Flexi Assets Financing1

Our “Flexi Assets Financing” provides diversified assets financing services. Flexible use of assets is to build your wealth and grow rich, make your plans a reality.

Tapping liquidity at ease with diversified financing plans

  • To provide you with a professional strategic plan, meet your financial needs.
  • Acceptable collateral include investment fund, time deposit, certificate of deposit, principal protected structured deposit, securities, insurance plan and RMB Government bond, etc.

Flexible repayment brings you greater financial flexibility

  • Selection among Overdraft, Term Loan and Instalment loan.
  • Easily check your lending account via e-channel and/or bank statement.
  • No minimum payment required for Overdraft, daily interest being calculated on the used amount and it is revolving facility.
  • Flexible interest repayment period and preset regular repayment instruction for Instalment Loan and Term Loan.

Flexi Assets Financing Collaterals and Loan Ratio Table:

Acceptable Collateral Type 2 Maximum Lending Ratio 2
Investment Fund Up to 80% of asset market value
Time Deposit/
Certificate of Deposit /
Principal Protected Structured Deposit
Up to 100% of asset market value
Securities Up to 60% of asset market value
Insurance Plan Up to 95% of initial surrender value
RMB Government Bond Up to 100% of asset market value


1.This Flexi Assets Financing is subject to the relevant terms and conditions, please contact our branch staff for details.

2.The Bank reserves the right to vary or terminate the acceptable collateral and the calculation of lending ratio from time to time.

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

    For further information regarding to our appointed loan referral agent list, please contact our customer service hotline at 218 95588.

    General Terms and Conditions:

    • This loan product is only applicable for retail customers.
    • Where the loan and collateral are in different currencies, exchange rate risk will be involved.
    • Hong Kong Interbank Offering Rate may be increased substantially if there is unbalance in the currency demand and supply in the market. Customer may be subject to higher interest payment due to the increase in interest rate.
    • Best Lending Rate means Hong Kong Dollar Best Lending Rate or Prime as quoted or determined by the Bank from time to time, subject to fluctuation and amendment at the Bank’s discretion. For details of Best Lending Rate, please refer to the “Prime Rate”.
    • The interest rate of loan will depend on your credit rating, loan amount and loan tenor confirmed in the facility letter. For details on loan service fees and charges, please refer to the “General Service Charges”.
    • The Bank reserves the right to vary or terminate the offer at any time and to amend these Terms and Conditions from time to time.
    • In case of dispute, the decision of the Bank shall be final and conclusive.
    • Any person or entity that is not a party to these Terms and Conditions shall have no rights under the Contracts (Rights of Third Parties) Ordinance (Cap. 623) to enforce any part of these Terms and Conditions.
    • In case of any inconsistency between English and Chinese versions of these Terms and Conditions, the English version shall prevail.