ICBC (Asia) | Personal Instalment Loan
Personal Instalment Loan
Preferential Interest Rate. Fulfil YOUR BIG DREAMS with Ease!
Our Personal Instalment Loan enables you to achieve your dreams and desires, with absolute ease! With a preferential interest rate, a flexible loan tenor, and a handling fee waiver for the entire repayment period, it gives you ample cash when you most need it! Bring on those BIG Dreams!
Interest Rate Offer
Monthly flat rate as low as 0.135%1&2, annualized percentage rate as low as 3.02%1&2.
Cash Rebate
1.Promotional period: From 1 April 2026 to 30 June 2026 (both dates inclusive)
2.If you successfully apply for a Loan during the promotional period and the Loan is drawn down with the designated Loan amount and repayment period, you will be eligible for cash rebate 3 of up to HK$18,888.The cash rebate amounts for different Loan amounts and repayment periods are as follows:
| Loan Amount（HK$） | ||
| Cash Rebate（HK$） | ||
| Loan Tenor 12 months |
Loan Tenor 24 months or above |
|
| $100,000 - $199,999 | $888 | $1,688 |
| $200,000-$299,999 | $1,288 | $2,888 |
| $300,000-$499,999 | $2,888 | $4,688 |
| $500,000-$999,999 | $3,288 | $6,888 |
| $1,000,000-$1,499,999 | $4.388 | $8,888 |
| $1,500,000 or above | $8,888 | $18,888 |
Product Features
- Loan amount up to HK$4,000,000 or 18 times of monthly salary (whichever is lower)4
- Flexible loan tenor up to 60 months5
- Handling fee waiver for entire repayment period
Monthly Repayment Schedule
Existing Banking Customer6
| Loan Amount (HK$) | Monthly Flat Rate | 12 month tenor | 24 month tenor | Monthly Flat Rate | 36 month tenor | 48 month tenor | 60 month tenor |
| Annualised percentage rate2 | Annualised percentage rate2 | Annualised percentage rate2 | Annualised percentage rate2 | Annualised percentage rate2 | |||
| $1,000,000 or above | 0.135% | 3.02% | 3.12% | 0.165% | 3.85% | 3.85% | 3.84% |
| $800,000-$999,999 | 0.145% | 3.24% | 3.36% | 0.175% | 4.08% | 4.08% | 4.07% |
| $500,000-$799,999 | 0.155% | 3.47% | 3.59% | 0.185% | 4.32% | 4.32% | 4.30% |
| $300,000-$499,999 | 0.185% | 4.15% | 4.29% | 0.195% | 4.55% | 4.55% | 4.53% |
| $100,000-$299,999 | 0.195% | 4.38% | 4.52% | 0.215% | 5.02% | 5.01% | 4.99% |
| $50,000-$99,999 | 0.195% | 4.38% | 4.52% | 0.215% | 5.02% | 5.01% | 4.99% |
| $10,000-$49,999 | 0.215% | 4.83% | 4.99% | 0.235% | 5.48% | 5.47% | 5.45% |
Normal Customer6
| Loan Amount (HK$) | Monthly Flat Rate | 12 month tenor | 24 month tenor | Monthly Flat Rate | 36 month tenor | 48 month tenor | 60 month tenor |
| Annualised percentage rate2 | Annualised percentage rate2 | Annualised percentage rate2 | Annualised percentage rate2 | Annualised percentage rate2 | |||
| $1,000,000 or above | 0.1400% | 3.13% | 3.24% | 0.1700% | 3.97% | 3.97% | 3.96% |
| $800,000-$999,999 | 0.1500% | 3.36% | 3.47% | 0.1800% | 4.20% | 4.20% | 4.19% |
| $500,000-$799,999 | 0.1600% | 3.58% | 3.71% | 0.1900% | 4.43% | 4.43% | 4.42% |
| $300,000-$499,999 | 0.1950% | 4.38% | 4.52% | 0.2050% | 4.78% | 4.78% | 4.76% |
| $100,000-$299,999 | 0.2050% | 4.60% | 4.75% | 0.2250% | 5.25% | 5.24% | 5.22% |
| $50,000-$99,999 | 0.2050% | 4.60% | 4.75% | 0.2250% | 5.25% | 5.24% | 5.22% |
| $10,000-$49,999 | 0.2250% | 5.06% | 5.22% | 0.2450% | 5.72% | 5.70% | 5.68% |
Example7: Calculated by Every Loan Amount of HKD10,000, 12-month repayment period and monthly flat rate 0.135%1.
