Personal Loans

Personal Instalment Loan

Offers a monthly flat rate as low as 0.05% with a loan amount up to 8x of monthly salary.


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  • Loan amount up to HK$800,000 or 8x your monthly salary (whichever is lower)
  • Monthly flat interest rate as low as 0.05% (Annualised Percentage rate as low as 2.98%)1
  • Flexible repayment period of up to 60 months
  • Flexibility to redraw your repaid principal when in need2, please click here to apply
  • One minute approval

Whether you are realising your dreams or dealing with a huge expenditure, the low interest rate Personal Instalment Loan can provide you with a lump sum cash. You can also choose your fixed monthly repayment amount as well as repayment period according to your individual needs, making your financial management easier than ever.

  • Expecting a Child
  • Further Study
  • Home Renovation
  • Business Start up
  • Medical Emergency
  • Wedding
  • Household Expenditure
How much should I repay?

Loan Amount(HK$):

Loan Period:

Please submit photocopies of the following documents in order to facilitate your application. Documents supplied, including this application, will not be returned.

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  • Applicants must be a Hong Kong Resident aged 18 or above with a minimum annual income of HK$80,000

How to Apply

This form is not for urgent submission of information (e.g. reporting of fraud or suspicious transactions). Should you have any enquiry, please kindly contact our 24-hour hotline at (852) 2290 8888.

  1. The Annualised Percentage Rate (“APR”) of 2.98% is calculated based on the monthly flat rate of 0.05% and instalment period of 12 months including 1% handling fee. The APR is calculated in accordance with the guidelines issued in respect of the Code of Banking Practice.
  2. Customers are eligible to apply for a top-up loan on the repaid principal amount if a minimum of one instalment is repaid, and the repaid principal amount is over HK$5,000 with a punctual repayment record maintained. For application or enquiry about the details of top-up loan and the terms and conditions, please contact us at 2290 8118. DBS Bank (Hong Kong) Limited (the “Bank”) reserves the right of approval of the top-up loan based on the customer's financial standing.
  3. Loan amount below HK$700,000, 1.5% handling fee will be charged each year. Loan amount of HK$700,000 or above, 1% handling fee will be charged each year. The handling fee is calculated based on the approved loan amount and the instalment period, and apportioned according to the instalment period for repayment with the monthly instalment.
  4. The monthly repayment amount is calculated based on loan amount of every HK$10,000.
  5. One minute approval is applicable to applications via the Bank website and DBS Loans App on Monday to Friday 9am to 12 midnight, Saturday 9am - 1pm and 2pm to 10pm, Sunday noon to 9pm. Customers apply in timeslot that is not mentioned above, we will contact you to follow up your application in next working day. The Bank may request particular customers to visit the branch for identity verification.
  6. The approval of the final interest rate, loan amount and instalment period is subject to the financial condition of customer. The Bank has the absolute discretion in approving the loan.
  7. If there is any inconsistency or conflict between the English and Chinese versions, the English version shall prevail.
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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