999
Repayment period 24 months or above + loan amount from HK$1,000,000 to HK$1,499,999
Repayment period 48 months or above + loan amount from HK$500,000 HK$999,999
Repayment period 24 months or above + loan amount from HK$500,000 to HK$999,999
Repayment period 48 months or above + loan amount from HK$300,000 HK$499,999
Repayment period 24 months or above + loan amount from HK$300,000 to HK$499,999
Repayment priod 48 months or above + loan amount from HK$100,000 to HK$299,999
Repayment period 24 months or above + loan amount from HK$100,000 to HK$299,999
- Please refer to OCBC Bank (Hong Kong) Limited - Personal Loan for more details
【Apple Store Gift Card Offer】
New Customer who successfully applied and drawdown the loan via Online to enjoy HK$500 Apple Store Gift Card
Gift Options
- Terms and Conditions apply.
- 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 0.063%, if the loan is approved finally by the Company, the APR for 12 months is 3.30%, with a handling fee of 1% per annum included, the total loan repayment amount is HK$1,500,000.
- Example is for reference only, APR may differ with different loan amounts and tenors.
- For enquiries, please refer to OCBC Bank (Hong Kong) Limited - Personal Loan website.
- To borrow or not to borrow? Borrow only if you can repay!
1. Apply online
2. Upload documents
3. Approve instantly
4. Verify and disburse loan
- Personal Identification Document: HKID card or passport
- Income Proof: Recent pay slip, your bank statement or bank book (with your name and account number) showing your recent income, your recent income tax bill, proof of your last MPF contribution, employment letter or contract, etc.
- Address Proof: Recent bank statement, credit card statement, water bill, telephone bill etc. If your address is shown on your income proof, you will be exempted from submitting the address proof.
- Other documents (if necessary)
- For more details, please click here
OCBC Bank Balance Transfer Personal Loan
+ 2 other gift options
Valid until
30 April 2024
+ 5 other gift options
Valid until
30 April 2024
+ 1 other gift options
Valid until
30 April 2024
+ 9 other gift options
Valid until
30 June 2024
Valid until
30 June 2024
- APR as low as 3.30%
- Loan amount up to HK$2,000,000 or 20X of your monthly salary (whichever is lower)
- Repayment tenor up to 60 months
Gift Options
- From 15 April 2024 6 p.m. to 30 April 2024 6 p.m., complete the "MoneyHero Personal Loan Fiesta" questionnaire with creative answers after applying for the designated products and get a chance to win an additional reward of up to HK$26,980, on top of the existing offer! A total of 20 winners will be selected.
- Please refer to the MoneyHero Personal Loan Fiesta campaign page for details
- Terms and Conditions apply
Successfully applied and drawdown for OCBC Personal Loan / Debt Consolidation Personal Loan on MoneyHero from 1 April 2024 till 30 April 2024 and enjoy up to HK$6,000 Apple Store Gift Card / Wellcome Shopping Voucher
Gift Options
Loan amount HK$500,000 or above
Loan amount from HK$300,000 to HK$499,999
Loan amount from HK$100,000 to HK$299,999
- Please refer to the Terms and Conditions for details
From 1 April 2024 till 30 April 2024, new customers who apply OCBC Personal Loan / Debt Consolidation Personal Loan & submission of documents to the bank on or before 30 April 2024 via MoneyHero can get HK$800 Apple Store Gift Card OR Wellcome Shopping Voucher, regardless of loan approval and drawdown
Gift Options
- Please refer to the Terms and Conditions for more details
From 1 April 2024 to 30 June 2024, new Customer who successfully applied and drawdown the loan via Online to enjoy up to HK$15,000 rewards
Gift Options
Repayment period 48 months or above + loan amount HK$1,500,000 or above
Repayment period 24 months or above + loan amount HK$1,500,000 or above
Repayment period 48 months or above + loan amount from HK$1,000,000 to HK$1,499,999
Repayment period 24 months or above + loan amount from HK$1,000,000 HK$1,499,999
Repayment period 48 months or above + loan amount from HK$500,000 to HK$999,999
Repayment period 24 months or above + loan amount from HK$500,000 HK$999,999
Repayment period 48 months or above + loan amount from HK$300,000 to HK$499,999
Repayment period 24 months or above + loan amount from HK$300,000 HK$499,999
Repayment period 48 months or above + loan amount from HK$100,000 to HK$299,999
Repayment period 24 months or above + loan amount from HK$100,000 to HK$299,999
- Please refer to OCBC Bank (Hong Kong) Limited - Balance Transfer Personal Loan for more details
【Apple Store Gift Card Offer】
New Customer who successfully applied and drawdown the loan via Online to enjoy HK$500 Apple Store Gift Card
Gift Options
- Terms and Conditions apply.
- 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 0.063%, if the loan is approved finally by the Company, the APR for 12 months is 3.30%, with a handling fee of 1% per annum included, the total loan repayment amount is HK$1,500,000.
- 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!
1. Apply online
2. Upload documents
3. Approve instantly
4. Verify and disburse loan
- Personal Identification Document: HKID card or passport
- Income Proof: Recent pay slip, your bank statement or bank book (with your name and account number) showing your recent income, your recent income tax bill, proof of your last MPF contribution, employment letter or contract, etc.
- Address Proof: Recent bank statement, credit card statement, water bill, telephone bill etc. If your address is shown on your income proof, you will be exempted from submitting the address proof.
- Other documents (if necessary)
- For more details, please click here
Need Help with Choosing Bank Loans?
No worries, we’ve got you covered.
What should i do if banks reject my loan applications?
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?
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?
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?
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:
1. Identity Proof: This could be in the form of a Hong Kong ID card or a passport.
2. Proof of Income: This may include a salary statement, bank statement, or tax returns.
3. Proof of Address: This might involve providing a utility bill or a bank statement.
4. Proof of Employment: This could entail an employment contract or a letter from your employer.
5. Collateral Documents: If the loan requires collateral, you will need to provide documents related to the collateral, such as a property deed or a vehicle registration.
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.
Some banks offer faster approval times for certain channels, such as online and in-App applications. Keep in mind that the loan application process may take longer if your credit history or financial situation is complicated.
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:
Bank Loans |
Lending Company Loans |
|
Interest Rates |
Generally lower |
Generally higher |
Loan Approval Process |
More strict |
More lenient |
Requirements |
More strict |
More flexible |
Collateral |
Required for some loans |
Often unsecured |
Repayment Terms |
Less flexible |
More flexible |
Customer Service |
Personalized |
Less personalized |
Loan Amount |
Higher depending on collateral |
Lower |
Loan Purpose |
More strict |
More flexible |
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.