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MoneyHero.com.hk's Providers

Speedy Cash

PopularSponsored Product

Features

From 1 to 30 June 2019, customers are entitled to exclusive supermarket coupon by successful application via MoneyHero.com.hk. Details are as followed:
Loan Amount successfully applied and approved via MoneyHero.com.hkExclusive Supermarket coupon
HK$800,000 or aboveHK$4,000
HK$500,000 to HK$799,999HK$2,000
HK$300,000 to HK$499,999HK$1,500
HK$200,000 to HK$299,999HK$1,000
New Customers who successfully apply for Citi Speedy Cash from 1 April to 30 June 2019, both dates inclusive, and drawn down on or before 15 July 2019 with a specific loan amount and repayment term 12 months or above will be eligible for the following welcome Offer:
Loan AmountMass Offer
HK$600,000 or aboveHK$1,300 cash coupon
HK$400,000 to HK$599,999HK$800 cash coupon
HK$200,000 to HK$399,999HK$400 cash coupon
Repayment term up to 60 months + $0 handling fee
Loan amount up to HK$2,000,000
Offer for reference only
Annualized Percentage Rate as low as 2.23%. The calculation based on the monthly flat rate 0.1% with loan amount of HK$1,500,000 and repayment period 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.

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.

Fixed Loan

Latest OfferSponsored Product
Latest Offer:
From now till 31 July, Samsung Galaxy S10+ (128GB) (value HK$6,998) will be rewarded upon successful application
Straight through online application, face recognition identification, 7x24 direct transfer cash via FPS
Straight through online application, face recognition identification, 7x24 direct transfer cash via FPS

Features

Instant approval and withdrawal, no income proof is required for loan amount of $50,000 or less
10 mins express approval. Cash will be disbursed within 1 hour from loan confirmation
No handling fee, no early settlement fee
For more details, please visit PrimeCredit’s website
Money Lender’s License No.: 383/2019
During the promotion period, Samsung Galaxy S10+ (128GB) (value HK$6,998) will be rewarded for customer who successfully apply for and withdraw PrimeCredit’s designated Personal Loan of HK$120,000 net loan amount with tenor 24 instalments or above.
The promotion period is from 10 June to 31 July 2019 (both days inclusive). Terms and conditions apply. The offers cannot be used in conjunction with other promotions. PrimeCredit reserves the right to terminate the offers or amend the details and terms & conditions without prior notice. For the details of the loan and promotion, please contact PrimeCredit. PrimeCredit reserves its absolute rights on the final loan decision and any disputes.

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.

Debt Consolidation Loan

Latest OfferSponsored Product
Latest Offer:
Earn up to $3,300 Coupons for successful online application
Loan amount up to 21x monthly salary, 72-month repayment
Loan amount up to 21x monthly salary, 72-month repayment

Features

Monthly flat rate as low as 0.04% (Annualised percentage rate: 3.83%)
One-minute approval to get the cash you need
High loan amount up to $2,000,000 or 21x monthly salary (whichever is lower)
Flexible repayment period of up to 72 months
Loan Amount of $50,000 to $299,999 can earn $400 coupon. Loan Amount of $300,000 to $499,999 can earn $800 coupon. Loan Amount of $500,000 to $999,999 can earn $2,000 coupon. Loan Amount of $1,000,000 or above can earn $3,000 coupon
Only customers who successfully apply for Debt Consolidation Loan via DBS Bank (Hong Kong) Limited from 1 to 30 June 2019, and draw down the approved Loan on or before 15 July 2019, will be entitled to extra $300 supermarket cash coupons
Handling Fee: 1.5%
Minimum salary requirement: fixed annual income of $100,000 or above
A redemption letter will be sent to the eligible customer by mail within 2 months after the end of the Promotional Period ( on or before 31 August 2019 ) for the customer to redeem the Coupons at designated redemption center
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). If the customer’s credit standing is unsatisfactory or the customer early repays the full amount of the Loan, the Bank reserves the rights to stop issuing the Coupons or deduct the face value of the Coupons awarded to the customers from the relevant Loan account without prior notice
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.

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.

