Revolving Credit Facility - e-Loan Calculator

Please provide the following information to calculate the interest amount:

Withdrawal Amount (HKD):
Enter an amount between HKD5,000 to HKD2,000,000, both amount inclusive

Annual Interest Rate –
First 3 months²:

Annual Interest Rate –
4th to 12th onwards²:

No. of days used:
Enter a number of days between and 365, both days inclusive

Handling Fee (p.a):

Result (For Reference Only):

Total Interest (HKD):

Daily Interest (HKD):

Annualized Percentage Rate("APR")³:

Handling Fee (HKD):

Remarks:

The above example is for reference only and rounded to two decimal places. The actual repayment liability depends on the actual terms of each borrowing arrangement.
If the Annual Interest Rate of first 3 months(i.e. first 90 days) and 4th month(i.e. from 91st day) to 12th month are the same, please enter the same Annual Interest Rate for calculation; if the Annual Interest Rate of first 3 months and from 4th to 12th month are vary, please enter the applicable Annual Interest Rate for calculation.
The APR is calculated according to the standard of Hong Kong Association of Banks and rounded to the 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.

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