 Loans
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| Tax Loan | |
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| Asset Link Secured Overdraft | |
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| Unsecured Overdraft Facility | |
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| Personal Instalment Loan | |
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| Interest-free Instalment Plan | |
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| Credit Counseling Loan | |
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| Personal Revolving Loan | |
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| Top-up Loan | |
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| Vehicle Loan | |
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| Loan Process | |
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| FAQ | |
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| Glossary | |
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| Download Application Forms | |
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Apply for Unsecured Overdraft Facility to enjoy:
First-year annual
fee waiver(1).
No cash advance
fee required. You can withdraw cash by cheque, account transfer
or via ATM.
Avoid return
cheque charges when there are insufficient funds in your current/cheque
account.
High unsecured
overdraft limit up to HKD600,000(2). The credit
line is on a revolving basis and
there is no payment deadline. Minimum
monthly repayment is just 3% of
the outstanding balance or HKD100 (whichever is higher).
Interest
will be charged only on the outstanding amount on a daily basis
and the interest rate per annum can be as low as Prime Rate + 3%.
Apply online to get the chance to enjoy
the 10% Loan Amount Rebate Offer
upon successful application! Please click
here for details, terms and conditions.
Loan Selector
(1)
Prestige Banking customers can enjoy perpetual
annual fee waiver for the Unsecured Overdraft Facility, while other
Integrated Account customers can enjoy first-year annual fee waiver.
The first-year annual fee waiver of the Unsecured Overdraft Facility,
which ranges from 0.5% to 1% of the overdraft limit, is subject to
a minimum of HKD200 and a maximum of HKD800. The second year's
annual fee of the Unsecured Overdraft Facility will be charged on
the first anniversary of the effective date of the Unsecured Overdraft
Facility.
(2)
The final approved unsecured overdraft limit
is subject to change in accordance with the circumstances of individual
cases.
Remarks:
•
Prime Rate refers to the Hong Kong Dollar
Prime Lending Rate as quoted by Hang Seng Bank Limited ("Hang Seng") from time
to time.
•
Hang Seng shall have the absolute discretion
to prescribe and change the overdraft limit, interest rate and fees
from time to time.
•
For details of the service provisions, charges
and annual fees of the relevant Integrated Account, please refer to
respective leaflets of the corresponding products.
•
Hang Seng reserves the right to terminate
or vary the offers, to withhold the approval of the Unsecured Overdraft
Facility at any time and to amend the relevant terms and conditions
from time to time. In case of dispute, the decision of Hang Seng shall
be final.
Reference Rate
