PROGRAM INTEREST RATE – This Program offers the following promotional Interest Rate:
Spending Type |
Total Installment Amount |
PROGRAM INTEREST RATE (percentage of the total installment loan amount) |
Annualized Percentage Rate (“APR*”) |
Repayment Period |
Monthly Interest Rate |
6 months |
12 months |
18 months |
24 months |
36 months |
48 months |
60 months |
General Spending |
HKD1,000 - HKD8,999 |
0.50% |
10.71% |
11.46% |
11.66% |
11.71% |
11.66% |
11.54% |
11.40% |
HKD9,000 - HKD29,999 |
0.42% |
8.94% |
9.57% |
9.75% |
9.81% |
9.80% |
9.72% |
9.62% |
General Spending / AIA Hong Kong Premium Payment and/or Tax Payment |
HKD30,000 – HKD99,999 |
0.25% |
5.25% |
5.63% |
5.76% |
5.81% |
5.83% |
5.82% |
5.79% |
HKD100,000 or above |
0.19% |
3.97% |
4.26% |
4.36% |
4.40% |
4.43% |
4.43% |
4.42% |
AIA Hong Kong Premium Payment and/or Tax Payment
(Applicable to Application By Phone Only^) |
HKD1,000 - HKD29,999 |
0.30% |
6.32% |
6.78% |
6.93% |
6.98% |
7.00% |
6.97% |
6.92% |
*Our Annualized Percentage Rate (“APR”) is calculated according to the standard of Hong Kong Association of Banks, and is rounded to the nearest two decimal places. An APR is a reference rate which includes the basic interest rates and other applicable fees and charges of the product expressed as an annualized rate.
^AIA Hong Kong Premium Payment and/or Tax Payment can enjoy Monthly Flat Rate at 0.30% (Applicable to Application by phone only).