Remarks:

* Subject to the Promotional Terms and Conditions for PAYROLLplus Account

^{^} The Bank reserves the right to request customers to provide supporting document for approval purpose depending on the situation.

^# The Annualized Percentage Rate (“APR”) is calculated in accordance with the practices and methods set out in the relevant guidelines issued by the Hong Kong Association of Banks. The APR is a reference rate which includes the basic interest rate and other applicable fees and charges expressed as an annualized rate. The APR 1.65% is calculated based on loan amount HK$2,000,000, loan tenor of 12 months and monthly flat rate of 0.032%, including a Handling Fee of 0.5% per annum. 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.

^& Customers apply for and successfully draw down $mart Plus Personal Installment Loan including Personal Instalment Loan, Debt consolidation and Top Up Loan ("the Loan") from China CITIC Bank International Limited (the "Bank") through eChannels (including inMotion Mobile App, Corporate Website, iBanking or specified link on promotional page) during the designated promotional period and satisfy the specified repayment tenor and loan amount shall be entitled to the following offers:

1. Up to HK$16,800 Cash Rebate:
   From now until December 31, 2024, customers who apply for and successfully draw down a loan amount of HK$50,000 or above with a repayment period of 24 months or above shall be entitled to the following Cash Rebate:

   Loan Amount (HK$) +	Cash Rebate (HK$)
   	Repayment tenor of  24 – 48 months	Repayment tenor of 60 – 72 months
   $50,000 - $199,999	$300	$800
   $200,000 - $499,999	$500	$1,500
   $500,000 - $999,999	$800	$2,000
   $1,000,000 - $1,499,999	$2,000	$5,000
   $1,500,000 or above	$4,000	$16,800

   Remarks: + If customers apply for top-up loan, the loan amount will be calculated by the actual cash out approved top up loan amount.
2. Early Bird Offers:
   From now until November 30, 2024, customers who apply for and successfully draw down a loan amount of HK$50,000 or above with a specified repayment tenor shall be entitled to select ONE of the following Early Bird Offers. An Early Bird Offer cannot be exchangeable once it is selected.
   1. Repayment Holiday for the first 3 installments (Not applicable to Debt Consolidation):
      Customers who successfully draw down the Loan with repayment tenor of 36 months or above shall enjoy to repayment holiday for the first 3 instalments ;or
   2. Cash Rebate of extra up to HK$2,000:
      Customers who successfully draw down the Loan with a repayment tenor of 24 months or above enjoy the follow Cash Rebate.

      Loan Amount (HK$) +	Extra Cash Rebate (HK$)
      	Repayment tenor of  24 – 48 months
      $50,000 - $199,999	$300
      $200,000 - $999,999	$500
      $1,000,000 or above	$2,000

      Remarks: + If customers apply for top-up loan, the loan amount will be calculated by the actual cash out approved top up loan amount.
      For details, please refer to “$mart Plus Personal Installment Loan (Tax Season Offer) - Promotional Terms and Conditions for up to HK$16,800 Cash Rebate and Early Bird Offer”.
      Please Click HERE to apply now.

Terms and Conditions apply. For details, please click here.

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