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1. www.hkma.gov.hk › eng › smart-consumersHong Kong Monetary Authority - Mortgages

   www.hkma.gov.hk › eng › smart-consumers

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   2024年3月4日 · Mortgage interest rates are mostly calculated with reference to Hong Kong Interbank Offered Rate (HIBOR) or Prime rate (P), both of which are floating interest rates. HIBOR fluctuates more, and mortgage interest rate calculated with reference to HIBOR is usually subject to a cap.

   • Personal Credit

     Before applying for a personal loan, you should ...

2. www.hangseng.com › en-hk › personalAffordable Loan Amount Calculator - Hang Seng Bank

   www.hangseng.com › en-hk › personal

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   Calculate the maximum affordable monthly mortgage repayment amount, maximum affordable mortgage loan amount and maximum property price.

3. 其他人也問了

   What is the interest rate on a tenor loan HK$12,000?

   • Assuming a customer who borrows HK$12,000 with a tenor of 12 months, monthly flat rate of 0.296% and handling fee of 1% p.a.. Each instalment amount will be HK$1,035.52. The calculation of interest is as follow:

   Explanation and Example of APR, “Rule of 78 and Repayment for Instal…

   www.ncb.com.hk/nanyang_bank/resource/apr78_Instalment_loan_eng.pdf

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   How much is a 12 month tenor loan in HK?

   • Each instalment amount will be HK$1,035.52. The calculation of interest is as follow: According to “Rule of 78”, the denominator of the loan with a 12-month tenor is the sum of the numbers 1 to 12, which is 78 (12 + 11 + 10 + ...+ 1 = 78). Hence, 12/78 of the total interest is allocated as the portion to be paid in the 1st instalment.

   Explanation and Example of APR, “Rule of 78 and Repayment for Instal…

   www.ncb.com.hk/nanyang_bank/resource/apr78_Instalment_loan_eng.pdf

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   What happens if a loan tenor has more interest?

   • Even though each instalment amount is the same throughout the loan tenor, more interest will, in general, be included in earlier repayments, and less on principal. In other words, where a borrower has been making repayments as scheduled for some time, the amount of outstanding interest is likely to be small.

   Explanation and Example of APR, “Rule of 78 and Repayment for Instal…

   www.ncb.com.hk/nanyang_bank/resource/apr78_Instalment_loan_eng.pdf

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   How is interest apportioned throughout a loan tenor?

   • The following example illustrates how the interest is apportioned in each monthly repayment throughout the loan tenor according to the Rule of 78: The above example shows that nearly 30% of the interest for the full term is repaid in the first two monthly payments.

   Hong Kong Monetary Authority - Personal Credit

   www.hkma.gov.hk/eng/smart-consumers/personal-credit/

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4. www.sc.com › hk › loansPersonal Instalment Loan Calculator – Standard Chartered HK

   www.sc.com › hk › loans

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   Standard Chartered Personal Loan Calculator calculates the monthly repayment based on the loan amount, tenor and annualised percentage rate.

5. www.hsbc.com.hk › loans › productsPersonal Instalment Loan | Borrowing in Hong Kong - HSBC HK

   www.hsbc.com.hk › loans › products

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   The APR is calculated using method specified in relevant guidelines issued by The Hong Kong Association of Banks, and is rounded up or down to the nearest two decimal places. An APR is a reference rate, which includes all applicable interest rates, fees and .

6. www.publicfinance.com.hk › en › products_detailInterest-free Personal Loan Promotion | Public Finance

   www.publicfinance.com.hk › en › products_detail

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   Interest-free Personal Loan Promotion. No interest will be charged during the repayment tenor of the loan. Annual administrative charge is HK$500*. For every loan amount of HK$10,000 and repayment tenor of 12 months, the monthly repayment amount will be HK$834.

7. www.ncb.com.hk › nanyang_bank › resourceExplanation and Example of APR, “Rule of 78 and ...

   www.ncb.com.hk › nanyang_bank › resource

   Assuming a customer who borrows HK$12,000 with a tenor of 12 months, monthly flat rate of 0.296% and handling fee of 1% p.a.. Each instalment amount will be HK$1,035.52.