Express Money

Offers

The promotion period runs until 31 May 2025.

Up to HKD11,800 Cash RebateLearn More

Up to HKD11,800 Cash Rebate^#

Customers who fulfill all criteria as listed below are entitled to the relevant Cash Rebate 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; and
(b) maintain or successfully apply for Dah Sing ONE+ Credit Card during the Promotion Period. For more details on the Dah Sing ONE+ Credit Card, please click here; and
(c) maintain or successfully open a HKD Dah Sing Current Account or Savings Account during the Promotion Period^*

Approved Loan Amount (HKD)	Cash Rebate Reward
5,000 - 49,999	HKD50
50,000 - 199,999	HKD100
200,000 - 499,999	HKD500
500,000 - 999,999	HKD1,000
1,000,000 – 1,989,999	HKD5,000
1,990,000 or above	HKD11,800

^#To enjoy the Cash Rebate Reward, the Eligible Customers' loan account, its repayment account, Dah Sing ONE+ Credit Card account 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

APR as low as 1.88%

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Loan amount up to HKD2,000,000 or 14 times your monthly income (whichever is lower)

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Repayment tenor up to 60 months

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Only HKID Card is required, no need submit address & income proof for instant approval and loan disbursement

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Re-borrow anytime

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Welcome New Job Starters

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Flexible Financial Solutions

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Applicable APR ranges from 1.88%-36%, with a repayment tenor ranging from 6-60 months.

For example: Assume the approved loan amount is HKD1,990,000, with a 12-month loan tenor and 0.1338% monthly flat rate, APR including HKD11,800 cash rebate is 1.88%, the total interest is HKD31,952, and your total repayment amount is HKD2,021,952.

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.

Interest Rates Table

Loan Amount (HKD)	Selected Customers
	12 months loan tenor				24 months loan tenor
	Monthly Flat Rate	APR (Calculated based on designated loan amount)		Monthly Repayment Amount (HKD) (Calculated based on a HKD10,000 loan amount)	Monthly Flat Rate	APR (Calculated based on designated loan amount)		Monthly Repayment Amount (HKD) (Calculated based on a HKD10,000 loan amount)
	Monthly Flat Rate	Including Cash Rebate	Excluding Cash Rebate		Monthly Flat Rate	Including Cash Rebate	Excluding Cash Rebate
1,990,000 or above	0.1338%	1.88%	2.99%	846	0.1638%	3.21%	3.79%	433
1,000,000 - 1,989,999	0.2000%	3.85%	4.49%	853	0.2300%	5.00%	5.34%	440
800,000 - 999,999	0.2500%	5.42%	5.63%	858	0.2800%	6.40%	6.51%	445
500,000 - 799,999	0.3000%	6.48%	6.78%	863	0.3300%	7.53%	7.68%	450
200,000 - 499,999	0.3500%	7.66%	7.94%	868	0.3800%	8.71%	8.86%	455
50,000 - 199,999	0.4000%	8.95%	9.11%	873	0.4300%	9.97%	10.05%	460
5,000 - 49,999	0.4500%	9.88%	10.24%	878	0.4800%	11.06%	11.25%	465

Loan Amount (HKD)	Normal Customers
	12 months loan tenor				24 months loan tenor
	Monthly Flat Rate	APR (Calculated based on designated loan amount)		Monthly Repayment Amount (HKD) (Calculated based on a HKD10,000 loan amount)	Monthly Flat Rate	APR (Calculated based on designated loan amount)		Monthly Repayment Amount (HKD) (Calculated based on a HKD10,000 loan amount)
	Monthly Flat Rate	Including Cash Rebate	Excluding Cash Rebate		Monthly Flat Rate	Including Cash Rebate	Excluding Cash Rebate
1,990,000 or above	0.2400%	4.27%	5.40%	857	0.2700%	5.67%	6.28%	444
1,000,000 - 1,989,999	0.2400%	4.76%	5.40%	857	0.2700%	5.94%	6.28%	444
800,000 - 999,999	0.2800%	6.11%	6.32%	861	0.3100%	7.10%	7.22%	448
500,000 - 799,999	0.3300%	7.18%	7.48%	866	0.3600%	8.23%	8.39%	453
200,000 - 499,999	0.3900%	8.59%	8.87%	872	0.4200%	9.66%	9.81%	459
50,000 - 199,999	0.4300%	9.64%	9.80%	876	0.4600%	10.67%	10.75%	463
5,000 - 49,999	0.4800%	10.65%	11.01%	881	0.5100%	11.75%	11.94%	468

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Eligibility

You must be aged 18 or above

You must be employed in Hong Kong

You must be a Hong Kong resident

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Apply via "e-Express Loan Application" for instantly approved loan amount and loan disbursement

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

Apply via "e-Express Loan Application" for instantly approved loan amount and loan disbursement

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

Product Enquiry / Enquiry of Promotion

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*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 (including approval) 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 the relevant terms and conditions. For details, please click here.

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