2.75%

APR (include cash rebate)

^HK$207,920

Total Amount Payable

^HK$7,920

Total Interest Payable

All Details

• Key Features

  • Annualized Percentage Rate as low as 2.75%#

  • The minimum loan amount is HK$5,000

  • Loan amount up to HK$2,000,000 or 14X monthly income (whichever is lower)

  • Repayment tenor up to 60 months

  • Welcome new job starters

  • Re-borrow anytime

  • Dah Sing e-Express Loan Application service, offers instant approval on the loan amount

  • Up to HK$10,000 Cash Rebate

  • # The interest rate offer of APR as low as 2.75% is only applicable to "Selected Customers". Assume the loan amount is HK$1,990,000, with a 12-month loan tenor and 0.1650% monthly flat rate, APR including the HK$10,000 cash rebate is 2.75%. (assume the Bank credits the cash rebate at the 4th month after the loan drawdown). 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.

  • Subject to relevant terms and conditions. For details, please visit Dah Sing Bank website. In the event of discrepancies between the Chinese version and English version of this page, the Chinese version shall prevail. To borrow or not to borrow? Borrow only if you can repay! The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU.

• Repayment Summary

  Principal Loan Amount	HK$200,000
  Total Interest Payable	HK$7,920
  Monthly Payment	HK$8,663
  Total Amount Payable	HK$207,920
  Handling Fee	HK$0
  Annual Percentage Rate	2.75%
  Monthly Interest Rate	0.165%
  Loan Tenure	24 Months

Fees & Charges

Handling Fee	N/A
Late Payment Fee	HK$500 per month
Early Settlement Fee	2.5% of the original loan amount (minimum HK$500) and the interest payable for the month or part thereof from the last monthly repayment date to the date when the total outstanding amount is settled and return any applicable promotional offers. Interest payable is calculated on the basis of "Rule of 78"

Promotions

🎄Get 10,000 SmartPoints

Eligibility

Age Requirement	18 years old or above
Employment Status	If Customer is a New Job Starter (i.e. the commencement date of the current employment period is within the 6 months preceding the date of application of the loan), he/ she must be aged from 18 to 30 and is required to submit the employment letter or employment contract when applying for the loan. The maximum loan amount for New Job Starter is HK$50,000

Plan Materials

Terms and Conditions	Read More