International Baccalaureate Diploma Programme (IBDP) and Hong Kong Diploma of Secondary Education Examination (HKDSE) results are released every July. Many parents hope to send their children overseas for higher education, giving them the opportunity to broaden their horizons and access quality learning experiences. However, the high cost of studying abroad—from tuition fees to living expenses—can be daunting. Annual expenses may fluctuate due to exchange rate changes or unexpected events, often leading to budget overruns. When the need for funds arises, what flexible solutions are available to help make your child's education dream a reality?
Tuition Fee Reference in Popular Study Destinations
Here is a comparison of annual university tuition fees in five popular countries:
| Country | Annual Tuition Range |
|---|---|
| UK | Approximately GBP15,000 - GBP25,000 |
| USA | Approximately USD20,000 - USD60,000 |
| Canada | Approximately CAD15,000 - CAD35,000 |
| Australia | Approximately AUD20,000 - AUD45,000 |
| New Zealand | Approximately NZD20,000 - NZD40,000 |
Figures are for reference only. Actual costs may vary depending on the program, location, accommodation, transportation, and lifestyle.
Budget Overrun? Personal Loans Offer Flexible Solutions
Education plans often exceed initial budgets due to unforeseen circumstances or currency fluctuations. In such cases, personal loans can provide fast and adaptable financial support.
Why Choose a Personal Loan?
Flexible Fund Allocation
Once approved, funds are quickly disbursed and can be used for tuition, accommodation, insurance, visa fees or unexpected medical expenses.
Range of Repayment Tenor
Repayment periods typically range from 6 to 60 months. Families can select a plan that suits their financial situation and helps ease monthly pressure.
Quick Response to Emergencies
Whether facing a sudden spike in exchange rates, tuition adjustments, or rising airfare costs, personal loans offer timely financial support. With simple documentation, approval can be in as fast as 24 hours. This ensures your child's education journey continues without disruption.
Sending your child abroad is a major financial commitment. Dah Sing Bank provides thoughtful education funding solutions to support your goals. With "Express Money", enjoy APR as low as 1.68%^ and receive up to HKD13,888 in cash rebate*. New-to-bank customers who successfully apply for a loan and submit the required documents between now and 31 Dec 2025 can receive an extra reward of HKD200 supermarket cash coupons*.
^An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate.
*The above service(s) / product(s) are subject to relevant terms and conditions.
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