Standard Chartered 渣打銀行私人貸款借錢利息及優惠一覽
更新日期: 2025年7月9日
透過MoneyHero申請貸款，享受更多優惠和保障
獲取MoneyHero獨家優惠，降低借貸成本
透過MoneyHero申請貸款，你將獲得獨家優惠，幫助你降低借貸成本。無論是現金回贈還是額外獎賞，我們提供的專屬優惠能讓你在獲得貸款的同時，節省更多費用。一頁比較所有貸款選項
在MoneyHero，你可以輕鬆比較來自不同銀行的貸款產品。無需繁瑣的搜索，一頁查看所有選項，幫助你快速找到最合適的貸款方案，讓選擇變得簡單又明確。與信譽良好的合作夥伴合作
MoneyHero與多間信譽良好的金融機構合作，所有推薦的貸款產品都來自經過嚴格篩選的合作夥伴。這讓你能夠放心選擇，確保每一筆貸款都具有可靠性與安全性。
銀行/財務公司 | 每月還款額 | MoneyHero獎賞價值 | 總利息 | 最低實際年利率 | |||
|---|---|---|---|---|---|---|---|
 | 渣打銀行 私人貸款 | HK$8,499 | HK$3,750 | HK$3,984 | 1.85 % | ||
| 渣打銀行 結餘轉戶計劃 | HK$8,736 | HK$8,350 | HK$9,672 | 4.67 % |
顯示條款與細則
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
- The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
顯示條款與細則
- 渣打銀行私人貸款迎新現金回贈優惠:
- 貸款額自 HK$1,500,000 或以上 + 還款期自 36 個月 至 60 個月
- HK$8,000 現金回贈
- 貸款額自 HK$500,000 至 HK$1,499,999 + 還款期自 36 個月 至 60 個月
- HK$3,000 現金回贈
- 貸款額自 HK$400,000 至 HK$499,999 + 還款期自 36 個月 至 60 個月
- HK$2,000 現金回贈
- 貸款額自 HK$100,000 至 HK$199,999 + 還款期自 36 個月 至 60 個月
- HK$500 現金回贈
- 貸款額自 HK$1,500,000 或以上 + 還款期自 36 個月 至 60 個月
- 優惠受條款及細則約束
顯示條款與細則
- For details of the campaign, please visit the campaign page and refer to the terms and conditions
- Submit document, enjoy regardless of loan approval :
- HK$800 Apple Store Gift Card; OR
- HK$800 Wellcome Shopping Voucher; OR
- HK$800 (Deposited via FPS Account) (“Cash Reward”).
- Drawdown of HK$100,000 + repayment period 12 months or above :
- HK$800 Apple Store Gift Card + HK$2,000 Apple Store Gift Card; OR
- HK$800 Wellcome Shopping Voucher + HK$2,000 Wellcome Shopping Voucher; OR
- HK$800 (Deposited via FPS Account) (“Cash Reward”) + HK$2,000 (Deposited via FPS Account) (“Cash Reward”).
