恒生銀行
Online Personal Instalment Loan Simply apply and submit your document online Only 3 easy steps from apply to cash disbursement Up to HKD500 Cash Rebate for Online and Mobile Application

Dear Customer,

Logon to Hang Seng Personal e-Banking and apply for Hang Seng Personal Instalment Loans on or before 24 March 2016, with a few simple steps, you can enjoy same day cash disbursement(6) together with up to HKD500 Cash Rebate(2).


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Annualised percentage rate as low as 2.91%(1) with full handling charge waiver(1).
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No income proof required if you have auto-payroll record via Hang Seng in the latest month#.
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Loan amount of up to HKD1,200,000 or 10 times your monthly salary(3) (whichever is lower), flexible repayment periods up to 60 months(4).
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Eligibility to apply for a Top-up Loan on your repaid principal amount(5) during the repayment period with no income proof required.




Hang Seng Bank

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Customers shall provide the bank statement or bankbook showing the latest one month salary if they do not have auto-payroll record via Hang Seng Bank Limited ("Hang Seng") in the latest one month. Hang Seng reserves the right to request additional income proof from individual customers on a case-by-case basis.

Terms and Conditions

Remark: All annualised percentage rates are calculated using the Net Present Value Method in accordance with the Code of Banking Practice. The Annualised Percentage Rates ("APR") are reference rate which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable). Hang Seng reserves the right to terminate the above offers at any time or to vary the same and the related terms and conditions from time to time. The approval of the loan is subject to Hang Seng's final decision. In case of any dispute, the decision of Hang Seng shall be final. For loan and offer details, interest rates, handling charges, annualised percentage rates, terms and conditions, please contact Hang Seng branch staff or refer to the application form and monthly repayment table. The offers are applicable to Hang Seng Handy Cash Personal Instalment Loan only (not applicable to Top-up Loan). 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.

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