Homeowner Loans 2026 | Unsecured Owner Loans Compared

Why compare with Money932?

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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.

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Quick Summary

Institution	Lowest APR ▲	Bonus Value	Monthly Repayment From	Total Interest From
CreFIT Cash Loan CreFIT Details Very high bonus value Dedicated homeowner/civil-servant plans Unsecured	1.38%	HK$62,200	HK$7,608	HK$2,588	Apply Now ↗
K Cash Private Housing Owner Loan K Cash Details Plans for private/HOS/public housing No re-mortgage needed Fast approval	2.88%	HK$300	HK$7,734	HK$5,616	Apply Now ↗
HK Finance Homeowner Loan HKF Details High-amount homeowner loan Flexible no-deed-search option Same-day approval	8.00%	HK$20,000	HK$8,130	HK$15,120	Apply Now ↗
UA Homeowner Privilege Loan United Asia Finance Details Preferential homeowner rates No valuation or deed search Large cash-out amounts	2.98%	HK$5,000	HK$7,608	HK$2,592	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

Can public housing owners with unpaid premium apply?

Yes — some lenders offer dedicated plans without premium payment, though amounts and rates vary; compare individually.

Homeowner Loan Comparison