顯示條款與細則
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
- The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
顯示條款與細則
- 渣打銀行結餘轉戶計劃現金回贈優惠:
- 貸款額自 HK$1,500,000 或以上
- HK$20,000 現金回贈
- 貸款額自 HK$1,000,000 至 HK$1,499,999
- HK$11,000 現金回贈
- 貸款額自 HK$700,000 至 HK$999,999
- HK$5,000 現金回贈
- 貸款額自 HK$500,000 至 HK$699,999
- HK$3,000 現金回贈
- 貸款額自 HK$100,000 至 HK$499,999
- HK$800 現金回贈
- 貸款額自 HK$1,500,000 或以上
- 優惠受條款及細則約束
🎁 申請完貸款？立即填表領取獎賞！
如果你已透過 MoneyHero 申請私人貸款，記得填寫獎賞換領表格並選擇你想要嘅禮品，幾步即可完成登記。專屬獎賞，切勿錯過！
特快私人貸款
featured_seasonal_and_giftsMoneyHero獎賞價值 高達 HK$23,499
顯示條款與細則
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
- The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
顯示條款與細則
- 渣打銀行私人貸款迎新現金回贈優惠:
- 貸款額自 HK$1,500,000 或以上 + 還款期自 36 個月 至 60 個月
- HK$8,000 現金回贈
- 貸款額自 HK$500,000 至 HK$1,499,999 + 還款期自 36 個月 至 60 個月
- HK$3,000 現金回贈
- 貸款額自 HK$400,000 至 HK$499,999 + 還款期自 36 個月 至 60 個月
- HK$2,000 現金回贈
- 貸款額自 HK$100,000 至 HK$199,999 + 還款期自 36 個月 至 60 個月
- HK$500 現金回贈
- 貸款額自 HK$1,500,000 或以上 + 還款期自 36 個月 至 60 個月
- 優惠受條款及細則約束
account_balance產品禮遇
顯示條款與細則
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
- The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
顯示條款與細則
- 渣打銀行私人貸款迎新現金回贈優惠:
- 貸款額自 HK$1,500,000 或以上 + 還款期自 36 個月 至 60 個月
- HK$8,000 現金回贈
- 貸款額自 HK$500,000 至 HK$1,499,999 + 還款期自 36 個月 至 60 個月
- HK$3,000 現金回贈
- 貸款額自 HK$400,000 至 HK$499,999 + 還款期自 36 個月 至 60 個月
- HK$2,000 現金回贈
- 貸款額自 HK$100,000 至 HK$199,999 + 還款期自 36 個月 至 60 個月
- HK$500 現金回贈
- 貸款額自 HK$1,500,000 或以上 + 還款期自 36 個月 至 60 個月
- 優惠受條款及細則約束
MoneyHero 產品分析
- 貸款額高達月薪18倍或HK$4,000,000（以較低者為準）
- 還款期長達60個月；0%手續費
- 7天冷靜期 - 豁免提早償還貸款手續費
產品資訊
1. 香港永久性居民身份證
2. 最近期住宅地址證明
3. 固定收入人士請提供最近1個月之電腦編印糧單或附有閣下姓名、賬戶號碼及薪酬之銀行月結單 / 存摺紀錄；非固定收入人士請提供最近3個月之電腦編印糧單或附有閣下姓名、賬戶號碼及薪酬之銀行月結單 / 存摺紀錄；自僱人士請提供商業登記證及最近之營業稅單
- 實際年利率為1.85%(以客戶貸款額達HK$1,500,000或以上及貸款期12個月計算)。實際年利率是一個參考利率，以年化利率展示出包括銀行產品的基本利率及其他適用的費用與收費。此實際年利率並不包括現金回贈。優惠利率僅適用於客戶於本申請時並沒有持有任何渣打信用卡/現有本行之自動轉賬出糧服務客戶/ 優先理財客戶/優先私人理財客戶。渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請， 渣打銀行並保留權利決定是否提供私人貸款及決定最終的利率和手續費。優惠須受條款及細則約束。
- 實際年利率是一個參考利率，以年化利率展示出包括銀行產品的基本利率及其他適用的費用與收費
- 渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請，並保留權利決定是否提供私人貸款及決定最終的利率和手續費
- 申請要求：每年固定入息HK$96,000或以上及年滿20歲或以上之香港永久性居民
- 上述每月平息已約至小數後2個位及只供參考之用
- 借定唔借?還得到先好借!
清卡數之選
featured_seasonal_and_giftsMoneyHero獎賞價值 高達 HK$50,799
顯示條款與細則
- For details of the campaign, please visit the campaign page and refer to the terms and conditions
- Submit document, enjoy regardless of loan approval :
- HK$800 Apple Store Gift Card; OR
- HK$800 Wellcome Shopping Voucher; OR
- HK$800 (Deposited via FPS Account) (“Cash Reward”).
- Drawdown of HK$100,000 + repayment period 12 months or above :
- HK$800 Apple Store Gift Card + HK$2,000 Apple Store Gift Card; OR
- HK$800 Wellcome Shopping Voucher + HK$2,000 Wellcome Shopping Voucher; OR
- HK$800 (Deposited via FPS Account) (“Cash Reward”) + HK$2,000 (Deposited via FPS Account) (“Cash Reward”).
