ICBC(Asia)-Personal > Loans > Consumer Lending > Personal Instalment Loan
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ICBC (Asia) Happy Loan - Personal Instalment Loan offers you preferential interest rate and flexible loan tenor with handling fee waiver for the entire repayment period allowing you to enjoy your life without any hassle. You can now have ample cash to grasp every chance to realize your dream.

Product Features

  • Loan amount up to HK$1,000,000 or 10 times of monthly salary (whichever is lower)
  • Flexible loan tenor up to 60 months
  • Handling fee waiver for entire repayment period
  • Approved loan amount will be credited directly to your designated bank account

Interest Rate Offer

  • Monthly flat rate as low as 0.137%, annualized percentage rate as low as 2.78%1

Bonus Offers

  • Preferential customer can enjoy cash rebate up to HK$1,0882 and extra cash rebate HK$1003

Monthly Repayment Table

Preferential Customer4


Applicable to the staff of Corporate/Commercial clients of the Bank and cross-border staff (only applicable to staff of Mainland China corporations)

Loan

Amount

Monthly

Flat

Rate

Cash

Rebate2

Extra

Cash

Rebate3

APR5
Monthly Repayment Amount Based on Every HK$10,000 Loan Amount (HK$)

12

Months

18

Months

24

Months

36

Months

48

Months

60

Months

HK$800,000-

HK$1,000,000

0.137%

HK$1,088

HK$100 2.78%
2.94%
3.02%
3.10%
3.13%
3.14%
$847.03
$569.26
$430.37
$291.48
$222.03
$180.37
HK$500,000-
HK$799,999

HK$488

2.84%
2.98%
3.05%
3.12%
3.14%
3.15%
$847.03
$569.26
$430.37
$291.48
$222.03
$180.37
HK$300,000-
HK$499,999

0.176%

HK$288

3.70%
3.87%
3.95%
4.02%
4.04%
4.04%
$850.93
$573.16
$434.27
$295.38
$225.93
$184.27
HK$100,000-
HK$299,999

0.191%

HK$100

3.90%
4.12%
4.23%
4.32%
4.35%
4.36%
$852.43
$574.66
$435.77
$296.88
$227.43
$185.77
HK$50,000-
HK$99,999

0.250%

HK$0

HK$0

5.63%
5.76%
5.81%
5.83%
5.82%
5.79%
$858.33
$580.56
$441.67
$302.78
$233.33
$191.67
HK$10,000-
HK$49,999
0.357% HK$0 HK$0 8.10%
8.27%
8.32%
8.33%
8.28%
8.21%
$869.03 $591.26 $452.37 $313.48 $244.03 $202.37

 

Applicable to customers with Elite Club accounts of the Bank and professional customers

Loan

Amount

Monthly

Flat

Rate

Cash

Rebate2

APR5
Monthly Repayment Amount Based on Every HK$10,000 Loan Amount(HK$)

12

Months

18

Months

24

Months

36

Months

48

Months

60

Months

HK$800,000-

HK$1,000,000

0.137%

HK$1,088

2.81%
2.96%
3.04%
3.11%
3.13%
3.14%
$847.03
$569.26
$430.37
$291.48
$222.03
$180.37
HK$500,000-
HK$799,999

HK$488

2.88%
3.01%
3.07%
3.13%
3.15%
3.16%
$847.03
$569.26
$430.37
$291.48
$222.03
$180.37
HK$300,000-
HK$499,999

0.176%

HK$288

3.76%
3.91%
3.98%
4.04%
4.06%
4.06%
$850.93
$573.16
$434.27
$295.38
$225.93
$184.27
HK$100,000-
HK$299,999

0.191%

HK$100

4.10%
4.25%
4.33%
4.39%
4.40%
4.40%
$852.43
$574.66
$435.77 $296.88
$227.43
$185.77
HK$50,000-
HK$99,999

0.250%

HK$0

5.63%
5.76%
5.81%
5.83%
5.82%
5.79%
$858.33
$580.56
$441.67
$302.78
$233.33
$191.67

