Your Debt Consolidation Loan

Apply successfully and enjoy up to
HK$3,000 coupons & HK$8,600 interest discount.

Apply Now Key Facts Statement

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



Consolidate your debts with loan amount up to HK$1,200,000
Or 18x your monthly salary (whichever is lower)

Monthly flat interest rate as low as 0.04%
(annual percentage rates as low as 3.83%)2 to simplify your finances

Enjoy up to 72 months
Flexible repayment period

One-minute approval4
Bank instantly

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


How To Apply

DBS iBanking User Login Now Key Facts Statement
Non-iBanking User Apply Now Key Facts Statement

Apply via DBS Loans App

Or search for "DBS Loans" at App Store or Google Play

Call our Hotline at (852) 2290 8118



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$12,431#
Loan period 476 months 72 months
Total interest expense HK$1,385,621 HK$23,040


Repayment Calculator

Please visit the Repayment Calculator to calculate your specific repayment amount.


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


  1. Loan amount up to HK$1,200,000 or 18 times your monthly salary (whichever is lower).
  2. Monthly flat rate of 0.04%, its annualized percentage rate ("APR") is 3.83%. The APR is calculated based on the instalment period of 72 months including each year 1.5% handling fee. The APR is calculated in accordance with the guidelines issued in respect of the Code of Banking Practice.
  3. The total interest saved is determined on case-by-case basis (depends on various factors such as the outstanding balance of the existing credit card, interest rate charged by the credit card, monthly repayment amount, repayment period as well as the loan amount approved by us subject to your financial condition and the loan interest rate, repayment period and monthly repayment amount).
  4. One minute final approval result is applicable to applications via the Bank's website, DBS Loans App or DBS iBanking on Monday to Friday 9am – 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.
  5. 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.
  6. If there is any inconsistency or conflict between the English and Chinese versions, the English version shall prevail.

* Assuming the monthly repayment amount is 4% of the HK$800,000 credit card outstanding balance or HK$50(whichever is higher) at an interest rate of 30% p.a. (APR is 34.49%). The monthly repayment amount stated in the table is the average of the first three months repayment.

# Assuming the repayment period is six years and the monthly flat rate is 0.04% (APR is 3.83%, including 1.5% p.a. handling fees). The APR is calculated in accordance with the guidelines issued in respect of the Code of Banking Practice. The final approval of the interest rate, loan amount and repayment period is subject to the financial condition of customer. For details of interest calculation and the loan features, please contact our staff.

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.

Apple is not a participant in or sponsor of this promotion. Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play™ is a service mark of Google Inc. Android™ is a service mark of Google Inc.

The downloading and/or use of the Quick Response Code Reader ("QR Code Reader") is entirely at your sole discretion. The Bank shall not be held liable in any way for any loss (including loss of data) you suffered arising from or in connection with your downloading and/or use of the QR Code Reader.


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