顯示條款與細則
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
- The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
顯示條款與細則
- 渣打銀行結餘轉戶計劃現金回贈優惠:
- 貸款額自 HK$1,500,000 或以上
- HK$20,000 現金回贈
- 貸款額自 HK$1,000,000 至 HK$1,499,999
- HK$11,000 現金回贈
- 貸款額自 HK$700,000 至 HK$999,999
- HK$5,000 現金回贈
- 貸款額自 HK$500,000 至 HK$699,999
- HK$3,000 現金回贈
- 貸款額自 HK$100,000 至 HK$499,999
- HK$800 現金回贈
- 貸款額自 HK$1,500,000 或以上
- 優惠受條款及細則約束
account_balance產品禮遇
顯示條款與細則
- For details of the campaign, please visit the campaign page and refer to the terms and conditions
- Submit document, enjoy regardless of loan approval :
- HK$800 Apple Store Gift Card; OR
- HK$800 Wellcome Shopping Voucher; OR
- HK$800 (Deposited via FPS Account) (“Cash Reward”).
- Drawdown of HK$100,000 + repayment period 12 months or above :
- HK$800 Apple Store Gift Card + HK$2,000 Apple Store Gift Card; OR
- HK$800 Wellcome Shopping Voucher + HK$2,000 Wellcome Shopping Voucher; OR
- HK$800 (Deposited via FPS Account) (“Cash Reward”) + HK$2,000 (Deposited via FPS Account) (“Cash Reward”).
顯示條款與細則
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
- The redemption process may take at least 16 weeks upon campaign period ends, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward
顯示條款與細則
- 渣打銀行結餘轉戶計劃現金回贈優惠:
- 貸款額自 HK$1,500,000 或以上
- HK$20,000 現金回贈
- 貸款額自 HK$1,000,000 至 HK$1,499,999
- HK$11,000 現金回贈
- 貸款額自 HK$700,000 至 HK$999,999
- HK$5,000 現金回贈
- 貸款額自 HK$500,000 至 HK$699,999
- HK$3,000 現金回贈
- 貸款額自 HK$100,000 至 HK$499,999
- HK$800 現金回贈
- 貸款額自 HK$1,500,000 或以上
- 優惠受條款及細則約束
MoneyHero 產品分析
- 貸款額高達月薪24倍或HK$2,000,000（以較低者為準）；額外備用現金高達月薪14X
- 還款期長達84個月；0%手續費
產品資訊
1. 香港永久性居民身份證
2. 最近期住宅地址證明
3. 固定收入人士請提供最近1個月之電腦編印糧單或附有閣下姓名、賬戶號碼及薪酬之銀行月結單 / 存摺紀錄；非固定收入人士請提供最近3個月之電腦編印糧單或附有閣下姓名、賬戶號碼及薪酬之銀行月結單 / 存摺紀錄；自僱人士請提供商業登記證及最近之營業稅單
- 實際年利率是一個參考利率，以年化利率展示出包括銀行產品的基本利率及其他適用的費用與收費
- 渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請，並保留權利決定是否提供私人貸款及決定最終的利率和手續費
- 申請要求：每年固定入息HK$96,000或以上及年滿20歲或以上之香港永久性居民
- 上述每月平息已約至小數後2個位及只供參考之用
- 借定唔借？還得到先好借！
公司簡介
