Personal Loan

  1. Home
  2. Personal Banking
  3. Banking Services
  4. Loans
  5. Consumer Loan
  6. Personal Loan

 

Chong Hing Personal Loan 

 

"Key Facts Statement" (click here)

 

Simple and Clear.  Unlock more opportunities to achieve your dreams!

 

Loan Characteristics:

  • Annualized percentage rate as low as 3.31%(1)
  • Loan amount up to HK$1,000,000, or 12 times of monthly salary (whichever is lower)
  • Loan tenor as long as 60 months(2)

 

Digital Channel Offer and Additional Reward(3)

From 11 April 2025 to 30 June 2025, designated customers(4) who successfully apply for Chong Hing Personal Loan via the Bank’s website or Chong Hing Mobile Banking and drawn such personal loan as approved by the Bank on or before 31 July 2025, can enjoy a credit card cash rebate(5) up to HK$3,500 (Digital Channel Offer); customers who successfully open new account(6) via Remote Account Opening in Chong Hing Mobile Banking and set up payroll account services concurrently can enjoy an additional credit card cash rebate(7) up to HK$4,500 (Additional Reward).

Offers are subject to the relevant terms and conditions. (click here)

 

Application is Easy, Act Now !

Customer can apply for Chong Hing Personal Loan through

  • 24 Hours Online Application:(click here)
  • Chong Hing Mobile Banking
  • Chong Hing Loan Application Hotlineļ¼š3768 6899(8)
  • Visiting any branch of the Bank in Hong Kong.

 

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

 

(1) and (2):
The annualized percentage rate (APR) ranges from 3.31% to 27.40%, with repayment period of 12 to 60 months. APR is calculated according to the method set out in the relevant guidelines 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 bank product expressed as an annualized rate. The actual APR may differ from individual customers, the final approved personal loan amount and/or interest rate will be subject to the financial status and credit check results of the customers. The Bank reserves the right of final decision on the interest rate and approval result, which shall be binding on customers and applicants.

Reference example: For a loan amount of HK$1,000,000, the APR of 3.31% is calculated based on a monthly flat rate of 0.1479% and a 12-month repayment period (including full handling fee waiver).

(3):
Each eligible customer can enjoy the Digital Channel Offer and Additional Reward once. Eligible customer means designated customers who are eligible to the credit card cash rebate granted.

(4):
Designated Customers means customers who successfully apply for personal loan during promotion period, and concurrently using any 2 of the Bank’s selected banking services (such selected banking services include (1) Chong Hing Mobile Banking, (2) Internet Banking, (3) Investment Account, (4) Payroll Account, (5) Private Banking, (6) Exceed Banking and (7) Go Banking).

(5):
Digital Channel Offer details are as follows:

Designated Loan Amount (HK$) Digital Channel Offer - Credit Card Cash Rebate (HK$)
Designated Loan Tenor
12 - 18 Months 24 - 36 Months 48 - 60 Months
1,000,000 2,500 3,000 3,500
800,000 to 999,999 1,500 2,000 2,500
500,000 to 799,999 1,000 1,000 1,500
200,000 to 499,999 200 500 750
100,000 to 199,999 100 200 500
50,000 to 99,999 - 100 150

(6):
New Account means any account opened via Remote Account Opening in Chong Hing Mobile Banking by the customer who has not held any single name and/or joint name account with the Bank in the past 12 months prior to account opening (include the Bank’s credit card account).

(7):
Additional Reward details are as follows:

Designated Loan Amount (HK$) Additional Reward - Credit Card Cash Rebate (HK$)
Designated Loan Tenor
12 - 18 Months 24 - 36 Months 48 - 60 Months
1,000,000 2,500 3,500 4,500
800,000 to 999,999 1,500 2,500 3,000
500,000 to 799,999 1,000 1,500 2,000
200,000 to 499,999 200 500 1,000
100,000 to 199,999 100 250 500
50,000 to 99,999 - 100 150

(8):
Service hours of the Chong Hing Loan Application Hotline are from 9:00 am to 6:00 pm on Mondays to Fridays, and 9:00 am to 1:00 pm on Saturdays.

