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Citi Tax Season Loan

Citi Tax Season Loan

MoneyHero Exclusive OfferFeatured Product
Citi Tax Season Loan
$411,520
Total Repayment (as low as)
$11,431
Monthly Repayment (as low as)
1.78%
APR (as low as)Monthly Flat Rate: 0.08%
MoneyHero Exclusive Offer:
Enjoy up to HK$10,000 cash coupon for successful applications via MoneyHero
APR as low as 1.78% (calculation based on the monthly flat rate 0.08% with loan amount of HK$1,500,000 and repayment period of 12 months); the actual APR may vary for individual customers
APR as low as 1.78% (calculation based on the monthly flat rate 0.08% with loan amount of HK$1,500,000 and repayment period of 12 months); the actual APR may vary for individual customers
Standard Chartered Personal Instalment Loan

Standard Chartered Personal Instalment Loan

MoneyHero Exclusive OfferFeatured Product
Standard Chartered Personal Instalment Loan
$413,248
Total Repayment (as low as)
$11,479
Monthly Repayment (as low as)
2.15%
APR (as low as)Monthly Flat Rate: 0.09%
MoneyHero Exclusive Offer:
[7th Anniversary Lucky Draw] Win an iPhone 12 Pro Max (HK$11,899) and enjoy great offers
[MoneyHero Exclusive Offer] Up to HK$4,000 supermarket cash coupon; [Welcome Offer] Up to HK$3,000 cash rebate
[Smart way] APR as low as 1.98% (loan amount HK$200k and tenor of 12 months)
[MoneyHero Exclusive Offer] Up to HK$4,000 supermarket cash coupon; [Welcome Offer] Up to HK$3,000 cash rebate
[Smart way] APR as low as 1.98% (loan amount HK$200k and tenor of 12 months)
PrimeCredit Civil Servant & Professional Loan

PrimeCredit Civil Servant & Professional Loan

MoneyHero Exclusive Offer
PrimeCredit Civil Servant & Professional Loan
$414,400
Total Repayment (as low as)
$11,511
Monthly Repayment (as low as)
2.38%
APR (as low as)Monthly Flat Rate: 0.1%
MoneyHero Exclusive Offer:
[7th Anniversary Lucky Draw] Win an iPhone 12 Pro Max (HK$11,899) and enjoy great offers
[Welcome Offer] Up to HK$12,000 cash bonus
[Security of job] Out of budget? Monthly flat rate as low as 1%
[Welcome Offer] Up to HK$12,000 cash bonus
[Security of job] Out of budget? Monthly flat rate as low as 1%
BOC Express Cash Instalment Loan

BOC Express Cash Instalment Loan

Latest Offer
BOC Express Cash Instalment Loan
$416,531
Total Repayment (as low as)
$11,570
Monthly Repayment (as low as)
2.68%
APR (as low as)Monthly Flat Rate: 0.11%
Latest Offer:
Selected customers can enjoy APR as low as 1.98% and HK$0 handling fee via e-channel application
6 - 60 months repayment period
Loan amount up to HK$2,000,000 or 12 times of your monthly salary
6 - 60 months repayment period
Loan amount up to HK$2,000,000 or 12 times of your monthly salary
CNCBI $mart Plus Personal Installment Loan

CNCBI $mart Plus Personal Installment Loan

MoneyHero Exclusive Offer
CNCBI $mart Plus Personal Installment Loan
$422,320
Total Repayment (as low as)
$11,731
Monthly Repayment (as low as)
2.9%
APR (as low as)Monthly Flat Rate: 0.15%
MoneyHero Exclusive Offer:
[7th Anniversary Lucky Draw] Win an iPhone 12 Pro Max (HK$11,899) and enjoy great offers
[MoneyHero Exclusive Offer] 0% handling fee; Up to HK$4,000 cash rebate
[Flexibility] APR as low as 2.9% (loan amount HK$500k and tenor of 12 months)
[MoneyHero Exclusive Offer] 0% handling fee; Up to HK$4,000 cash rebate
[Flexibility] APR as low as 2.9% (loan amount HK$500k and tenor of 12 months)
Airstar Bank Personal Instalment Loan