渣打銀行（香港）有限公司是香港三大發鈔銀行之一，於1859年在香港開展業務，現為香港四大銀行之一。母公司渣打集團總部設於英國倫敦，業務遍及全球60多個市場，主力服務亞洲、非洲及中東地區。渣打銀行在香港提供全面個人及商業銀行服務，包括信用卡、貸款、財富管理等，是本地歷史最悠久的國際銀行之一。
貸款簡介
渣打銀行（香港）提供多元化貸款產品，包括私人分期貸款、結餘轉戶貸款、循環貸款及私人透支服務，靈活滿足不同客戶的財務需要。你可以申請最高貸款金額達月薪的23倍或港幣200萬元 (以較低者為準)，還款期最長可達 84 個月。貸款年利率低至 1.85%，無需手續費及具有特快服務承諾（即於中午前遞交網上申請，專人便會於當天跟進有關申請）。具體條件和利率將會再根據你的個人財務狀況及信貸紀錄進行調整。
貸款申請要求
以下是渣打貸款申請資格、所需文件及批核時間：
申請資格
申請人需為年滿 20 歲或以上的香港永久性居民，每年固定收入亦需達 HK$96,000 或以上。
所需文件
申請貸款需要的文件證明包括香港永久性居民身份證、住宅地址證明和銀行月結單。
批核時間
於中午前遞交網上申請，渣打銀行將安排專人於當天跟進有關申請。
貸款優勢
-
低息及免手續費：渣打銀行私人分期貸款實際年利率低至1.65%，而且全程0%手續費，有助減輕借貸成本。
-
高貸款額及靈活還款期：最高貸款額可達月薪18倍或HK$400萬（以較低者為準），還款期最長可選60個月，靈活配合不同資金需要。
-
7天冷靜期及提前還款免罰息：特設7天冷靜期，期間內提早還款可豁免手續費，還款彈性高。
-
網上申請快捷方便：支援24小時網上申請，流程簡單，最快即日批核及過數，特設「網上申請特快服務承諾」。
-
多用途貸款，無用途限制：貸款用途不限，可用於清卡數、裝修、教育、旅遊、醫療等，靈活應對各種財務需要。
-
結餘轉戶及加借服務：提供結餘轉戶計劃，助用戶整合多筆債務，減輕利息負擔；現有客戶可靈活加借額外資金。
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申請門檻親民：只需年滿20歲及年薪HK$96,000或以上即可申請。
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專人跟進及客戶支援：申請後有專人即日跟進，並提供清晰還款計劃及理財建議。
貸款適合哪些人
渣打銀行貸款適合多種不同財務需要的人士，特別是以下幾類人士：
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有穩定收入的上班族與自僱人士：只要年滿20歲且每年固定收入達港幣96,000元或以上的香港永久性居民，無論是全職、兼職或自僱人士，只要能提供基本入息證明，均可申請。
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需要大額資金周轉的人士：渣打銀行貸款額最高可達月薪18倍或HK$400萬（以較低者為準），適合需要裝修、醫療、教育、旅遊、創業等較大金額用途的人士。
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希望清還信用卡或整合債務的用戶：渣打結餘轉戶貸款專為有多筆高息信用卡或其他貸款的用戶而設，幫助整合債務、減輕利息負擔。
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追求靈活還款及低息的人士：渣打分期貸款還款期最長60個月，年利率低至1.85%，設有7天冷靜期及免手續費，還款彈性高，適合希望靈活理財的人士。
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需要快速批核及網上申請的用戶：渣打支援24小時網上申請，最快即日批核及過數，特別適合急需資金周轉或不便親身到分行的借款人。
貸款還款方法
渣打銀行貸款還款以自動轉賬為主，客戶需確保戶口資金充足。如需提前還款，須預早通知銀行並留意相關費用及冷靜期安排。
渣打銀行貸款常見問題
渣打貸款批核過程及放款需時多久？
申請人於中午前遞交網上申請，渣打銀行將安排專人於當天跟進有關申請。
渣打銀行稅季私人貸款/結餘轉戶計劃的最高借貸額是如何計算？
私人貸款計劃的最高貸款額為月薪的18倍，結餘轉戶計劃的最高貸款額則為月薪的23倍或HK$2,000,000 (以較低者為準)。
渣打貸款每月平息及實際年利率有甚麼分別？
每月平息是指每個月的固定利息支出，供客戶更容易理解每月的貸款利息，而實際年利率則包括了所有的借貸成本 (手續費、行政費及現金回贈)。
渣打私人貸款還有其他隱藏收費嗎？
若私人貸款計劃有逾期遷款的情況，每月需付HK$1,000。另外，若需申請拓展易中小企業分期貸款紀錄副本，每份則需付HK$200。