Top-up Loan
Hang Seng Bank Limited
Intro
About this product
A personal loan from Hang Seng Bank Limited. Tenors run 12–60 months. The monthly flat rate is 0.13% and the APR 2.91%–36.00%. On fees, top-up 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 60 months)
- Strong-credit borrowers aiming for an APR as low as 2.91%
- Borrowers who want the handling fee waived
Key facts
Key facts
Cost
APR
2.91%–36.00%
Monthly flat rate
0.13%
top-up handling fee HK$0 · 0% top-up 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 7-calendar-day cooling-off period after loan drawdown
Repayment
Tenor
12–60
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.
Customers should consider whether early repayment of a personal instalment loan saves interest expense; for the applicable fees and charges of the loan account, call the personal loan service hotline (852) 2997 3882.
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 Top-up Loan Last updated: Data follows the institution's official pages and is not investment or lending advice.