“Super-Fast” Instalment Loan

MoneyHero.com.hk Exclusive OfferSponsored Product
MoneyHero.com.hk Exclusive Offer:
Cash rebate up to HK$3,000 and HK$400 supermarket coupon
Loan amount up to 12X monthly salary, 60 months repayment
Loan amount up to 12X monthly salary, 60 months repayment

Features

Successfully apply and draw down from 15th April to 16th June, 2019 to enjoy the following
  1. 0% arrangement fee
  2. APR as low as 2.17%
  3. Loan amount of up to 12 times your monthly basic salary (maximum HK$1,200,000)
  4. Cash rebate of up to HK$3,000 and HK$400 supermarket coupon for new customers
APR as low as 2.17% is for reference only. (This includes the cash rebate up to HK$3,000 and supermarket coupon of HK$400 for new customers who apply via MoneyHero.com.hk and draw down a loan by 16th June, 2019. It is calculated as for a loan amount of HK$800,000, with a monthly flat rate of 0.1330%, and a repayment period of 12 months.) Please note that actual APRs may differ.
New Customers who successfully apply for a “Super-Fast” Instalment Loan via MoneyHero through the Internet or their mobile phone and draw down a designated loan amount with designated repayment period by 16th June, 2019 will be eligible for a cash rebate of up to HK$3,000 and supermarket coupon of HK$400.
“New customers” refers to those customers who have not held any BEA deposit account, mortgage loan, consumer loan, credit card, or MPF account in the 6 months prior to the application submission date. BEA reserves the final right to interpret the definition of “new customers”.
Loan amount drawn (HK$) Cash Rebate / Supermarket Coupon and Repayment Period
12 months - 60 months
100,000 – 299,999 HK$600 cash rebate + HK$400 supermarket coupon
300,000 – 799,999 HK$1,000 cash rebate + HK$400 supermarket coupon
800,000 – 1,200,000 HK$3,000 cash rebate + HK$400 supermarket coupon
The customer must have a minimum monthly basic salary of HK$5,000 and have been employed by his/her present employer for at least 3 months.
Cash rebate (if applicable) will be credited to the customer’s repayment account 4 – 6 weeks after the loan drawdown date.
Supermarket coupon redemption email (if applicable) will be sent to the eligible customer’s correspondence email address by MoneyHero.com.hk on or before 31st July, 2019.
In case of dispute, the decision of MoneyHero.com.hk and BEA shall be final and conclusive.

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.

Personal Loan

MoneyHero.com.hk Exclusive OfferSponsored Product
MoneyHero.com.hk Exclusive Offer:
Up to HK$1,800 cash coupon (including HK$800 exclusive reward) for successful applications via MoneyHero.com.hk and drawdown of the approved loan.
Annualized Percentage Rate (“APR”) as low as 3.70% (calculated based on monthly flat rate 0.08% with loan amount of HK$100,000 and repayment period of 12 months); Actual APR may vary due to different loan amount and tenor
Annualized Percentage Rate (“APR”) as low as 3.70% (calculated based on monthly flat rate 0.08% with loan amount of HK$100,000 and repayment period of 12 months); Actual APR may vary due to different loan amount and tenor

Features

From 7 March to 31 August 2019 (both dates inclusive), new customers* who successfully apply and drawdown specific instalment loan amounts with OCBC Wing Hang Credit Limited will be entitled to supermarket cash coupon from the company as follows:
Loan amount (HK$) Supermarket Cash Coupon (HK$)
300,000 or above 1,000
100,000 to 299,999 300
30,000 to 99,999 100
From 7 March to 31 August 2019, new customers will also be entitled to HK$800 exclusive reward from Moneyhero.com.hk by successful application via MoneyHero.com.hk and drawdown of the approved loan with OCBC Wing Hang Credit Limited.
APR as low as 3.70%
Loan repayment tenor can be as long as 60 months
Loan amount of up to 18 times of your monthly basic salary (maximum HK$1,800,000)
*“new customers” refer to those customers who have not opened or maintained (whether in the customer's sole name or jointly with any third party) any loan account (including but not limited to Instalment Loan, Mortgage and Revolving Credit) with OCBC Wing Hang Credit Limited at any time during the 1 month immediately preceding the date of the new customers' loan application.
The cash coupons from OCBC Wing Hang Credit Limited will be mailed to the new customers' correspondence address within 2 months after the date of drawdown of the loan.
The promotion is only applicable to new customers without any past due within 2 months from the date of drawdown. If the customers' loan account is not in good standing or the customers have made an early settlement of the loan, the customers' right to receive the cash coupons from the Company will be forfeited.
To redeem from MoneyHero.com.hk the exclusive rewards, please send your drawdown letter* to coupon@moneyhero.com.hk and complete the redemption form sent via email for verification and follow-up.
  • *For your information security, please cover your private information, such as home address, but leave your name and reference number to verify that your application has been approved.
  • Promotional period: From 7 March to 31 August 2019
Annualized percentage rate ("APR") is a reference rate which includes the basic interest rates and other fees and charges of a product expressed as an annualized rate.
Before you make request for early repayment for Instalment loan, please refer to FAQ" of OCBC Wing Hang Credit Limited website.
Terms and conditions apply. For details, please visit OCBC Wing Hang Credit Limited 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.

