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Turn your financial situation around with monthly flat rate as low as 0.164%

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Turn your financial situation around with monthly flat rate as low as 0.164%

Debt Consolidation Program

We offer you a total lending solution that includes financial analysis and personalised repayment plans. By consolidating your credit card debts into one simple loan, you’ll reduce interest expenses and have the extra cash when needed.

Features

Repayment table

 0% handling fee
Loan Amount^
Special Offer to Existing Mortgage Clients*
Tenor(month) $5,000 - $19,999 $20,000 - $49,999 $50,000 - $99,999 $100,000 - $199,999 $200,000 - $299,999 $300,000 - $399,999 $400,000 - $499,999 $500,0000 or above $700,0000 or above
12 Monthly Flat Rate+ 0.518% 0.450% 0.349% 0.349% 0.288% 0.288% 0.288% 0.248% 0.164%
Annualised Percentage RateΔ 11.88% 10.28% 7.91% 7.91% 6.51% 6.51% 6.51% 5.58% 3.68%
Monthly Repayment Amount (HKD)# $88.52 $87.84 $86.83 $86.83 $86.22 $86.22 $86.22 $85.82 $84.98
24 Monthly Flat Rate+ 0.516% 0.448% 0.347% 0.347% 0.287% 0.287% 0.287% 0.247% 0.171%
Annualised Percentage RateΔ 12.09% 10.48% 8.09% 8.09% 6.68% 6.68% 6.68% 5.74% 3.96%
Monthly Repayment Amount (HKD)# $46.83 $46.15 $45.14 $45.14 $44.55 $44.55 $44.55 $44.14 $43.38
36 Monthly Flat Rate+ 0.524% 0.454% 0.352% 0.352% 0.291% 0.291% 0.291% 0.250% 0.176%
Annualised Percentage RateΔ 12.22% 10.60% 8.20% 8.20% 6.78% 6.78% 6.78% 5.83% 4.10%
Monthly Repayment Amount (HKD)# $33.02 $32.33 $31.30 $31.30 $30.69 $30.69 $30.69 $30.28 $29.54
48 Monthly Flat Rate+ 0.535% 0.463% 0.358% 0.358% 0.295% 0.295% 0.295% 0.254% 0.182%
Annualised Percentage RateΔ 12.34% 10.70% 8.29% 8.29% 6.85% 6.85% 6.85% 5.91% 4.24%
Monthly Repayment Amount (HKD)# $26.19 $25.47 $24.41 $24.41 $23.79 $23.79 $23.79 $23.38 $22.66
60 Monthly Flat Rate+ 0.547% 0.473% 0.364% 0.364% 0.300% 0.300% 0.300% 0.258% 0.187%
Annualised Percentage RateΔ 12.45% 10.80% 8.37% 8.37% 6.93% 6.93% 6.93% 5.97% 4.35%
Monthly Repayment Amount (HKD)# $22.14 $21.40 $20.31 $20.31 $19.67 $19.67 $19.67 $19.25 $18.54
72 Monthly Flat Rate+ 0.561% 0.483% 0.371% 0.371% 0.305% 0.305% 0.305% 0.262% 0.193%
Annualised Percentage RateΔ 12.57% 10.90% 8.45% 8.45% 6.99% 6.99% 6.99% 6.03% 4.48%
Monthly Repayment Amount (HKD)# $19.50 $18.73 $17.61 $17.61 $16.95 $16.95 $16.95 $16.52 $15.83

The above table is for illustration purposes only.

1The Monthly Flat Rate shown above is for reference and only applicable to selected clients who are also holding a mortgage loan with the Bank. The actual monthly flat rate will be subject to the Bank’s approval on a case-by-case basis.The Annualised Percentage Rate (“APR”) is 3.68% (based on the loan amount of HKD700,000 with tenor of 12-month and the actual Monthly Flat Rate). For client who has applied for tenor 24-month with loan amount of HKD700,000, will be subject to a monthly flat rate of 0.171% and the corresponding APR is 3.96%. For client who has applied for tenor 72-month with loan amount of HKD700,000, will be subject to a monthly flat rate of 0.193% and the corresponding APR is 4.48%.The Monthly Flat Rate shown above was rounded to 3 decimal places for reference. An APR is a reference rate which includes the basic interest rate and other applicable fees and charges of a product expressed as an annualised rate.

^ The 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.
* The Monthly Flat Rate shown above is for reference and only applicable to selected clients who are also holding a mortgage loan with the Bank. The actual monthly flat rate will be subject to the Bank’s approval on a case-by-case basis.
+ The Monthly Flat Rate shown above was rounded to 3 decimal places for reference only.
Δ The above 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).
#For every HKD1,000 loan amount.

The annualised percentage rate ranged from 3.68% to 12.57% and flexible repayment period of 12 to 72 months. The 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.

Example: A customer borrows a 12-month loan of HKD100,000 at a monthly flat rate of 0.349% (APR7.91%), total loan repayment amount is HK$104,185.60

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To borrow or not to borrow? Borrow only if you can repay!

Eligibility & Documents

Eligibility

  • Hong Kong Permanent Resident aged 20 or above
  • Fixed annual income of HKD96,000 or above

Required Documents

  • Required Documents
    • Your Hong Kong Permanent Identity Card
    • Your latest residential address proof showing your name
    • Your latest 1-month salary slip OR current salaries tax demand note OR bank statements/passbook showing your name, account number and salary entries

Terms and Conditions