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If you choose to pay off the “Fee Based Instalment” early, you are not able to save any interest because interest payable for the remaining term of the “Fee Based Instalment”, which is embedded in the monthly instalment amount shall still be payable.* The above example is based on an instalment amount of HK$10,000, 12-months instalment and a monthly flat rate at 0.18%. The interest is calculated at 365 days per year, while the daily interest is as low as HK$0.6 and the annualised percentage rate is 4.04%. The Annualised Percentage Rate (APR) is calculated in accordance with the guidelines issued in respect of the Code of Banking Practice. The daily interest is rounded to the nearest 1 decimal place.