“Super-Fast” Debt Clearance Plan

MoneyHero.com.hk Exclusive Offer
MoneyHero.com.hk Exclusive Offer:
Up to HK$5,000 cash rebate (including HK$3,200 exclusive reward) for successful applications via MoneyHero.com.hk during 1 to 30 June 2019. Please click “See more” for more details.

Features

From 1 to 30 June 2019, customers are entitled to following offers:
  1. APR as low as 2.91%
  2. Repayment period of up to 72 months
  3. Loan amount of up to 21 times your monthly basic salary (maximum HK$1,200,000)
  4. New customers of The Bank of East Asia are entitled to following exclusive offers for successful applications via MoneyHero.com.hk during 1 to 30 June 2019 and drawn down before 31 July 2019
Draw Down Loan Amount (HK$) Cash rebate for 12 to 24 months repayment period
1,000,000 – 1,200,000 HK$2,650
500,000 – 999,999 HK$1,250
200,000 – 499,999 HK$850
50,000 – 199,999 HK$450
Draw Down Loan Amount (HK$) Cash rebate for 36 months or above repayment period
1,000,000 – 1,200,000 HK$5,000
500,000 – 999,999 HK$2,050
200,000 – 499,999 HK$1,300
50,000 – 199,999 HK$600
*“New customers” refers to those customers who have not held any BEA deposit account, mortgage loan, consumer loan, credit card, or MPF account in the 6 months prior to the application submission date. BEA reserves the final right to interpret the definition of “new customers”.
The welcome offers for BEA new customers and rewards for online applications cannot be entitled if customers are rewarded for MoneyHero.com.hk exclusive offers.
Cash rebate(s) will be credited to the customer’s repayment account 4 - 6 weeks after the loan draw down date.
The Annualized Percentage Rate ("APR") of 2.91% is calculated based on a monthly flat rate of 0.03%, a loan amount of HK$100,000 and a 12-month repayment period. The APR is calculated according to the standard method set out in the Code of Banking Practice and is rounded up or down to the nearest 2 decimal places. Please note that the actual APR may differ.
In the event of any dispute, the decision of MoneyHero.com.hk and BEA shall be final and conclusive.

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.

Standard Chartered Personal Instalment Loan

MoneyHero.com.hk Exclusive Offer
MoneyHero.com.hk Exclusive Offer:
Up to HK$500 + exclusive HK$1,100 supermarket cash coupon for successful applications of specific loan amounts via MoneyHero.com.hk
0% Handling fee; APR as low as 2.96%; Online Service Pledge
0% Handling fee; APR as low as 2.96%; Online Service Pledge

Features

From 1 May to 30 September 2019, new applicants who successfully apply loan amounts of HK$50,000 to HK$199,999 is entitled for welcome offer HK$200 supermarket cash coupon from Standard Chartered Bank; welcome offer HK$500 supermarket cash coupon for loan amounts of HK$200,000 or above.
Applicants who successfully apply loan amount of HK$100,000 or above via MoneyHero.com.hk is entitled for exclusive HK$1,100 supermarket cash coupon
0% handling fee
Maximum loan amount of up to 18X monthly salary or HK$2,000,000 (whichever is lower)
Max Loan Repayment Tenure: 60 months
Online Service Pledge for application submitted before noon will be followed up within the same business day
To redeem from MoneyHero.com.hk the exclusive rewards, please send your drawdown letter to coupon@moneyhero.com.hk and complete the redemption form sent via email for verification and follow-up.
For your information security, please cover your private information, such as home address, but leave your name, drawdown amount and reference number to verify that your application has been approved.
Promotional period: From 1 to 31 May 2019
The APR and Monthly Flat Rate shown in HK$700,000 or above are the special promotion for selected clients who are also existing Priority Banking clients.
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

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.

