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Debt Consolidation

Beat Credit Card Debt

It has never been easier to pay off all your outstanding debts in one simple loan

Successfully applying for $mart Plus Personal Installment Loan allows you enjoy the following offers:

Up to HK$16,800 Cash Rebate ¹
Extra HK$500 Harbour City Gift Card ¹

Product Features

Flexible repayment tenor of 12 to 72 months
Save interest expenses with personalized interest rate
Loan amount as high as HK$2,000,000 or 21 times of your monthly salary(whichever is lower)

Why Choose This Loan

Easily manage different loans and rebuild your credit history
Our Debt Consolidation Specialist analyzes your financial situation and tailor-made with a flexible loan transfer plan to you
Save significantly on unnecessary interest costs and improve your cash flow

Interest Saving Example

Please call 2280 1833 for assistance

Remarks:

Customers who successfully apply for and draw down $mart Plus Personal Installment Loan including Personal Instalment Loan, Debt Consolidation and Top Up Loan (“Loans”) with loan amount of HK$100,000 or above and repayment period of 12 months or above during the period from 1 April 2025 to 30 June 2025 (both dates inclusive) ("Promotion Period") shall be entitled to the corresponding Cash Rebate. Customers enjoy Cash Rebate of up to HK$8,400 upon the successful drawdown of Personal Installment Loan, Eligible Customers enjoy a doubled Cash Rebate of up to HK$16,800 upon the successful drawdown of Debt Consolidation or Top-up Loan. Customers who successfully apply for and draw down Loans through inMotion Mobile App during the Promotion Period shall be entitled to extra HK$500 Harbour City Gift Card. For details, please refer to Promotional Terms and Conditions for up to HK$16,800 Cash Rebate Offer and HK$500 Gift Card.
The Bank reserves the right to determine the final approved amount, loan tenor and applicable interest rate in accordance with individual customer’s record.
This example is calculated based on loan amount of HK$200,000, an annual interest rate of 30% (Annualized Percentage Rate (“APR”) 34.49%) charged by general credit card and a monthly repayment of all fees and charges billed to the credit card followed by 1% of the credit card outstanding balance or HK$250 (whichever is higher). The total repayment tenor is 385 months. The total loan expenses includes the full interest payments and is rounded to the nearest dollar.
This example is calculated based on loan amount of HK$200,000, monthly flat rate 0.20% and loan tenor of 72 months, including a handling fee of 1% per annum (APR 6.90%). The total loan expenses includes the full interest payments and handling fee, and is rounded to the nearest dollar. The examples are for reference only. The APR will be determined based on the customer's credit rating and other relevant loan approval factors, and the bank reserves the final discretion to approve the loan application and to determine the applicable interest rate and handling fee.
The APR is calculated in accordance with the practices and methods set out in the relevant guidelines issued by the Hong Kong Association of Banks. An APR is a reference rate which includes the basic interest rate and other applicable fees and charges expressed as an annualized rate.
The Bank reserves the right of final decision in respect of all applications and approvals of Debt Consolidation and is under no obligation to provide reason.