HK$10,000-

HK$49,999

0.357% HK$0 8.10%
8.27%
8.32%
8.33%
8.28%
8.21%
$869.03 $591.26 $452.37 $313.48 $244.03 $202.37

 

General Customer

Loan

Amount

Monthly

Flat

Rate

APR5
Monthly Repayment Amount Based on Every HK$10,000 Loan Amount (HK$)

12

Months

18

Months

24

Months

36

Months

48

Months

60

Months

HK$500,000-
HK$1,000,000

0.140%

3.13% 3.21%
3.24%
3.27%
3.27%
3.27%
$847.33 $569.56 $430.67 $291.78 $222.33
$180.67
HK$300,000-
HK$499,999

0.180%

4.04% 4.13% 4.17% 4.20% 4.20%
4.19%
$851.33 $573.56 $434.67 $295.78
$226.33
$184.67

HK$100,000-

HK$299,999

0.195%

4.38% 4.48% 4.52% 4.55%
4.55%
4.53%
$852.83 $575.06 $436.17 $297.28
$227.83
$186.17
HK$50,000-
HK$99,999

0.255%

5.75% 5.87% 5.92% 5.95%
5.93%
5.90%
$858.83 $581.06 $442.17 $303.28
$233.83
$192.17
HK$10,000-
HK$49,999
0.365% 8.29% 8.45% 8.51% 8.51%
8.46%
8.39%
$869.83 $592.06 $453.17 $314.28 $244.83 $203.17

 

Apply with ease

  • Visit any of our branches
  • Call our Customer Service Hotline on 218 955886

          (Apply via hotline to obtain the preliminary approval result7)

 

Notes:

  1. Annualized percentage rate (APR) 2.78% is only applicable to preferential customers. The APR is calculated based on loan amount HK$800,000 and 12-month repayment tenor with HK$1,088 cash rebate offer and HK$100 extra cash rebate included.

  2. Cash rebate is only applicable to preferential customers who use the accounts of the Bank for loan disbursement/repayment. The cash rebate will be deposited into the disbursement/repayment accounts the sixth month after loan drawdown date. To be eligible for the cash rebate, customers should maintain good repayment record and the loan and the account shall remain active and in good condition before and upon the cash rebate.

  3. Extra cash rebate is only applicable to the staff of the Corporate/Commercial clients of the Bank and cross-border staff (only applicable to staff of Mainland China corporations) who use the accounts of the Bank for loan disbursement/repayment. Extra cash rebate will be credited directly into the disbursement/repayment account on the loan drawdown date.

  4. The offers of preferential customers are only applicable to the preferential customers designated by the Bank including the staff of the Corporate/Commercial clients of the Bank, cross-border staff (only applicable to staff of Mainland China corporations), customers with Elite Club accounts of the Bank and professional customers. The Bank reserves the final right to interpret the definition of preferential customers.
  5. The above example is for reference only. The APR of the example is calculated based on the lowest loan amount amongst every loan amount group and includes cash rebate and extra cash rebate (if applicable). The APR is calculated according to the Code of Banking Practice. The interest rate is applicable on a case-by-case basis and the finally approved interest rate is subject to the loan amount and credit assessment result.

  6. Office hour of the Customer Service Hotline: Mondays to Fridays from 9:00 am to 6:00 pm; Saturdays from

    9:00 am to 1:00 pm.

  7. The preliminary approval result is for reference only, the final result is subject to the credit status and information/documents submitted by the applicant. The Bank has the sole and absolute discretion to decide whether to accept the application or not.

General Terms and Conditions:

  1. The above-mentioned interest rates and related terms shall be subject to variation from time to time at the Bank's absolute discretion without prior notice. The Bank reserves the right for final decision in case of dispute.

  2. In case of any discrepancy between the English and Chinese versions, the English version shall apply and prevail.

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