Balance Transfer Program

Consolidate credit card debts and loans

Consolidate credit card debts and loans to save on considerable interest expense and lower your total repayment amount, as well as obtaining extra cash to regain financial freedom.

APPLY NOW

Key Facts Statement (KFS) for Instalment Loan

Personal Loan Calculator and Repayment Schedule
最新推廣圖案

"Low Interest" Balance Transfer Program Promotion

Apply "Low Interest" Balance Transfer Program successfully to enjoy handling fee waiver and following privileges:

  1. ✓ Up to HK$14,500 cash rebate for drawdown
  2. ✓ Additional HK$500 cash rebate for apply online
最新推廣
Details 箭號

Terms & conditions apply.

Apply Online Dial +852 3179 5501

Loan Features

  • Loan amount up to HK$2 million or 21 times your monthly salary (whichever is lower)

  • Handling fee waiver

  • Repayment tenor up to 84 months

Blank - No value Current Credit Card Outstanding * CCB (Asia) Balance Transfer Program ^ Blank - No value
Loan amount HK$500,000 HK$500,000
Monthly repayment amount HK$24,076 HK$22,084 Monthly repayment amount reduced by 8%
Repayment period 275 months 24 months Repayment period shorten to 251 months
Total interest expense HK$524,404 HK$30,016 Savings of interest expense by 94%

Notes: The above example is for reference only


* Assuming the total outstanding loan amount is HK$500,000 and interest rate is 30% per annum (Annualized Percentage Rate ("APR") is 34.49%. The repayment period and total interest expense are calculated based on the minimum payment of 5% of the monthly outstanding amount. The monthly repayment amount is the average of the first 6 months repayment.

^ Assuming the loan amount is HK$500,000, repayment period is 24 months, no handling fee and at an interest rate of 0.25% per month (APR is 5.81%). The above interest rate, monthly repayment amounts, loan tenor and interest savings may vary for individual customer and is subject to customer's loan status and final approval of the Bank.

The APR is calculated according to the standard of Hong Kong Association of Banks and is rounded up/down 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. Interest is charged daily and calculated on the basis of 365 days per year.

For more tips and information, you may refer to our Key Facts Statement (KFS) for Installment Loan or Financial Tips of this website.

Apply Online Dial +852 2779 5533

Application Requirements

  • A Hong Kong permanent resident aged 20 or above

  • Minimum annual income of HK$ 64,000

  • Be employed for at least 6 months at the current job


Document Requirement

  • To apply for our Balance Transfer Program, please submit the following documents:

  • Copy of Hong Kong Permanent Identity Card

  • Proof of income

    • The latest month's salary slip

    • The latest 3 months' payroll account bank statement / account passbook (with the first page showing your name and account number)

    • The latest Salary Tax / Profit Tax Demand Note

    • The latest 1 month's Mandatory Provident Fund statement

  • Proof of residential address dated within the last 3 months

  • Any other document (upon request)


For more tips and information, you may refer to our Key Facts Statement (KFS) for Installment Loan or Financial Tips of this website.

Apply Online Dial +852 2779 5533

7-day Cooling-off Period

  • Borrower who successfully apply and drawdown the loan may apply early repay the loan in full within 7 calendar days of the drawdown date ("7-day Cooling-off Period").

  • Any application for early repayment of the loan within the 7-day Cooling-off Period must be made by Borrower within 7 calendar days of the drawdown date, contact the Bank's hotline 3179 5501 to request early repayment of the loan and visit the Bank's branches in person to settle the Principal Loan amount in full.

  • If the Borrower repay the loan in full within 7-day Cooling-off period, the Bank may waive the handling fee, interest and Prepayment / Early Settlement Fee/ Redemption Fee under the relevant loan.


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