Hang Seng “Self-fulfilment” Interest-free Instalment Plan
Accept our invitation on or before the promotion deadline (please refer to the Direct Mailer sent to
you) to enjoy the following upon loan approval:
Pre-approved and no income proof is required(1)
Interest waiver throughout the tenor regardless of the loan amount and repayment period.
Monthly handling fee is as low as HK$17(2)
Same day approval and cash disbursement(3)
Loan amount of up to HK$800,000 or 6 times your monthly salary(4) (whichever is lower)
Flexible repayment period from 12 - 48 months
Accept now via any channels below:
[Link]/loan
24-hour Application Hotline 2812 8000 (Monday to Sunday)
By fax to 2997 2885
By mail/hand to any Hang Seng branch
“Self-fulfilment” Interest-free Instalment Plan Handling Fee and Monthly Repayment Table
Loan Amount Monthly Handling Monthly Instalment Amount (Per Loan amount of HK$10,000)
Fee (Annualised Percentage Rate)
(HK$) (Based on every 12 months 36 months 48 months
HKD10,000 loan
amount)
$5,000 - $55 $888.40 $332.80 $263.40
$14,999 (12.65%) (12.83%) (12.68%)
$15,000 - $44 $877.40 $321.80 $252.40
$49,999 (10.04%) (10.26%) (10.18%)
$50,000 - $38 $871.40 $315.80 $246.40
$199,999 (8.64%) (8.86%) (8.80%)
$200,000 - $30 $863.40 $307.80 $238.40
$499,999 (6.78%) (7.00%) (6.97%)
$500,000 or $17 $850.40 $294.80 $225.40
above (3.81%) (3.97%) (3.97%)
The minimum loan amount is HK$5,000.
The handling fees listed above are applicable to designated loan amount and are for reference only. The final approved
handling fees are subject to the loan amount and credit assessment result.
If customer’s application cannot meet our loan approval requirements, Hang Seng Bank Limited (“Hang Seng”) may
approve a loan to individual customers on a case-by-case basis but the handling fee offered may be adjusted. For details,
please contact Hang Seng’s staff. Customers will be notified of the relevant adjusted handling fee upon loan approval. If
customer agrees to accept such loan, Hang Seng will credit the loan amount to the designated bank account according to
normal procedures.
The monthly handling fee for a loan amount of HK$5,000 – HK$14,999 is 0.55% of the principal. The monthly handling fee
for a loan amount of HK$15,000 – HK$49,999 is 0.44% of the principal. The monthly handling fee for a loan amount of
HK$50,000 – HK$199,999 is 0.38% of the principal. The monthly handling fee for a loan amount of HK$200,000 –
HK$499,999 is 0.30% of the principal. The monthly handling fee for a loan amount of HK$500,000 or above is 0.17% of
the principal. Please refer to the relevant monthly repayment table for the annualised percentage rates (APRs). The APRs
shown in the monthly repayment table are calculated using the Net Present Value Method in accordance with the Code of
Banking Practices. The said handling fee together with the monthly repayment amount will be debited from the repayment
account on the due date.
SF_dm_e (P3)
Terms and Conditions
1. Hang Seng Bank Limited (“Hang Seng”) reserves the right to request for additional income proof if required.
2. For a loan amount of HK$500,000 or above, the annualised percentage rate of 3.81% is calculated based on a
monthly handling fee of 0.17% and a 12-month repayment period, i.e. for every loan amount of HK$10,000, the
monthly handling fee is HK$17 (HK$10,000 x 0.17% = HK$17). This handling fee is applicable on a
case-by-case basis and the final approved handling fee is subject to the loan amount and credit assessment
result.
3. Same day approval and cash disbursement is only applicable to customers applying for Hang Seng
“Self-fulfilment” Interest-free Instalment Plan via the 24-hour Application Hotline, in person at any branch of
Hang Seng or online. Customers are required to maintain a specified Hang Seng repayment account to enjoy
such service. Generally, application will be assessed and, if approved, loan will be available on the same
working day if Hang Seng receives all required documents by 12:00 noon from Monday to Friday (only
applicable to customers with Hang Sang account), subject to the actual situation from time to time. Applications
received on Saturday, Sunday or Public Holiday will be processed on the next working day.
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.
Notes:
All annualised percentage rates are calculated using the Net Present Value Method in accordance with the Code
of Banking Practice.
The above offers are applicable to Hang Seng “Self-fulfilment” Interest-free Instalment Plan only (not applicable
to Top-up Loan).
Hang Seng reserves the right to terminate the 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 the loan and offer details, interest rates, handling fees,
annualised percentage rates, terms and conditions, please contact Hang Seng branch staff or refer to the
promotional material / application form and monthly repayment table.
SF_dm_e (P3)