Standard Chartered Debt Consolidation Program

MoneyHero.com.hk Exclusive Offer
MoneyHero.com.hk Exclusive Offer:
Up to HK$1,000 + exclusive HK$1,800 supermarket cash coupon for successful applications of specific loan amounts via MoneyHero.com.hk
Monthly flat rate as low as 0.164%; Loan amount up to 18X monthly salary; 72 months repayment
Monthly flat rate as low as 0.164%; Loan amount up to 18X monthly salary; 72 months repayment

Features

From 1 to 30 June 2019, new applicants who successfully apply loan amount of HK$200,000 to HK$499,999 is entitled for welcome offer HK$500 supermarket cash coupon from Standard Chartered Bank; welcome offer of HK$1,000 supermarket cash coupon for loan amount of HK$500,000 or above
Applicants who successfully apply loan amount less than HK$200,000 via MoneyHero.com.hk is entitled for exclusive HK$800 supermarket cash coupon; exclusive HK$1,800 supermarket cash coupon for loan amount of HK$200,000 or above
0% handling fee
Maximum loan amount of up to 18X monthly salary or HK$2,000,000 (whichever is lower)
Max Loan Repayment Tenure: 72 months
Online Service Pledge for application submitted before noon will be followed up within the same business day
To redeem from MoneyHero.com.hk the exclusive rewards, please send your drawdown letter to coupon@moneyhero.com.hk and complete the redemption form sent via email for verification and follow-up.
For your information security, please cover your private information, such as home address, but leave your name, drawdown amount and reference number to verify that your application has been approved.
Promotional period: 1 to 30 June 2019
The APR and Monthly Flat Rate shown in HK$700,000 or above are the special offer to selected clients who are also holding a mortgage loan.
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.

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.

DreamCash Balance Transfer

Latest Offer
Latest Offer:
Up to HK$6,000 Credit Rebate for loan drawdown
Consolidate your outstanding credit card and personal loan balances to a single account; Fixed monthly repayment; Shorten entire repayment period
Consolidate your outstanding credit card and personal loan balances to a single account; Fixed monthly repayment; Shorten entire repayment period

Features

Loan Amount up to HK$1,200,000 or 21 times of monthly salary (whichever is lower)
Customers successfully apply DreamCash Balance Transfer during the promotion period from 25 April 2019 to 31 August 2019 and drawdown on or before 30 September 2019 can get the fabulous offers below:
  1. Transfer each outstanding balance of other banks’ credit card with the amount of HK$50,000 or above to DreamCash Balance Transfer is entitled to HK$200 Credit Card Credit Rebate, up to HK$3,000 Credit Card Credit Rebate.
  2. Extra HK$2,800 Credit Card Credit Rebate for online application.
  3. Extra HK$200 Credit Card Credit Rebate by using the account in Bank of Communications for disbursement and repayment.
Flexible repayment tenor up to 72 months
The final loan amount will be subject to the circumstance of individual customer. The approval of the loan (as well as the final approved loan amount) is subject to the Bank's final decision.
The Bank reserves the rights to terminate the relevant offer without prior notice.

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.

Balance Transfer

MoneyHero.com.hk Exclusive Offer
MoneyHero.com.hk Exclusive Offer:
Up to HK$4,000 Wellcome cash coupon for successful applications via MoneyHero.com.hk
Annualized Percentage Rate as low as 2.23% and monthly flat rate 0.1% (calculation included 30% interest discount); The Actual APR may vary for individual customers
Annualized Percentage Rate as low as 2.23% and monthly flat rate 0.1% (calculation included 30% interest discount); The Actual APR may vary for individual customers

Features

From 1 to 30 June 2019, customers are entitled to exclusive supermarket coupon by successful application via MoneyHero.com.hk. Details are as followed:
Loan Amount successfully applied and approved via MoneyHero.com.hkExclusive Supermarket coupon
HK$800,000 or aboveHK$4,000
HK$500,000 to HK$799,999HK$2,000
HK$300,000 to HK$499,999HK$1,500
HK$200,000 to HK$299,999HK$1,000
30% off on total interest payment, $0 handling fee
Loan amount up to 21X of your monthly salary or HK$1,200,000
Repayment term up to 72 months
The 30% Interest Discount is applicable to customers who apply during Promotion Period from January 1, 2019 to December 31, 2019 and successfully drawdown a Citi Card Debt Consolidation Loan on or before January 10, 2020.
Offer for reference only
The Annualized Percentage Rate ("APR") of 2.23% is calculated based on the monthly flat rate 0.1% with 30% interest discount. 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.

