For DBS Treasures customers, if you failed to maintain HKD1,000,000 monthly average account balance, you will be charged maintenance fee HKD 200 per month. For TPC customers, if you failed to maintain HKD8,000,000 monthly average account balance, you will be charged maintenance fee HKD 400 per month.
You need to take a long, hard look at your current and future financial situation before you take on any new debt. As part of this analysis, you should look at your debt ratio and set a realistic budget for debt repayment. Many experts recommend that no more than 40% of your monthly income should go to paying all debts, including mortgage payments.