You can apply Purchase Instalment Program with accumulated credit card spending HK$1,000 or above. Monthly handling fee is as low as 0.28%!
Spending Type
Instalment Amount
Repayment Period
Monthly Handling Fee
Any Spending
HK$1,000 - HK$29,999
12 or 24 months
0.35%
HK$30,000 or above
0.28%
Example: Assuming that the instalment amount is HK$30,000
Repayment Period
Instalment Amount
Monthly Instalment
Monthly Handling Fee
Monthly Repayment
12 Months
HK$30,000
HK$2,500
HK$84 (0.28%)
HK$2,500+HK$84 = HK$2,584
24 Months
HK$30,000
HK$1,250
HK$84 (0.28%)
HK$1,250+HK$84 = HK$1,334
Application Hotline:8206 8303
The Annualized Percentage Rate (APR) of 12 months instalment is 7.94% for monthly handling fee of 0.35%; The APR of 24 months instalment is 8.16% for monthly handling fee of 0.35%. The APR of 12 months instalment is 6.32% for monthly handling fee of 0.28%; The APR of 24 months instalment is 6.51% for monthly handling fee of 0.28%. Monthly handling fee is included in the calculation of APR. The APR is calculated based on the requirement of the Code of Banking Practices.
