For Key Facts Statement for Personal Instalment Loan, please click here.

Apply successfully and enjoy up to
HK$800 coupons*.

Apply Now Key Facts Statement

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



Personal Instalment Loan Features

Loan amount up to HK$2,000,000
or 12x your monthly salary
(whichever is lower)

Enjoy up to 60 months
flexible repayment period

Monthly flat interest rate as low as 0.05%
annual percentage rates as low as 2.98%1

Redraw your repaid principal2
as many times as you like


Apply successfully and enjoy up to
HK$800 coupons*.

Apply Now Key Facts Statement

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



Personal Loans Application Flow

Only a Hong Kong identity card is required for application3
easy and convenient




Act Now!

Online Application

Call us

Call Personal Loans Hotline at (852) 2290 8118

WhatsApp us

WhatsApp at (852) 6603 0001
Provide your surname, our staff will contact you to follow up your enquiry6

DBS Loans




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.



Repayment Schedule Calculator

Please use the Repayment Schedule Calculator to calculate your specific repayment amount.



Reminder: To borrow or not to borrow? Borrow only if you can repay!


  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 a handling fee of 1%. The APR is calculated in accordance with the guidelines issued in respect of the Code of Banking Practice.
  2. You are eligible to apply for redrawing the repaid principal if a minimum of one instalment has been repaid and the repaid principal is over HK$5,000, with a punctual repayment record maintained. For application or enquiry about the details of redrawing the repaid principal and the terms and conditions, please call 2290 8118. We reserves the right of final approval based on the account condition.
  3. We reserve the right to request additional documents for application approval.
  4. For loan amount below HK$700,000, handling fee of 1.5% per annum will be charged. For loan amount of HK$700,000 or above, handling fee of 1% per annum will be charged. Handling fee is calculated based on the loan amount and the repayment period and is apportioned among the repayment period to be repaid together with the monthly instalment.
  5. The APR ranges from 2.98% to 8.62%. The minimum and maximum repayment period is 12 months and 60 months, respectively. The approval of the final interest rate, loan amount and repayment period is subject to the financial condition of individual customer. We have the absolute discretion in approving the loan.
  6. Our staff would not obtain your personal information via WhatsApp channel, this channel is dedicated for enquiries on loan products only.

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.

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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