The calculation of Monthly Interest, Daily Interest and Monthly Repayment Amount are rounded to the nearest two decimal places. Daily interest is calculated based on 30 days in a month.
| Monthly Interest | Daily Interest Monthly | Repayment Amount |
| HKD13.50 | HKD0.45 | HKD846.83 |
How to apply
1.Contact the Bank’s instalment hotline at (852) 2533 8686 (Monday to Friday, 9:00 AM to 6:00 PM, except public holidays).
2.Through ICBC (Asia) Mobile Banking App (Applicable for all customers)
Step 1: Choose “Loan” > “Credit Loan” > “Personal Instalment Loan”, through ICBC (Asia) Mobile Banking App
Step 2: Fill in the information for customer identity verification (Just scan your Hong Kong identity card, conduct facial recognition and complete the application form.)
Step 3: Confirm the application information and the application is successfully submitted
Download Documents
Reminders:
To borrow or not to borrow ? Borrow only if you can repay!
Protect your Personal Digital Keys; Beware of fraudulent links!
Don’t lend or sell your account. Don’t risk your future for quick money.
Reminders:
To borrow or not to borrow ? Borrow only if you can repay!
Protect your Personal Digital Keys; Beware of fraudulent links!
Don’t lend or sell your account. Don’t risk your future for quick money.
Remarks:
Only applicable to the existing banking customer of Industrial and Commercial Bank of China (Asia) Limited (“the Bank”) who is successfully approved and drawdown the personal instalment loan (“Loan”) with an approved Loan amount of HK$1,000,000 or above. Annualised percentage rate (APR) 3.02% is calculated based on monthly flat rate 0.135% and 12-month repayment tenor, the above example is for reference only.
The APR of the loan is calculated based on the guidelines as set out in the Code of Banking Practice. The Bank shall have the right at its discretion to apportion any payment between interest and principal in such manner as it shall desire. The annualised percentage rate is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualised rate. 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. The Bank reserves the right of final decision the approval result, and the Bank reserves the right for final decision in case of any disputes.
Each eligible customer can earn the HK$888 Cash Rebate, HK$1,288 Cash Rebate, HK$1,688 Cash Rebate, HK$2,888 Cash Rebate, HK$3,288 Cash Rebate, HK$4,388 Cash Rebate,HK$4,688 Cash Rebate, HK$6,888 Cash Rebate, HK$8,888 Cash Rebate or HK$18,888 Cash Rebate (“Cash Rebate”) once only. Cash Rebate will be deposited into the disbursement/repayment account within two months after the end of promotional period (For example, if the eligible customer is successfully approved and drawdown the Loan on 9 April 2026, CashRebate will be deposited into the disbursement/repayment account on or before 31 August 2026). To be eligible for the Cash Rebate, eligible customers should maintain good repaymentrecord and the Loan and the account shall remain active and in good condition before and upon receiving the Cash Rebate. If eligible customer repay the Loan early before the maturitydate, the Bank reserves the right to impose fees and charges upon early repayment of the Loan.
The highest approval amount for the Loan is up to HK$4,000,000 or 18 times of monthly salary (whichever is lower), the final approved loan amount will be subject to the customer’s situation. The Bank reserves the right of final decision the approval result, and the Bank reserves the right for final decision in case of any disputes.
Repayment Tenor can be 12-month, 24-month, 36-month, 48-month or 60-month.
Existing Banking Customers include: 1) The Bank’s existing bank account customers; 2) The Bank’s existing loan customers; 3) The Bank’s existing credit card customers. The Bank reserves the final right to interpret the definition of Privileged and Existing Banking Customer. Except Existing Banking Customers, the remaining customers are Normal Customers.
The above example is for reference only. The monthly repayment amount of the example is calculated based on loan amount HK$10,000 and 12-month, repayment tenor.
Any person or entity that is not a party to these Terms and Condition shall have no rights under the Contracts (Rights of Third Parties) Ordinance (Cap. 623 Laws of Hong Kong) to enforce any part of these Terms and Conditions.
The Bank reserves the right to vary or terminate the offer at any time. The Bank reserves the right for final decision in case of any disputes.
In case of any discrepancy between the English and Chinese versions, the Chinese version shall prevail.
Terms and conditions apply to above offers and services.
For the details of the terms and conditions, please contact our branch staff or refer to the application form.
“ICBC (Asia)” or “the Bank” refers to Industrial and Commercial Bank of China (Asia) Limited.
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