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    Unsecured Overdraft Facility

    Easy application

    1. 1

      Apply online

      Start your loan application journey.

    2. 2

      Upload documents

      View the required documents.

    3. 3

      Enhance financial flexibility with Standby Cash

      Offers you extra cash to meet your financial needs.

    Latest offer

    Annual fee waiver[1]

    Saving interest expenses

    No cash advance fee required

    Unsecured overdraft limit up to HKD800,000 or 8 times your monthly salary[2]

    Avoid return cheque charges

    Loan rate and monthly repayment amount

    Edit your loan plan

    Answer simple questions below and get your loan plan

    HKD 5,000.00
    HKD 800,000.00
    day(s)
    Your loan plan Result Your instalment plan
    As of HKT
    Monthly repayment amount
    HKD HKD -
    Monthly flat rate
    - %
    Monthly handling fee (%)
    HKD -
    Debt Consolidation Instalment Loan Credit Card Minimum Payment
    Debt Consolidation Instalment Loan Credit Card Minimum Payment
    Monthly repayment amount HKD - Minimum Payment
    Total interest amount HKD - (Save HKD -) HKD -
    Repayment period 72 month(s) (Shortened by - month(s)) - month(s)
    The Annualised Percentage Rate of Debt Consolidation Instalment Loan is -
    Your payment will be as follows if you make no additional changes using this account:
    Each month you pay (HKD) Repayment period Estimated total payment amount (HKD)
    Each month you pay (HKD) Repayment period Estimated total payment amount (HKD)
    Only the minimum repayment - month(s) -
    - 36 month(s) -
    If you pay off the balance amount in 36 months, you can save HKD - for the total payment amount.
    Annual interest rate
    - %
    Annualised Percentage Rate (”APR“)
    - %
    Daily interest payable Daily interest paid
    HKD -
    Monthly interest paid[6] Monthly interest paid[7]
    HKD - -
    Interest rate Effective rate (p.a.)
    - %
    Monthly minimum payment amount
    HKD -
    Total interest to be paid[2]
    HKD -
    Annualised interest rate (p.a.)
    -
    Apply now
    View repayment schedule
    Your loan plan

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    • The result of the loan calculator is for reference only. The actual repayment liability depends on the actual terms of each borrowing arrangement.  
    • If customers’ applications cannot meet our Unsecured Overdraft Facility approval requirements, the applications will still be processed on a case-by-case basis, but the rate offered may be adjusted. Customer will be notified of the relevant adjusted rate upon Unsecured Overdraft Facility approval. 
    Title
    Unsecured overdraft limit (HKD)Interest rate (per annum)Annual fee
    Unsecured overdraft limit (HKD)Interest rate (per annum)Annual fee
    $5,000 to $199,999
    		Prime Rate + 5%Perpetually waived[1]
    $200,000 to $800,000
    		Prime Rate + 4%Perpetually waived[1]
    • Prime Rate refers to the Hong Kong Dollar Prime Lending Rate as quoted by Hang Seng Bank Limited (“Hang Seng”) from time to time.
    • Interest will be calculated on the basis of actual number of days elapsed and a 365/366-day year.
    • If customers’ applications cannot meet our Unsecured Overdraft Facility approval requirements, the applications will still be processed on a case-by-case basis, but the rate offered may be adjusted. Customer will be notified of the relevant adjusted rate upon Unsecured Overdraft Facility approval.
    • Professionals include: (i) customers with a professional certificate issued by a professional body, including but not limited to doctors, accountants, lawyers, architects, surveyors, engineers and pilots (ii) senior civil servants with Master Pay Scale Point of 34 or above or equivalent. Hang Seng reserves the right of final interpretation to the definition of “Professionals”. Privileged customers include Hang Seng Payroll account customers and Hang Seng Mortgage customer. For details, please contact our staff.

    Footnote

    Remark(s)

    1. For the annual fee waiver, please refer to the Promotion Terms and Conditions set out at the last section for details.
    2. The final approved Unsecured Overdraft limit is subject to change in accordance with the circumstances of individual cases.
    3. The minimum unsecured overdraft limit is HKD5,000.
    4. For details of the service provisions, fees and charges of the relevant Integrated Account, please refer to respective leaflets of the corresponding products.
    5. The salary scheme of our representatives (included basic salary and incentive) is based on their performance of various aspects and not only the sales target achieved.
    6. For the frequently asked questions relating to Unsecured Overdraft Facility (e.g. Difference between an instalment loan and an overdraft, etc), please refer to our Bank’s website (Personal Banking Loans Unsecured Overdraft Facility FAQ).

    Terms and Conditions apply to the offers and services.

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

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