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Balance Transfer

Balance Transfer helps you in easily managing your loan and card outstandings. Extreme low interest rate and cash withdraw can solve your loans easily.

Interest Rate Offer

  • Monthly flat rate as low as 0.205%1&2,annualized percentage rate as low as 4.60%1&2

Product Features

  • Loan amount up to HK$2,000,000 or 21 times of monthly salary (whichever is lower)
  • Flexible loan tenor up to 60 months
  • Handling fee waiver for entire repayment period

Monthly Repayment Schedule

Loan Tenor 12 Month 24 Month 36 Month 48 Month 60 Month
Monthly flat rate 0.205%
Annualized percetage rate 4.60% 4.75% 4.78% 4.78% 4.76%
Monthly Repayment Amount(HK$)3 833.33 437.16 298.28 228.83 187.16

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1.Only applicable to the customer of Industrial and Commercial Bank of China (Asia) Limited (“the Bank”) who successfully apply for and drawdown the Balance Transfer Plan (“Loan”). Annualised percentage rate (APR) 4.60% is calculated based on monthly flat rate 0.205% and 12-month repayment tenor, the above example is for reference only.

2.The APR of the loan is calculated based on the guidelines as set out in the Code of Banking Practice. The Bank shall have the right at its discretion to apportion any payment between interest and principal in such manner as it shall desire. The annualised percentage rate is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualised rate. The interest rate is applicable on a case-by-case basis and the finally approved interest rate is subject to the loan amount and credit assessment result.

3.The above example is for reference only. The monthly repayment amount of the example is calculated based on loan amount HK$10,000 and 12,24,36,48 and 60 month repayment tenor. 

4.The Bank reserves the right to vary or terminate the offer at any time. The Bank reserves the right for final decision in case of any disputes. 

5. In case of any discrepancy between the English and Chinese versions, the English version shall prevail.

Key Facts Statement (KFS) for Instalment Loan – Balance Transfer
Explanation of “Rule of 78” for Balance Transfer
Important Notes for Early Repayment of Balance Transfer
Terms and Conditions
Privacy Statement Disclaimer
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