Balance Transfer Personal Loan

One Step To Consolidate The Debts

Supporting Your Life Goal

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Balance Transfer Personal Loan

Relieve credit card pressure and consolidate repayment! Balance Transfer Instalment Loan can let you consolidate your debts into one loan, reduce unnecessary interest payment and clear your credit card debts in one lump sum! Our dedicated relationship officers will follow-up your loan application.


● Smart Tip - Key Facts Statement, Terms and ConditionsReminders about Responsible Borrowing , “Up to HKD6,000 Cash Rebate promotion” Terms and conditions , “Apple Store Gift Card Offer” Terms and conditions


Loan Feature

New Customer who successfully applied and drawdown the loan via Online to enjoy up to HK$6,500 rewards



APR as low as 3.3%


  Loan Feature

Maximum loan amount can be as high as HK$2,000,000 or 20 times of monthly salary (whichever is lower)


Loan Feature

Long repayment tenor as long as 60 months


Required Documents for Loan Application

  • Personal Identification Document: HKID card or passport
  • Income Proof: Recent pay slip, your bank statement or bank book (with your name and account number) showing your recent income, your recent income tax bill, proof of your last MPF contribution, employment letter or contract, etc.
  • Address Proof: Recent bank statement, credit card statement, water bill, telephone bill etc. If your address is shown on your income proof, you will be exempted from submitting the address proof.
  • Other documents (if necessary)
  • For more details, please click here


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Hong Kong

Central: (+852) 2201 7800

North Point: (+852) 2201 7822

Wanchai: (+852) 2201 7799



Tsim Sha Tsui: (+852) 2201 7900

Kwun Tong: (+852) 2201 7878 

Prince Edward: (+852) 2201 7866


New Territories

Tsuen Wan: (+852) 2201 7988

Kwai Fong: (+852) 2201 7933

Notes regarding the Balance Transfer Personal Loan:

1. Annualized percentage rate("APR") is a reference rate which includes the basic interest rates and other fees and charges of a product expressed as an annualized rate. The APR ranged from 3.30% to 36% generally and the minimum repayment period and maximum repayment period is of 6 months to 60 months. APR is calculated according to the method set out in the relevant guidelines under the Code of Banking Practice issued by the Hong Kong Association of Banks as the basis. The APR has been corrected to 2 decimal places. If the loan amount is $1,500,000, the monthly flat rate for 12 months is 0.063%, if the loan is approved finally by the bank, the APR for 12 months is 3.30%, with a handling fee of 1% per annum included, the total loan repayment amount is HK$1,500,000. The loan handling fee is to be paid in full upon loan drawdown. The interest rate is calculated based on 365 days per year. Example is for reference only. The APR may differ with different loan amounts and tenors. For details, please contact our staff.


2. The promotion period of the "Up to HKD6,000 Cash Rebate promotion" and “Apple Store Gift Card Offer” (“Promotion”) is from 1 April 2024 to 30 June 2024, both dates inclusive (“Promotion Period”).


3. It comprises the total sum of up to HK$6,000 Cash Rebate and $500 Apple Store Gift Card under the Promotion.


The above loan product and offer are bound by the applicable terms and conditions.  Please contact the staff of the bank for details.


Customer can submit application through the loan centres and branches of OCBC Bank (Hong Kong) Limited (“the Bank”). To enquire the relevant terms and conditions, please contact the staff of the Bank.


Before you make request for early repayment for Instalment loan, please refer to "FAQ" of this website.


For details or enquiries about the related terms and conditions, please contact us.


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

3 ways to apply

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Download on Google Play

Visit our Loan Centre with your supporting documents