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.
MoneyHero.com.hk compares loans that can be paid back over terms of between 12 and 84 months. The APR interest rate you will be charged will depend on your personal circumstances, and will be between APR: 2% and APR: 59%. This is a representative example of what it may cost: a Loan of HK$200,000 over 12 months at 7.02% APR and monthly interest rate at 0.31% would equate to monthly repayments of HK$17,287, and the total repayment of the loan that you pay back would be HK$207,444.

Need some help?

No worries, we've got you covered!

What is the difference between tax loans and personal loans?

Tax loans are special loans that usually offered from during tax season from October through April of each year while customers can borrow personal loans any time of the year. Tax loans generally offers lower interest rates with smaller loan amount and shorter repayment period. In Hong Kong, banks like BEA, Bank of China, Standard Chartered, Citibank and Fubon bank will provide tax loans starting from mid-October to help customers.

What is the usual maximum loan amount and repayment period for tax loans?

The repayment period for tax loans is usually 12-24 months and some banks even offer loan tenor of six months. The maximum loan amount that applicants can borrow can be up to 10-12 times of their monthly salary.

What should I pay attention to during application for tax loans?

In general, there is not much difference in the procedure of applying for a personal loan and a tax loan, but you have to submit your salaries tax assessment demand notes during application for tax loans. You should also check if the bank will charge you handling fee and early repayment fee, or provide special offers such as cash rebate and handling fee wavier. Compare annualized percentage rate (APR), interest rates, total repayment amount and tenor at MoneyHero.com.hk now to find the tax loan that best suits your needs.

How to apply for a tax loan?How to apply for a tax loan?

The application requirements of tax loans are usually similar to those of personal loans, and the application processes are simple and convenient. Generally, all applicants can apply online or by phone, or visit any branch for inquiry. Supporting documents include Hong Kong Identity card, tax demand note, income proof and residential address proof. After completing the application, the bank or financial institution will inform the borrower of the approval result.

Are tax loans only for tax payment?

The nature of tax loans and personal loans are actually rather similar, but since the interest rates of tax loans are usually lower, some applicants may spend the loan money on specific purposes other than tax payment, such as investment and credit card payment. Please keep in mind that tax loans are short-term loans with the maximum repayment period of two years; and the late payment interest penalties could be very costly, which means you have to bear high risks if you spend the tax loan money on long-term investment.

Does tax loans offer lower interest rates than personal loan?

Interest rates charged on tax loans are generally lower than for personal loans. Nevertheless, the usual repayment period of a tax loan is much shorter than other types of loans, and the max. loan amount is relative lower than other loans. The actual interest rate of a tax loan is affected by loan amount and repayment period.

How can I decide which tax loan is better?

You should compare tax loans offered by different providers using the APR, an annual rate that shows the total yearly cost of borrowing, including any fees and additional charges associated with the loan. This gives you a much better idea of which tax loan costs you the least.

When can I apply for tax loans?

Generally, you can apply for tax loans from October through April of each year.

Why should I apply for a tax loan through MoneyHero.com.hk?

Intense competition appears in the tax loan market every year during the tax season in Hong Kong. In that period, every bank launch new tax loan offers to attract customers with the wording of "lowest interest rate", making it hard for consumers to make a wise decision. MoneyHero.com.hk is a free financial comparison platform that provide the latest information on tax loan products. We keep the list updated in order to help consumers to compare tax loan products at one glance.

What is the advantage of applying tax loan online?

Some banks offer additional discounts for online applicants no matter they are new or existing customers. To maximize your savings, find out which lenders offer these promotions through MoneyHero.com.hk!

Confused about personal loan terms?

Glossary terms to know for first-time personal loan applicants