Personal Instalment Loan
Personal Instalment Loan DBS Omni Smart Loan
Enjoy Instant Disbursement
For Key Facts Statement for Personal Instalment Loan, please click here
Existing DBS Credit Card or Personal Loan customers can enjoy extra HK$300 “InstaRedeem” Amount if apply via DBS Omni (up to HK$2,500 in total*). Experience real instant cash now^
*Terms and conditions apply. For details, please click here.
^Only applicable to applicant who applies through DBS Omni and chooses to receive the loan amount through Faster Payment System (“FPS”).  The loan amount can be instantly transferred to the recipient bank. The actual time of crediting the fund to applicant’s bank account depends on the recipient bank’s arrangement. Approval of application or not depends on the applicant's financial condition and is solely determined by us.

Act Now!

CallUs Call us
Call Personal Loans Hotline at (852) 2290 8118
Whatsapp WhatsApp us
WhatsApp at (852) 6603 0001 Provide your surname, our staff will contact you to follow up your enquiry
The online application will not be processed in real time and is not for urgent submission of information. Should you have any enquiry, please contact our 24-hour hotline at (852) 2290 8888. #Only applicable to customers who apply for loan amounted to HK$30,000 or above


20x Loan amount up to HK$2,000,000 or 20x your monthly salary (whichever is lower)
20x Enjoy up to 60 months flexible repayment period
20x Low interest rate Annualised Percentage Rate as low as 2.20%7
20x Redraw your repaid principal3 as many times as you like

Monthly Repayment Table

Loan amount (HK$) 200,000 - 399,999 400,000 - 699,999 700,000 - 999,999 1,000,000 - 1,499,999 1,500,000 or above
Flat rate per month (Annualised Percentage Rate2,4,5) 12 months 0.05% (4.97%) 0.01% (4.04%) 0.01% (4.04%) 0.01% (4.04%)
24 months 0.12% (4.81%) 0.11% (4.57%) 0.07% (3.62%) 0.01% (2.20%)
36 months 0.15% (4.89%) 0.14% (4.66%) 0.11% (3.94%) 0.11% (3.94%)
48 months 0.17% (5.03%) 0.16% (4.80%) 0.13% (4.09%) 0.13% (4.09%)
60 months 0.18% (5.05%) 0.17% (4.82%) 0.14% (4.12%) 0.14% (4.12%)
Monthly repayment amount (HK$) - For every HK$10,000 loan amount 12 months 838 834 834 834
24 months 429 428 424 418
36 months 293 292 289 289
48 months 225 224 221 221
60 months 185 184 181 181

Repayment Schedule Calculator

Use the Repayment Schedule Calculator to calculate your repayment amount.
  1. We reserve the right to request additional documents for application approval.
  2. An annualised percentage Rate (“APR”) is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualized rate. The APR in the above table has included Loan Set Up Fee of 2% in the calculation. Loan Set Up Fee shall be deducted from the loan principal amount upon draw down of the loan and is non-refundable.
  3. You are eligible to apply for redrawing the repaid principal if a minimum of one instalment has been repaid and the repaid principal is over HK$5,000, with a punctual repayment record maintained. For application or enquiry about the details of redrawing the repaid principal and the terms and conditions, please call 2290 8118. We reserve the right for final approval based on the account condition.
  4. The monthly flat rate quoted in the above table is for reference only. The interest rate applicable to a customer is subject to his/her financial condition and is solely determined by us.
  5. The APR ranges from 2.20% to 6.14%. The minimum and maximum repayment period is 12 months and 60 months, respectively. The final interest rate and repayment period applicable to a customer is subject to his/her financial condition and is solely determined by us. To facilitate customer to repay, the monthly repayment amount is rounded to an integral, so the final APR may be slightly different from that quoted in the above table.
  6. Our staff would not obtain your personal information via WhatsApp channel, this channel is dedicated for enquiries on loan products only.
  7. The APR of 2.20% is calculated based on the loan amount of HK$1,500,000, monthly flat rate of 0.01% and instalment period of 24 months, including a Loan Set Up Fee of 2%.
If a customer decides to early pay off the loan, customer should assess whether the Early Settlement Administrative Fee outweighs the interest saved. To facilitate the assessment, customer can refer to “Personal Loans FAQ” on the Bank’s website for illustration. For details of such administrative fee, please refer to the Personal Instalment Loan Terms and Conditions.

Reminders about Responsible Borrowing
  • You should have a clear understanding of your financial condition, daily expenses, and actual borrowing needs.
  • You should assess your repayment ability and avoid over-borrowing.
  • You should repay any outstanding balance on time to avoid late payment charges and additional overdue interest.
  • To borrow or not to borrow? Borrow only if you can repay!
Personal Information Collection (PIC)
DBS Bank (Hong Kong) Limited safeguards your data in accordance with applicable Hong Kong laws. We only use the data we collect in accordance with our Data Policy which explains the data collection purposes, the persons to whom we may transfer data, your data access and correction rights and how you may contact our Data Protection Officer.