Personal Loan
Personal Loan
  • Monthly flat rate as low as 0.16%*.
  • Loan amount up to HK$800,000 and repayment tenor up to 72 months#.
  • No handling fee.

The respective monthly flat rate and Annualised Percentage Rate ("APR") for loan amount of HK$10,000 is 0.1600%/3.58% (12 months), 0.1547%/3.58% (24 months), 0.1536%/3.58% (36 months). An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualised rate.



Repayment tenor over 60 months is applicable for the loan purpose of debt consolidation.



Civil Servant and Professionals include but not limited to civil servants, doctors, nurses, dentists, pharmacists, lawyers, accountants, engineers, actuaries, teachers, social workers, professionals with professional licenses or certifications, and any staff employed by public sector and Hospital Authority. (Public Finance Limited reserves the final right of interpretation on the definition of professionals).


  The Special Personal Loan Program for Civil Servant and Professionals is subject to terms and conditions. For details of the above promotion, please contact our staff at 2848 1888.
Application Procedures

If you have steady monthly income in Hong Kong, you may apply for our Personal Loan through our Application Hotline 2848 1888, Online Application or bring along the following documentation proofs when you apply at any of our branches.


  • Hong Kong Identity Card
  • Employment / Income proof
  • Residential proof


If you cannot apply during office hours, Public Finance has extended the business hours of selected branches to 7:00 p.m. (Mon - Fri) and to 1:00 p.m. (Sat) for your convenience. For details, please visit our "Branch Network".

The above promotions are subject to the Terms and Conditions of the respective promotions. For details, please contact us at 2848 1888 from 9:00 a.m. to 6:15 p.m. (Mon - Fri) or from 9:00 a.m. to 1:00 p.m. (Sat).