Airstar Bank Personal Instalment Loan

MoneyHero Exclusive Offer
Airstar Bank Personal Instalment Loan
$418,576
Total Repayment (as low as)
$11,627
Monthly Repayment (as low as)
2.99%
APR (as low as)Monthly Flat Rate: 0.13%
MoneyHero Exclusive Offer:
[7th Anniversary Lucky Draw] Win an iPhone 12 Pro Max (HK$11,899) and enjoy great offers
[MoneyHero Exclusive Offer] HK$1,000 supermarket coupon
[Virtual bank] 5% p.a. for saving deposit account
[MoneyHero Exclusive Offer] HK$1,000 supermarket coupon
[Virtual bank] 5% p.a. for saving deposit account
Citi Speedy Cash

Citi Speedy Cash

MoneyHero Exclusive Offer
Citi Speedy Cash
$421,600
Total Repayment (as low as)
$11,711
Monthly Repayment (as low as)
3.36%
APR (as low as)Monthly Flat Rate: 0.15%
MoneyHero Exclusive Offer:
Enjoy up to HK$4,000 cash coupon for successful applications via MoneyHero
APR as low as 3.36% (calculation based on the monthly flat rate 0.15% with loan amount of HK$1,500,000 and repayment period of 12 months); The Actual APR may vary for individual customers
APR as low as 3.36% (calculation based on the monthly flat rate 0.15% with loan amount of HK$1,500,000 and repayment period of 12 months); The Actual APR may vary for individual customers
HSBC Personal Instalment Loan

HSBC Personal Instalment Loan

Latest Offer
HSBC Personal Instalment Loan
$423,040
Total Repayment (as low as)
$11,751
Monthly Repayment (as low as)
3.74%
APR (as low as)Monthly Flat Rate: 0.16%
Latest Offer:
Up to HK$100 cash rebate for successful application and document submission
Loan amount of up to HK$1,500,000 or 12 times of the monthly salary
Repayment period up to 60 months
Loan amount of up to HK$1,500,000 or 12 times of the monthly salary
Repayment period up to 60 months
Citi Debt Consolidation loan

Citi Debt Consolidation loan

MoneyHero Exclusive Offer
Citi Debt Consolidation loan
$425,920
Total Repayment (as low as)
$11,831
Monthly Repayment (as low as)
4.04%
APR (as low as)Monthly Flat Rate: 0.18%
MoneyHero Exclusive Offer:
Enjoy up to HK$4,000 cash coupon for successful applications via MoneyHero
APR as low as 4.04% (calculation based on the monthly flat rate 0.18% with loan amount of HK$1,200,000 and repayment period of 12 months); The Actual APR may vary for individual customers
APR as low as 4.04% (calculation based on the monthly flat rate 0.18% with loan amount of HK$1,200,000 and repayment period of 12 months); The Actual APR may vary for individual customers
DBS Debt Consolidation Loan

DBS Debt Consolidation Loan

Latest Offer
DBS Debt Consolidation Loan
$418,720
Total Repayment (as low as)
$11,631
Monthly Repayment (as low as)
4.42%
APR (as low as)Monthly Flat Rate: 0.13%
Latest Offer:
Up to HK$3,300 cash coupon for successful applications of specific loan amounts
Loan amount up to 21x monthly salary, 72-month repayment
Monthly flat rate as low as 0.02% (APR as low as 4.27%)
Loan amount up to 21x monthly salary, 72-month repayment
Monthly flat rate as low as 0.02% (APR as low as 4.27%)
MoneyHero 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!
How to find the right financial products for you?

MoneyHero has partnered with the most trusted banks and financial institutions in Hong Kong to help you find the right financial products for you. Through our comparison engine, you can compare credit cards, personal loans, mortgages, medical insurance, travel insurance, HK stock accounts, US stock accounts, payroll accounts and other financial products. We provide accurate, up-to-date information and an unbiased overview of financial products in Hong Kong so that you can make the best choice, saving your time and money.

What is a Personal Instalment Loan?

A personal instalment loan, also known as an unsecured loan, is a type of loan that allows you to borrow a specific amount of money at any time, and pay it back through several fixed instalments over a period. Unlike a secured loan, which requires a house or a car as part of a collateral security, a personal loan only requires a monthly payments consisting of both the loan's principal and interest. However, if you pay it off on time, you can use the money from your personal loan to finance personal goals. With your personal loan, you will have the funds to use on whatever you like such as: refurbishing your home or planning your next dream holiday. You can simply pay back any personal loans within one to five years, making it a lot simpler to manage your budget whilst repaying it in full.

