Express Money - Electric Vehicle Loan - Personal Loan - Dah Sing Bank

ⓘ View the relevant Key Facts Statement

Offers

The promotion period runs until 31 May 2025.

Enjoy a 2-Month Payment HolidayLearn More

Up to HKD11,800 Cash RebateLearn More

Dah Sing MyAuto Credit Card Extra OfferLearn More

Extra benefits with Dah Sing Private Motor Car Insurance for Electric VehiclesLearn More

Up to HKD11,800 Cash Rebate^#

Customers who fulfill all criteria as listed below are entitled to the relevant Cash Rebate Reward according to the amount of the loan approved:

(a) Successfully draw down the loan with loan tenor of 12 months or above on or before 30 Jun 2025; and

(b) Maintain or successfully apply for Dah Sing MyAuto Credit Card during the Promotion Period. For more details on the Dah Sing MyAuto Credit Card, please click here ; and

Approved Loan Amount (HKD)	Cash Rebate Reward
5,000 - 49,999	HKD50
50,000 - 199,999	HKD100
200,000 - 499,999	HKD500
500,000 - 999,999	HKD1,000
1,000,000 - 1,989,999	HKD5,000
1,990,000 or above	HKD11,800

^#To enjoy the Cash Rebate Reward, the customers' loan account, its repayment account, Eligible Card account and relevant Dah Sing HKD Current Account or Savings Account must remain normal, valid and with good repayment records from the loan disbursement date to the date when the Bank credits the cash rebate. For details, please refer to Clause (iv) and (v) of the relevant terms and conditions.

^*FlexiMoney Overdraft Facility accounts, joint name accounts, non-HKD accounts, Time Deposit and Margin Trading Settlement accounts are not eligible.

Dah Sing MyAuto Credit Card Extra Offer

Eligible Customers who successfully apply for a Dah Sing MyAuto Credit Card during the Promotion Period and activate the new card on or before 31 Jul 2025, can enjoy the welcome offer of Dah Sing MyAuto Credit Card¹ as well as a free BLACK & DECKER Portable Air Compressor (Suggested Retail Price: HKD698)².

Never worry about a flat tire again. The BLACK & DECKER Portable Air Compressor's high-volume output allows for swift inflation of your Electric Vehicle's tire. Along with the included adapters, it can also quickly fill large inflatables like air mattresses and rafts. Perfect when preparing for a trip to the outdoors!

Welcome Offer	Offer Detail	Requirements
1	Autobot Vmini MAX2 Wireless Vacuum Cleaner¹(Suggested Retail Price：HKD588)	Accumulating eligible spending of HKD10,000 or above within the first 2 months from the date of card issuance
OR
2	HKD400 Cash Rebate¹	Accumulating eligible spending of HKD6,000 or above within the first 2 months from the date of card issuance.
3 (Extra Offer)	Black & Decker Portable Air Compressor ²(Suggested Retail Price: HKD698)	New Pricinipal Card applicants who successfully applies for Express Money - Electric Vehicle Loan with loan drawdown on or before 30 Jun 2025, with a loan drawdown amount of HKD200,000 or above and loan tenor of 12 months or above.

For the welcome offer, details and relevant terms and conditions of Dah Sing MyAuto Credit Card, please click here.
Only applicable for new Principal Card applicants who successfully applies for a Dah Sing MyAuto Credit Card within the Promotion Period with loan drawdown on or before 30 Jun 2025, with a Loan drawdown amount of HKD200,000 or above and Loan tenor of 12 months or above. For details, please refer to Clause (vii) of the relevant terms and conditions.

Extra benefits with Dah Sing Private Motor Car Insurance for Electric Vehicles

From now until 31 May 2025, electric vehicle owners who successfully apply for an Express Money – Electric Vehicle Loan can enjoy additional coverage for electric vehicles when applying for a Dah Sing Private Motor Car Insurance Plan. Enjoy greater peace of mind on the road!

Category of Insurance Plan	Extra Benefit Details
Comprehensive Plan for Electric Vehicles	No depreciation for the tire when covering the expenses of replacing a new tire due to car and tire damage caused by car accident
	Extended free towing service covers battery depletion when on the road
	Extra coverage against accidental damage to the charger (up to HKD3,000)
	Extra coverage for outstanding loan due to accidental death (up to HKD300,000)

The Insurance Plans mentioned above is a general insurance product which is underwritten by Dah Sing Insurance Company Limited ("Dah Sing Insurance"). Dah Sing Insurance is a member of Dah Sing Financial Group and is authorised and regulated by the Insurance Authority. Dah Sing Bank, Limited ("Dah Sing Bank"), registered as a licensed insurance agency (Insurance Intermediary License No: FA3022), is the authorized licensed insurance agency of Dah Sing Insurance and distributes the insurance products for Dah Sing Insurance. The relevant general insurance product is a product of Dah Sing Insurance but not Dah Sing Bank.

