Apply for Handy Cash Personal Instalment Loan to enjoy privileged offers on or before 30 September 2022:
Up to HKD4,000 Cash Rebate(1)
For online or mobile application
Up to
HKD2,000
cash rebate(1)
For payroll customers
Up to
HKD1,000
cash rebate(1)
and
no document is required (3)
Limited-Time Offer
Extra
HKD1,000
cash rebate#(1)
Annualised Percentage Rate as low as 1.78%(2) and 0% handling fee
Loan amount of up to HKD3,000,000 or 15 times your monthly salary (whichever is lower)(4), and repayment periods up to 60 months(5)
Further apply for a top-up on your repaid amount(6) with no documents required(3)
Click here for Personal Instalment Loan rate & Monthly Repayment Table
Hang Seng Customer Interest Rate & Monthly Repayment Table (Cash Rebate Excluded)
Loan Amount (HKD) Maximum Cash
Rebate (1)(HKD) 		Monthly Flat Rate Monthly Repayment Amount - Based on every HKD10,000 loan amount (Annualised Percentage Rate)
6-24 Months 24 Months above 6 months 12 months 18 months 24 months 30 months 36 months 42 months 48 months 54 months 60 months
$5,000 -
$49,999 		- 0.40% 0.42% $1,706.70
(8.50%) 		$873.40
(9.10%) 		$595.60
(9.28%) 		$456.70
(9.34%) 		$375.40
(9.82%) 		$319.80
(9.80%) 		$280.10
(9.76%) 		$250.40
(9.72%) 		$227.20
(9.67%) 		$208.70
(9.62%)
$50,000 -
$99,999 		$300 0.26% 0.27% $1,692.70
(5.46%) 		$859.40
(5.86%) 		$581.60
(5.99%) 		$442.70
(6.04%) 		$360.40
(6.30%) 		$304.80
(6.30%) 		$265.10
(6.29%) 		$235.40
(6.28%) 		$212.20
(6.26%) 		$193.70
(6.24%)
$100,000 -
$199,999		 $300 0.25% 0.26% $1,691.70
(5.25%) 		$858.40
(5.63%) 		$580.60
(5.76%) 		$441.70
(5.81%) 		$359.40
(6.06%) 		$303.80
(6.06%) 		$264.10
(6.06%) 		$234.40
(6.05%) 		$211.20
(6.03%) 		$192.70
(6.02%)
$200,000 -
$499,999		 $1,700 0.24% 0.25% $1,690.70
(5.03%) 		$857.40
(5.40%) 		$579.60
(5.52%) 		$440.70
(5.57%) 		$358.40
(5.83%) 		$302.80
(5.83%) 		$263.10
(5.83%) 		$233.40
(5.82%) 		$210.20
(5.81%) 		$191.70
(5.79%)
$500,000 -
$999,999 		$2,500 0.16% 0.17% $1,682.70
(3.33%) 		$849.40
(3.58%) 		$571.60
(3.67%) 		$432.70
(3.71%) 		$350.40
(3.96%) 		$294.80
(3.97%) 		$255.10
(3.97%) 		$225.40
(3.97%) 		$202.20
(3.96%) 		$183.70
(3.96%)
$1,000,000
or above		 $4,000 0.08% 0.15% $1,674.70
(1.66%) 		$841.40
(1.78%) 		$563.60
(1.83%) 		$424.70
(1.85%) 		$348.40
(3.49%) 		$292.80
(3.50%) 		$253.10
(3.50%) 		$223.40
(3.50%) 		$200.20
(3.50%) 		$181.70
(3.50%)
  • All Annualised Percentage Rates are calculated using the Net Present Value Method in accordance with the Code of Banking Practice. The Annualised Percentage Rates are reference rate which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable).
  • The calculation of the monthly repayment amount and the Annualised Percentage Rate has taken the 0% handling fee into account and does not include cash rebate. The monthly repayment amount is rounded up to 1 decimal point. The proportion of loan principal to interest in each monthly instalment amount is calculated according to the Rule of 78.
  • If customer’s loan application cannot meet our approval requirements, Hang Seng Bank Limited (“Hang Seng”) may approve a loan to individual customers on a case-by-case basis but the interest rate offered may be adjusted. For details, please contact Hang Seng’s staff. Customers will be notified of the relevant adjusted interest rate upon loan approval.

Remarks:

  1. For the cash rebate offers and other terms and conditions, please refer to the terms and conditions set out below for details.
  2. For a loan amount of HKD1,000,000 or above, the Annualised Percentage Rate of 1.78% is calculated based on a monthly flat rate of 0.08% and a 12-month repayment period, including 0% handling fee. The Annualised Percentage Rates are reference rate which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable).
  3. Hang Seng reserves the right to request additional documents from individual applicants on a case-by-case basis.
  4. The final approved loan amount, which is calculated by way of monthly salary multiple, is subject to change in accordance with the circumstances of individual cases.
  5. Customers can choose for a 6, 12, 18, 24, 30, 36, 42, 48, 54 or 60 months repayment period.
  6. Customers may apply for a Top-up Loan on the repaid principal amount if a minimum of one instalment is made, the repaid principal amount is over HKD3,000 and a punctual repayment record is maintained. For the detailed terms and conditions, please refer to the relevant application form.
  7. Minimum loan amount is HK$5,000.
  8. The final approved loan proceeds will be credited into your designated Hang Seng Bank account set out in the application form if the final approved loan amount, repayment period and interest rate are the same as your application. You will be notified through SMS on the same day of loan disbursement. Please refer to the drawdown letter setting out the loan details. Hang Seng will contact you if the final approval result is different from your application.
  9. The salary scheme of our representatives (included basic salary and incentive) is based on their performance of various aspects and not only the sales target achieved.
  10. Customer is advised to pay attention on whether interest expenses would be saved by making early repayment of personal instalment loan. For enquiring the relevant fees and charges of loan account, please call our Personal Loan Service Hotline 2997 3882.
  11. For the frequently asked questions relating to Personal Instalment Loan (e.g. Important notes of early repayment; the basis of apportionment of principal and interest in the monthly repayment, etc), please refer to our Bank’s website (Personal Banking > Loans > Personal Instalment Loan > FAQ).
During Promotion Period, customers who have successfully applied for Hang Seng Handy Cash Instalment Loan and drawn down the loan with a designated drawdown amount, and input the Limited Time Offer specific Promotion Code “HY7Q” under Section A “Loan Information” during the application, will be entitled to extra HKD1,000 Cash Rebate. By using the promotion code, you agree to be bound by clause (ii) of terms and conditions as set out by the Bank.

Key Facts Statement

Terms and Conditions


Hang Seng Handy Cash Personal Instalment Loan is provided subject to the Terms and Conditions for Hang Seng Personal Instalment Loan and Hang Seng Personal Revolving Loan. Please read the declaration on the application form via our website, and read the Terms and Conditions for Hang Seng Personal Instalment Loan and Hang Seng Personal Revolving Loan and the Notice to Customer and Other Individuals relating to the Personal Data (Privacy) Ordinance which accompanies this application (“Notice”). Please contact 2812 8000 if you have any enquires.

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






Limited-Time Offer