How can I find different Personal Loan offers in Hong Kong?

Personal loans can be applied in a majority of banks here in Hong Kong. Popular lenders include the likes of Citibank, HSBC, China Construction Bank, Standard Chartered, Hang Seng Bank, WeLend Social Lending, DBS, and many more. These banks offer loans at competitive rates and often paired with equally tempting promotions and offers. With the help of MoneyHero's online comparison tool, you can keep track of all the different lenders on the market and instantly find deals that work for your budget. Compare interest rates, loan amounts, total repayment values and terms offered by Hong Kong's personal loan providers. Find out about other offers such as welcome benefits, special rates, and other promotions and privileges. MoneyHero's comparison tool is free and easy to use. You can find the right personal instalment loan with the lowest monthly rates to suit your needs.

How to apply for a Personal Instalment Loan now?

Can't find free time away to go to the bank? Save time by simply signing up for a personal loan online through MoneyHero. Choose a lender with the best interest rates based on your desired loan amount and repayment period, then click on the Apply Now button. Supplementary information may be needed along with your loan application depending on which lender you apply from. To qualify for a loan, you must be at least 18 years old and a Hong Kong resident. Please note that some providers may ask for proof of income and proof of residence, so please prepare them in advance. Your credit ratings will also be reviewed. Find the best personal loan offers from Hong Kong's top providers. Compare and apply for a personal loan today with the help of MoneyHero. Check our Personal Loans Guide for further information.

What are the advantages of applying for a business loan?

Every company needs funding for cash flow, operations, equipment, expansion, etc. A business loan is specially designed for companies to meet financial needs, bringing loans with high loan amounts, flexible repayment periods, and even unsecured loans and SME loans for companies to bring immediate solutions to capital needs. Please note that SMEs in Hong Kong refer to manufacturing businesses employing less than 100 people and non-manufacturing business with less than 50.

How to choose the best business loan?

There are plenty of business loans, and each one of them meets different needs, making the choice of the best loan a very confusing task. Before applying for a loan, you should first identify the company's financial needs, like how much and how long do you need to borrow, how quickly do you need the money, and the company's repayment ability; and then you have to compare the interest rates, type of loan(e.g. Instalment or revolving loan), loan term, repayment period, approval time and handling fees of various loans. Moreover, some banks have regular promotions to offer cash rebates and attractive interest rates, don't miss this opportunity if you hope to earn more. Please note that some loans require that the company should be operating and registered in Hong Kong for at least one year and have good loan repayment record.

How do banks or financial institutions decide my loan amount?

The maximum loan amount is normally at 6 - 18 times income, and some loans even claim to have no loan limits, but still, it depends on the borrower's income.

Should I choose the personal instalment loan with the lowest monthly interest rate?

Monthly interest rates appear to be attractive, but since handling and administrative fees are not included, we suggest that borrowers should compare the Annual Percentage Rates (APR) of personal instalment loans for a more direct reference and not to ignore the hidden charges.

How long does it take to get a personal instalment loan approved?

Many financial companies claim that they can offer "instant loan approval". However, instant approval only means approval in principle. Your application needs to take at least 60 minutes to get actual approval. Some banks require longer approval period, which usually fall between 2-5 working days.

How to calculate the monthly interest?

Loan borrowers of personal instalment loans will repay the loan monthly with a fixed amount of principal and interest, and the interest for the loan amount will usually be calculated based on a monthly flat rate. If you know your total loan amount, monthly flat rate and repayment period, you can calculate the monthly interest.

What should I consider Before applying a personal instalment loan?

Before applying for a loan, you should ask yourself why you need the money and never over-borrow. and Before you file the application, you should understand your financial situation and repayment ability, consider your loan amount, repayment period and monthly payment, and also read the terms and conditions carefully, including the details about handling fees. Do not apply for a loan to a financial institution with unknown background or bad reputation.

Confused about personal loan terms?

Glossary terms to know for first-time personal loan applicants

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