Personal Loan


Chong Hing Personal Loan Promotion


Loan Characteristics:

  • Annualized percentage rate is as low as 2.41%1
  • Loan Amount up to HK$1,000,000, or 12 times of monthly salary (whichever is the lower2)
  • Loan Tenor as long as 60 months3


Application is Easy, Act Now !

  • 24 Hours Online Application
  • Chong Hing Loan Application Hotline4:3768 6899
  • Visiting our branches


Interest Rate Table of Chong Hing Personal Loan (click here)


The annualized percentage rate (“APR”) ranges from 2.41% to 22.36%, with repayment period of 12 to 60 months. The loan application is subject to the Bank’s approval. For a loan amount of HK$100,000 with 12 months repayment period, the monthly flat rate applicable to Selected Customers is 0.19% (APR 4.26%), and the total loan repayment amount is HK$8,523.3 (including full handling fee waiver). The above example is for reference only.


Reminder: To borrow or not to borrow? Borrow only if you can repay!


Terms and Conditions of Chong Hing Personal Loan:

1. For a loan amount of HK$800,000 or above, the Annualized Percentage Rate (APR) of 2.41% is calculated based on a monthly flat rate of 0.108% and a 12-month repayment period. The APR is calculated according to the method set out in the relevant guidelines referred to in the Code of Banking Practice, and is rounded up or down to the nearest two decimal places. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate.
2. Minimum personal loan amount is HK$5,000.
3. Chong Hing Personal Loan Repayment tenors of 12, 18, 24, 36, 48 or 60 months are available.
4. Business hours of the Chong Hing Loan Application Hotline: Mondays to Fridays from 9:00 am to 6:00 pm; Saturdays from 9:00 am to 1:00 pm.
5. Partial Prepayment will not be allowed. Early repayment of the Loan is permissible upon 7 business days' prior written notice thereof having been received by the Bank. The Borrower agrees to pay to the Bank a prepayment fee at the rate of 1% flat of the outstanding principal amount of the Loan (currently at HK$300 of minimum prepayment fee) as the Bank may at its discretion determine from time to time on the date of prepayment and the Borrower also agrees to pay to the Bank the entire outstanding loan principle (including any arrears), outstanding handling fee and interest up to the next repayment date together with all fees and charges due under the Loan in full as at the time of approval. The amount payable shall be calculated according to the Rule of 78 and the Bank has the right to apportion the monthly repayments between interests and principles as the Bank deems appropriate.
6. If the loan application cannot fulfill our approval requirement, the Bank may still process the application on a case-by-case basis, but the interest rate, handling fee or repayment period may be adjusted. The Bank will inform customers on the finalized loan details. If customers accept the loan details, the Bank will credit the loan into customers' designated repayment account according to normal procedure.
7. The above information is provided for reference only and the application is subject to the Bank's final approval. The Bank reserves the right to cancel or amend these promotional offers and the Terms and Conditions at any time without prior notice. In case of disputes arising from this promotion, the Bank's decision shall be final.
8. If there is any conflict or inconsistency between the Chinese and English versions of these terms and conditions, the English version shall prevail.
9. Key Facts Statement for Instalment Loan – Chong Hing Personal Loan (click here)
10. Terms and Conditions of Chong Hing Personal Loan (click here)
11. Repayment Example of Chong Hing Personal Loan (click here)

Apply Now

(852) 3768 6899