Debt Consolidation Instalment Loan
Hang Seng Bank Limited
Intro
About this product
A personal loan from Hang Seng Bank Limited. Tenors run 6–72 months. The monthly flat rate is 0.2%. On fees, handling fee HK$0, early repayment handling fee 2%. On early repayment, Customers enjoy a cooling-off period of 7 calendar days after loan drawdown; repaying the full outstanding principal early within the cooling-off period waives the early repayment handling fee.
Fit
Who it suits
- Borrowers who prefer a longer tenor (up to 72 months)
- Borrowers who want the handling fee waived
Key facts
Key facts
Cost
APR
To be verified
Monthly flat rate
0.2%
handling fee HK$0 · 0% handling fee; repaying early within the 7-calendar-day cooling-off period after loan drawdown further enjoys no interest and no handling fee
early repayment handling fee 2% · Charged when the loan is repaid early (including the interest payable and 2% of the outstanding principal); waived when fully settled within the cooling-off period
Repayment
Tenor
6–72
Customers enjoy a cooling-off period of 7 calendar days after loan drawdown; repaying the full outstanding principal early within the cooling-off period waives the early repayment handling fee.
The early repayment handling fee includes the interest payable and 2% of the outstanding principal.
For details of the loan and offers, interest rates, handling fees, APRs, terms and conditions, please enquire with Hang Seng staff.
If a customer repays the full outstanding principal of the loan early within the 7-calendar-day cooling-off period after loan drawdown, the early repayment handling fee (including the interest payable and 2% of the outstanding principal) will be waived.
Amount
Loan amount
To be verified
Effective from
21 Sep 2026
Reminder: borrow only what you can repay, and never pay a middleman.
Source: Hang Seng Debt Consolidation Loan Last updated: Data follows the institution's official pages and is not investment or lending advice.