China CITIC Bank Personal Loan Plans and Interest Rate Comparison
Updated: 24 Oct 2025
- Fill in the online application form
- Submit the required documents
- Receive the approval result
- Confirm offer and disburse loan
- 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
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. 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
7. Full copy of the front cover page of passbook / bank statement of the loan disbursement account
8. Autopay authorization form
9. 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 – Debt Consolidation
- 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 0.22% (calculated based on a loan amount of HK$2,000,000 and a loan tenor of 12 months, including a Handling Fee of 1% per annum; APR is 6.93%). 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 CNCBI reserves the final discretion to approve the loan application and to determine the applicable interest rate and handling fee.
- Terms and conditions apply. To borrow or not to borrow? Borrow only if you can repay! Please visit the website.
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