FlexiMoney Overdraft Facility

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Offers

The promotion runs until 30 Jun 2026.

Annualised Interest Rate as low as P+1%Learn More

Perpetual Cash Withdrawal Fee WaiverLearn More

First Year Annual Fee Waiver

If you are an existing VIP Banking Customer or Securities Account Holder ("Preferred Customers")

Credit Limit (HKD)	Interest Rate (p.a.)*
50,000 - 1,000,000	P+1%

If you are a normal customer or new securities account holder

Credit Limit (HKD)	Interest Rate (p.a.)*
Credit Limit (HKD)	New securities account holders	Normal customers
300,000 - 1,000,000	P+1%	P+1%
50,000 - 299,999	P+1%	P+3%
5,000 - 49,999	P+1%	P+5%

*The prime rate / "P" refers to "Dah Sing Bank HKD Prime Rate". For the latest prime rate, please click here.

Features

Credit Limit up to HKD1,000,000 or 10 Times Your Monthly Income (Whichever is Lower)

Features Details

Interest Savings

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Flexible Repayment and Withdrawal

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Personal Loan 7-day Cooling-off Period Arrangement

Features Details

The prime rate / "P" refers to "Dah Sing Bank HKD Prime Rate".

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Eligibility

You must be aged 18 or above

You must be employed in Hong Kong

You must be a Hong Kong resident

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Product Enquiry / Enquiry of Promotion

Depending on actual data transmission speeds, the whole application process may take approximately 15 minutes.

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

The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU.

For Terms and Conditions for "Personal Loan 7-day Cooling-off Period" Arrangement, please click here.
Subject to relevant terms and conditions. For details, please click here.

Offers

Features

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Eligibility

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