China Construction Bank (Asia) Personal Loans – Interest Rates, Features, and Offers at a Glance
Updated: 15 Oct 2025
MoneyHero has compiled all personal loan plans from China Construction Bank (Asia) to help you understand the various loan products in detail, including personal installment loans, mortgage loans, car loans, parking space loans, and SME credit offers.
Total Interest
HK$ 2,603Total Repayment
HK$ 302,603APR
1.50 %Handling Fee
HK$ 0For a CCB (Asia) Personal Instalment Loan (Suitable for Tax Season) of HK$300,000 over 12 months, you’ll enjoy via Moneyhero:
You’ll also receive the following welcome gift(s) directly from the lender:
- 3 months 0% interest (Suitable for Tax Season)
- APR as low as 1.5%
- Handling fee wavier
- Loan amount up to HK$3,000,000 or 18 times of monthly salary (whichever is lower)
Required Documents
- Hong Kong Identity Card
- Income proof
- 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)
- Latest three months' full set of main bank statement/account passbook (with first page showing your name and account number)
- Latest residential address proof (for example: electricity bill or bank statement)
Key Features
- Application Eligibility:
-
Aged 18 or above and a Hong Kong Permanent Resident
-
Annual salary of HK$64,000 or above
-
At least 6 months in current employment
-
- APR 1.50% is only applicable to Private Banking or Private Wealth customers of the Bank whose latest Credit Score of TransUnion is within AA grade, loan amount of HK$3,000,000 with 6 months repayment period, and holding a valid HK$ Savings Account / Checking Account in the Bank as repayment account
- 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$103,248 (handling fee is waived). The above example is for reference only. The loan application and terms of the loan are subject to the Bank's approval. The actual APR may vary for individual customer and the final interest rate will be subject to credit condition of the customer
- China Construction Bank (Asia) Corporation Limited reserves the right of final decision on the interest rate and approval result
- To borrow or not to borrow? Borrow only if you can repay!
- The above example is for reference only. The actual APR, total interest and repayment amount may vary for individual customer and subject to the loan amount, repayment period and credit condition of the customer, please contact the staff of the Bank for details.
Total Interest
HK$ 7,920Total Repayment
HK$ 307,920APR
4.95 %Handling Fee
HK$ 0For a CCB (Asia) “Low Interest” Balance Transfer Program of HK$300,000 over 12 months, you’ll enjoy via Moneyhero:
You’ll also receive the following welcome gift(s) directly from the lender:
- Monthly flat rate as low as 0.22%, APR as low as 4.95%
- Repayment period up to 84 months
- Loan amount up to HK$2,000,000 or 21 times the monthly salary (whichever is lower)
- Handling fee wavier
Required Documents
- Hong Kong Identity Card
- Income proof
- 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)
- Latest three months' full set of main bank statement/account passbook (with first page showing your name and account number)
- Latest residential address proof (for example: electricity bill or bank statement)
Key Features
- Application Eligibility:
-
Aged 18 or above and a Hong Kong Permanent Resident
-
Annual salary of HK$64,000 or above
-
At least 6 months in current employment
-
- The Annualized Percentage Rate (“APR”) 4.95% is calculated based on 12 months repayment period and loan amount of HK$2,000,000 with monthly flat rate of 0.22%
-
To borrow or not to borrow? Borrow only if you can repay!
-
The above example is for reference only. The actual APR, total interest and repayment amount may vary for individual customer and subject to the loan amount, repayment period and credit condition of the customer, please contact the staff of the Bank for details.