Credit Mastermind Instalment Loan

Offers

The promotion runs until 31 May 2025.

Drawdown Reward – Up to HKD10,000 Cash Rebate Learn More

Drawdown Reward – Up to HKD10,000 Cash Rebate^#

Customers who fulfill all criteria as listed below are entitled to the relevant Drawdown Reward according to the amount of the loan approved:

(a) successfully drawdown the loan with loan tenor of 12 months or above on or before 30 Jun 2025;
(b) maintain or successfully open a HKD Dah Sing Current Account or Savings Account during the Promotion Period^*

Approved Loan Amount (HKD)	Drawdown Reward
30,000 - 49,999	HKD50 Cash Rebate
50,000 - 199,999	HKD100 Cash Rebate
200,000 - 499,999	HKD500 Cash Rebate
500,000 - 999,999	HKD1,000 Cash Rebate
1,000,000 or above	HKD10,000 Cash Rebate

^#To enjoy the Drawdown Reward, Eligible Customers' Loan account, its repayment accounts and relevant HKD Dah Sing Current Account or Savings Account must remain normal, valid and with good repayment records from the Loan disbursement date to the date when the Bank credits the cash rebate. For details, please refer to Clause (iv) and (v) of the relevant terms and conditions.

^*FlexiMoney Overdraft Facility accounts, joint name accounts, non-HKD accounts, Time Deposit and Margin Trading Settlement accounts are not eligible.

Features

Monthly flat rate as low as 0.11%

Features Details

Loan amount up to HKD2,000,000 or 23 times your monthly income (whichever is lower)

Features Details

Interest savings up to 86%

Learn More Features Details

Cash out up to 8 times monthly income

Learn More Features Details

Loan approval and disbursement service in as quick as 24 hours

Features Details

Applicable APR ranges from 4.83%-36%, with a repayment tenor ranging from 12 - 72 months.

For example: assume the approved loan amount is HKD1,000,000, with a 72-month tenor and 0.11% monthly flat rate, APR including the loan handling fee of 1.1% p.a is 4.83%, the total interest is HKD84,488 and your total repayment amount is HKD1,150,488.

APR is calculated according to the guidelines issued in respect of the Code of Banking Practice and is rounded to the nearest two decimal places and may vary for individual customers. Customers should refer to the loan confirmation letter for the relevant information. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate.

Save More On Your Interest Expenses

	Existing Credit Card*	Credit Mastermind Instalment Loan^
Loan Amount	HKD1,000,000
Repayment Period	302 Months	72 Months
Average Monthly Repayment Amount	HKD44,759	HKD15,979
Total Interest and Handling Fees Expenses	HKD1,049,404	HKD150,488
		Save on Interest Up to 86%

*This example is calculated based on an annual interest rate of 30% charged by general credit cards with a monthly repayment of 5% of the outstanding balance or HKD50 (whichever is higher), and a total outstanding loan of HKD1,000,000 over a 302-month repayment period. The average monthly repayment amount above is calculated based on the first 12-month repayment amount and is rounded to the nearest dollar. The APR is 34.49%. The total interest and handling fee expenses over the repayment period is rounded to the nearest dollar.

^The total interest and handling fee expenses of the Credit Mastermind Instalment Loan are calculated based on a HKD1,000,000 loan amount, 0.11% monthly flat rate, a loan handling fee of 1.1% p.a. and a 72-month loan tenor (APR is 4.83%). For the average monthly repayment amount, the total interest and handling fee expenses over the repayment period are rounded to the nearest dollar.

Tool

Eligibility

You must be aged 18 or above

You must be employed in Hong Kong

You must be a Hong Kong resident

Apply Now

Scan the QR Code below
QR Code Download Dah Sing Bank Mobile App

Product Enquiry / Enquiry of Promotion

Scan the QR Code below*
QR Code for WhatsApp us for call back

*If you do not provide the required information (including but not limited to Your Name) in the WhatsApp appointment, our bank staff cannot proceed to contact you to follow-up your enquiry and no separate notice will be issued.

Depending on actual data transmission speeds, the whole application process may take approximately 15 minutes.

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

The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU.

Subject to relevant terms and conditions. For details, please click here.

Offers

Features

Tool

Eligibility

Apply Now

Other Products and Offers