Bank Loan Comparison

Last updated: 2026-08-27

Why compare with Money932?

Every option on one page

No more hunting across bank websites. We consolidate products from major Hong Kong institutions so you can compare rates, fees and offers side by side.

Transparent and neutral

Uniform comparison criteria. Rankings are never sold. Product terms are laid out clearly so you can decide with confidence.

Free to use, always

The platform is funded by institutions, not users. Using Money932 costs you nothing and never affects your application terms.

Quick Summary

Institution	Lowest APR ▲	Bonus Value	Monthly Repayment From	Total Interest From
BEA Instalment Loan Bank of East Asia Details Seasonal tax-loan preferential rate Extra bonus value Instant online decision	1.00%	HK$20,800	HK$7,581	HK$1,944	Apply Now ↗
Citi Ready Credit Cash Loan Citibank Details Approval within 30 minutes online Instant fund transfer Exclusive cash rewards	1.78%	HK$2,800	HK$7,644	HK$3,456	Apply Now ↗
CNCBI $mart Plus Instalment Loan CNCBI Details Quick in-app application Among the lower-rate options Flexible loan amount	1.78%	HK$2,800	HK$7,568	HK$1,642	Apply Now ↗
OCBC Personal Loan OCBC Wing Hang Details Preferential tax-season rate Rich cash rebates Instant online approval	1.30%	HK$4,500	HK$7,753	HK$2,419	Apply Now ↗
Fubon Personal Loan Fubon Bank Details Flexible approval by Taiwanese bank High loan amount option Suitable for freelancers	8.50%	HK$6,000	HK$8,157	HK$15,768	Apply Now ↗
DBS LoanEase Personal Loan DBS Bank Details Backed by DBS Group Convenient online application Instant transfer for existing customers	6.38%	HK$3,100	HK$7,698	HK$4,752	Apply Now ↗
CCB (Asia) Good Cash Instalment Loan CCB (Asia) Details Low rates from a major Chinese bank Seasonal tax-loan offers Handling fee waived	1.33%	HK$3,500	HK$7,630	HK$3,123	Apply Now ↗
BOC Easy Money Instalment BOC Hong Kong Details Stable approval by note-issuing bank Extensive branch network Ideal for existing BOC customers	6.76%	—	HK$8,023	HK$12,554	Apply Now ↗
Standard Chartered Personal Loan Standard Chartered Details International banking group Fast online application Competitive rates	1.85%	HK$1,000	HK$7,649	HK$3,586	Apply Now ↗
Dah Sing Quick Cash Instalment Dah Sing Bank Details Local family-owned bank Lower entry threshold Fast approval	1.38%	HK$500	HK$7,740	HK$5,759	Apply Now ↗
HSBC Flexible Instalment Plan HSBC Details Hong Kong's largest note-issuing bank Instant transfer for HSBC customers Full branch services	6.75%	—	HK$8,022	HK$12,528	Apply Now ↗
DBS Fixed-Amount Personal Loan DBS Bank Details Very low total interest For short-term needs Fixed repayment amount	4.04%	HK$2,000	HK$7,518	HK$432	Apply Now ↗
CNCBI $mart Plus Balance Transfer CNCBI Details Dedicated balance-transfer plan Consolidate multiple card debts Clear interest cost	7.20%	HK$2,800	HK$7,896	HK$9,504	Apply Now ↗
Standard Chartered Debt Consolidation Standard Chartered Details Large-ticket consolidation Longest tenor options Lower monthly burden	9.60%	HK$2,800	HK$8,240	HK$17,751	Apply Now ↗
CCB (Asia) Low-Rate Balance Transfer CCB (Asia) Details Low-rate card debt clearance Rich rewards Bank-grade assurance	4.95%	HK$4,800	HK$7,896	HK$9,504	Apply Now ↗
Citi Credit Card Balance Transfer Citibank Details Instant card debt settlement Transparent instalment fees Apply in-app	5.40%	HK$2,800	HK$7,932	HK$10,368	Apply Now ↗
BEA Car Loan Bank of East Asia Details Accepts dealer and private purchases Low car-loan rates Fast approval	1.00%	HK$20,800	HK$7,581	HK$1,944	Apply Now ↗

For reference only. Actual terms are subject to each institution's official announcement. Monthly repayment estimated on HK$180,000 over 24 months.

🧮 Loan Calculator

Loan amount (HK$)

Tenure (months)

APR (%)

Monthly repayment

HK$7,665

Total repayment

HK$183,970

Total interest

HK$3,970

Results are indicative only. Actual repayment depends on the lender's approval.

FAQ

What documents do bank loans require?

Typically HKID, proof of address (within 3 months) and income proof (pay slips, bank statements or tax returns); the self-employed may need business registration and financials.

Which bank approves most easily?

Banks where you already hold payroll or wealth relationships usually approve smoothest. Mid-size banks like Dah Sing and BEA are flexible with atypical income; HSBC and BOC favour stable salaried clients.