Hang Seng Personal Instalment Loan
Hang Seng Bank Limited
Intro
About this product
A personal loan from Hang Seng Bank Limited. Loan amounts run HK$5,000–HK$3,000,000 with tenors of 12–60 months. The monthly flat rate is 0.0845% and the APR 1.88%–36.00%. On fees, early repayment handling fee 2%. On early repayment, Early repayment incurs an additional handling fee and next month's interest amount; customers can compare the fee with the outstanding interest to decide whether to repay early.
Fit
Who it suits
- Borrowers who need a larger sum (up to HK$3,000,000)
- Borrowers who prefer a longer tenor (up to 60 months)
- Strong-credit borrowers aiming for an APR as low as 1.88%
Key facts
Key facts
Cost
APR
1.88%–36.00%
Monthly flat rate
0.0845%
early repayment handling fee 2% · Early repayment of the outstanding principal; waived when fully settled within the 7-calendar-day cooling-off period after drawdown
Repayment
Tenor
12–60
Early repayment incurs an additional handling fee and next month's interest amount; customers can compare the fee with the outstanding interest to decide whether to repay early.
An additional handling fee plus next month's interest; the prepayment handling fee includes the interest payable and 2% of the outstanding principal.
No advance-notice period is published; call (852) 2997 3882 to check the applicable fees and interest before repaying early.
Fully settling the outstanding principal at a branch within the cooling-off period (7 calendar days after loan withdrawal) waives the early repayment fee.
Amount
Loan amount
HK$5,000–HK$3,000,000
Effective from
21 Sep 2026
Reminder: borrow only what you can repay, and never pay a middleman.
Source: Hang Seng personal instalment loan Last updated: Data follows the institution's official pages and is not investment or lending advice.