 

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

 

General Terms for Chong Hing Personal Loan (“Loan”):

1. Applicant aged 18 years or above holding a Hong Kong Identity Card (“Eligible Customer”) is eligible to apply for Chong Hing Personal Loan. Applicant may apply through the website of Chong Hing Bank Limited (the “Bank”), Chong Hing Mobile Banking, Chong Hing Loan Application Hotline or visiting any branch of the Bank in Hong Kong in person. The Bank shall base its consideration on the relevant approval requirements, including but not limited to the Eligible Customer’s financial status and credit check results, and determine whether or not to approve any Loan application and the final interest rate. The Bank has no obligation to disclose the reason of such determination. Eligible Customer whose Loan application is successfully approved shall receive the Bank’s notification of the approval result and Loan details by phone. If the approved Loan is not drawn in full within 30 days from such notification, the Bank’s approval shall be deemed as revoked and cancelled automatically without notice. The Bank may at its sole discretion adjust the approved Loan terms and conditions. Regarding the disbursement and drawing of the approved Loan, the applicant irrevocably instructs and authorises the Bank to disburse / credit the loan proceeds into the applicant’s repayment account with the Bank, and / or to disburse according to the applicant’s request which shall be deemed as drawn by the applicant. After full drawdown of the Loan successfully applied for, the Bank shall send its official Drawdown Advice to the customer concerned for record.
2. The minimum Loan amount is HK$10,000, and the maximum is HK$1,000,000 or 12 times the Eligible Customer’s monthly salary (whichever is lower).
3. Loan repayment tenor can be 12, 18, 24, 36, 48 or 60 months.
4. If the Loan application by an Eligible Customer does not fulfill the approval requirements of Chong Hing Personal Loan, the Bank may consider providing other loans of the Bank on a case-by-case basis with the consent of the Eligible Customer (if applicable). However, the interest rate, handling fee and/or repayment period of such other loan may be adjusted. The Bank will inform the Eligible Customer of such other loan’s finalized terms and conditions. If the Eligible Customer accepts the adjusted loan terms and conditions of such other loan, the Bank will credit such other loan approved into customer’s designated repayment account at the Bank according to the relevant procedures.
5. The Bank’s Terms and Conditions for Personal Instalment Loan are also applicable to Chong Hing Personal Loan. Please visit the Bank’s website at www.chbank.com for the details and for the repayment example of Chong Hing Personal Instalment Loan.
6. After approval of the Eligible Customer’s Loan application (if granted), the Bank shall lend to the Eligible Customer the Loan subject to the General Terms for Chong Hing Personal Loan, the Drawdown Advice issued by the Bank, terms of promotional offers (if applicable) and the Terms and Conditions for Personal Instalment Loan. After drawdown of the Loan, the Eligible Customer is deemed to have agreed to be bound by (in the event and to the extent of any inconsistencies among contents of the aforesaid documents, which shall be governed in descending priority of precedence as follows): the Drawdown Advice issued by the Bank, the General Terms for Chong Hing Personal Loan, the Terms and Conditions for Personal Instalment Loan, terms of promotional offer (if applicable) and the Account Terms.
7. The Bank reserves the right to cancel or amend the promotional offer (if applicable) and the General Terms for Chong Hing Personal Loan without any notice.
8. The Chinese translation of the General Terms for Chong Hing Personal Loan is provided for reference only. In case of any inconsistencies between the English and Chinese versions, the English version shall prevail.
9. In case of any disputes arising from the “General Terms for Chong Hing Personal Loan”, the Bank reserves the right of final decision at its sole discretion which shall be binding on the customers and applicants concerned.
10. Terms and Conditions for Personal Instalment Loan (click here)
11. Repayment Example of Chong Hing Personal Instalment Loan (click here)

Apply Now

(852) 3768 6899