For Key Facts Statement for Debt Consolidation Loan, please click here.

Debt Consolidation Loan

If your credit card debts are accumulating, and using almost all of your salary for repayment, you are nowhere near being able to pay them off, don’t worry. Our Debt Consolidation Loan will help you clear all your debts. With a lower interest and fixed monthly instalment plan, you can easily clear your debts, save a fortune in interest charges, and cash out available for other needs.

Apply successfully and enjoy up to
HK$3,300 coupons^.

^Terms and conditions apply. For details, please click here.


Act Now!

Online Application

Call us

Call Personal Loans Hotline at (852) 2290 8118

WhatsApp us

WhatsApp us at (852) 6603 0001
Provide your surname and our staff will contact you to follow up your enquiry1


The online application will not be processed in real time and is not for urgent submission of information. Should you have any enquiry, please contact our 24-hour hotline at (852) 2290 8888.



Annualized percentage rate as low as 3.83%, monthly flat rate as low as 0.04%

Monthly flat interest rate as low as 0.02%
(Annualised Percentage Rate2 as low as 4.27%)2

Loan amount up to HK$2 millions or 21x monthly salary

Consolidate your debts with loan amount up to 21x your monthly salary
or HK$2,000,000
(whichever is lower)

Repayment period up to 72 months

Enjoy up to 72 months
flexible repayment period

Clear credit card debts and cash out for other needs

Easily clear your credit card debts
Cash out available for other needs


Document Upload

Please submit photocopies of required documents to facilitate our processing of your application. Documents submitted, together with the application form, will not be returned.


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Applicants must be a Hong Kong Permanent Resident aged 21 or above with a minimum annual income of HK$100,000


Interest Saving Table

  Current credit card debts DBS Debt Consolidation Loan
Loan amount HK$800,000 HK$800,000
Monthly repayment amount HK$32,310* HK$14,311#
Loan period 476 months 72 months
Total interest expense HK$1,385,621 HK$230,392

* Assuming the minimum payment amount is 4% of the HK$800,000 credit card outstanding balance at an interest rate of 30% p.a. (APR is 34.49%). The monthly repayment amount is the average of the first three months repayment.

# Assuming the repayment period is 72 months and the monthly flat rate is 0.4% (APR is 9.88%, including Loan Set Up Fee of 2%).


Repayment Schedule Calculator

Use the Repayment Schedule Calculator to calculate your repayment amount.

  1. Our staff would not obtain your personal information via WhatsApp channel, this channel is dedicated for enquiries on loan products only.
  2. The Annualised Percentage Rate (“APR”) is calculated in accordance with the guideline issued in respect of the Code of Banking Practice and is rounded to the nearest two decimal places. An APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate. The APR has included Loan Set Up Fee of 2% in the calculation. Loan Set Up Fee shall be deducted from the loan principal amount upon draw down of the loan and is non-refundable.
  3. The APR ranges from 4.27% to 30.57%. The minimum and maximum repayment period is 12 months and 72 months, respectively. The final interest rate and repayment period applicable to a customer is subject to his/her financial condition and is solely determined by us. To facilitate customer to repay, the monthly repayment amount is rounded to an integral, so the final APR may be slightly different from that quoted above.

If a customer decides to early pay off the loan, customer should assess whether the Early Settlement Administrative Fee outweighs the interest saved. To facilitate the assessment, customer can refer to “Personal Loans FAQ” on the Bank’s website for illustration. For details of such administrative fee, please refer to the Personal Instalment Loan Terms and Conditions.

Reminders about Responsible Borrowing

  • You should have a clear understanding of your financial condition, daily expenses, and actual borrowing needs.
  • You should assess your repayment ability and avoid over-borrowing.
  • You should repay any outstanding balance on time to avoid late payment charges and additional overdue interest.
  • To borrow or not to borrow? Borrow only if you can repay!

Personal Information Collection (PIC)
DBS Bank (Hong Kong) Limited safeguards your data in accordance with applicable Hong Kong laws. We only use the data we collect in accordance with our Data Policy which explains the data collection purposes, the persons to whom we may transfer data, your data access and correction rights and how you may contact our Data Protection Officer.

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