Selected Customers can Enjoy Up to 5% Interest Rate Reduction on Personal Instalment Loan Interest Rates! - ICBC (Asia)
Selected Customers can Enjoy Up to 5% Interest Rate Reduction on Personal Instalment Loan Interest Rates!
During promotion period, selected customers1 can enjoy up to 5% interest rate reduction4 on personal instalment loan with loan promotional codes from designated promotional materials / channels2!
Promotion Period: From 1 November 2025 to 31 March 2026 (Both dates inclusive)
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Terms and conditions
Selected customers in “Selected Customers can Enjoy Up to 5% Interest Rate Reduction on Personal Instalment Loan Interest Rates!”(“the Promotion”) are refer to customers who received loan promotional codes from designated promotional materials/channels. The Bank reserves the right for final decision in case of any disputes.
The promotional codes in this promotion refer to those loan promotional codes distributed via promotional emails issued by the Bank’s designated third-party collaborators or those loan promotional codes accessible through designated third-party collaborator websites/mobile applications. Loan promotional codes can be redeemed online via “Apply Now” or by calling our Instalment Hotline 2533 8686 (from Monday to Friday, 9:00 a.m. to 6:00 p.m., excluding public holidays).
Customer who apply on or before 31 March 2026, is successfully approved and drawdown HK$100,000 - HK$199,999 is entitled to enjoy HK$1,688 cash rebate (“HK$1,688 Cash Rebate”); is successfully approved and drawdown HK$200,000 - HK$299,999 is entitled to enjoy HK$3,500 cash rebate (“HK$3,500 Cash Rebate”); is successfully approved and drawdown HK$300,000 - HK$999,999 is entitled to enjoy HK$4,388 cash rebate (“HK$4,388 Cash Rebate”); is successfully approved and drawdown HK$1,000,000 - HK$1,499,999 is entitled to enjoy HK$8,888 cash rebate (“HK$8,888 Cash Rebate”); is successfully approved and drawdown HK$1,500,000 or above is entitled to enjoy HK$18,888 cash rebate (HK$18,888 Cash Rebate”). Each eligible customer can earn the HK$1,688 Cash Rebate, HK$3,500 Cash Rebate, HK$4,388 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 in the second month after drawdown (For example, if the eligible customer is successfully approved and drawdown the Loan on 9 October 2025, Cash Rebate will be deposited into the disbursement/repayment account on or before 31 December 2025). To be eligible for the Cash Rebate, eligible customers should maintain good repayment record 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 maturity date, the Bank reserves the right to impose fees and charges upon early repayment of the Loan.
Selected customers can enjoy up to 5% interest rate reduction on personal instalment loan via this promotion. For illustrative purposes only, existing customers can be approved with a APR as low as 3.02% (HK$1,000,000, 12-month tenor, and without this promotion) and with a APR as low as 2.869%(HK$1,000,000, 12-month tenor, and with this promotion). The final approved loan interest rates 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.
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.
The highest approval amount for the Loan is up to HK$4,000,000 or 20 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.
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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