Information on this website is for reference only and is intended to be published in Hong Kong only. It shall not be construed as an offer, solicitation or recommendation to provide or sell or a solicitation to purchase any general insurance products of Dah Sing Insurance outside Hong Kong. Information on this website is intended as a general summary only but does not contain the full terms of the relevant products.

For the coverage and content, detailed terms and conditions and exclusions, etc. of the Insurance Plans, please refer to the policy provision and the information stated in the relevant policy provision shall prevail. Customers should read, fully understand and accept the terms and conditions, coverage, exclusions and premium stated in the product brochure and policy provision before applying for the Insurance Plans. Dah Sing Insurance is solely responsible for all coverage and compensation, and reserves the right of final approval of the enrollment of the relevant insurance plan. Policyholders are subject to the credit risk of relevant insurance company.

In respect of an eligible dispute (as defined in the Terms of Reference for Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Dah Sing Bank and the customer out of the selling process or processing of the related transaction, Dah Sing Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer;

This service / product is not targeted at customers in the European Union.

For details and Terms and Conditions, please contact Dah Sing Insurance Customer Service Hotline at 2808 5000.

Features

APR as low as 1.43%

Learn More Features Details

Loan amount up to HKD2,000,000 or 14 times your monthly income (whichever is lower)

Features Details

Repayment tenor up to 60 months

Features Details

Applicable APR ranges from 1.43%-36%, with a repayment tenor ranging from 6-60 months.

Example of Express Money – Electric Vehicle Loan: Assuming that the approved loan amount is HKD1,990,000, with a 12-month loan tenor and 0.1338% monthly flat rate, APR including HKD11,800 cash rebate and 2-Month Payment Holiday is 1.43%, the total interest is HKD31,952, and your total repayment amount is HKD2,021,952.

APR is calculated according to the guidelines issued in respect of the Code of Banking Practice and is rounded to the nearest two decimal places and may vary for individual customers. Customers should refer to the loan confirmation letter for the relevant information. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate.

Interest Rate Table

Loan Amount (HKD)	Selected Customers
	12 months loan tenor				24 months loan tenor
	Monthly Flat Rate	APR (Calculated based on designated loan amount, including 2-Month Payment Holiday)		Monthly Repayment Amount (HKD) (Calculated based on a HKD10,000 loan amount)	Monthly Flat Rate	APR (Calculated based on designated loan amount, including 2-Month Payment Holiday)		Monthly Repayment Amount (HKD) (Calculated based on a HKD10,000 loan amount)
	Monthly Flat Rate	Including Cash Rebate	Excluding Cash Rebate		Monthly Flat Rate	Including Cash Rebate	Excluding Cash Rebate
1,990,000 or above	0.1338%	1.43%	2.28%	846	0.1638%	2.75%	3.26%	433
1,000,000 - 1,989,999	0.2000%	2.93%	3.41%	853	0.2300%	4.29%	4.58%	440
800,000 - 999,999	0.2500%	4.11%	4.27%	858	0.2800%	5.48%	5.57%	445
500,000 - 799,999	0.3000%	4.91%	5.14%	863	0.3300%	6.43%	6.57%	450
200,000 - 499,999	0.3500%	5.79%	6.00%	868	0.3800%	7.44%	7.57%	455
50,000 - 199,999	0.4000%	6.76%	6.88%	873	0.4300%	8.50%	8.57%	460
5,000 - 49,999	0.4500%	7.44%	7.72%	878	0.4800%	9.42%	9.58%	465

Loan Amount (HKD)	Normal Customers
	12 months loan tenor				24 months loan tenor
	Monthly Flat Rate	APR (Calculated based on designated loan amount, including 2-Month Payment Holiday)		Monthly Repayment Amount (HKD) (Calculated based on a HKD10,000 loan amount)	Monthly Flat Rate	APR (Calculated based on designated loan amount, including 2-Month Payment Holiday)		Monthly Repayment Amount (HKD) (Calculated based on a HKD10,000 loan amount)
	Monthly Flat Rate	Including Cash Rebate	Excluding Cash Rebate		Monthly Flat Rate	Including Cash Rebate	Excluding Cash Rebate
1,990,000 or above	0.2400%	3.24%	4.10%	857	0.2700%	4.86%	5.37%	444
1,000,000 - 1,989,999	0.2400%	3.61%	4.10%	857	0.2700%	5.08%	5.37%	444
800,000 - 999,999	0.2800%	4.63%	4.79%	861	0.3100%	6.07%	6.17%	448
500,000 - 799,999	0.3300%	5.43%	5.66%	866	0.3600%	7.03%	7.17%	453
200,000 - 499,999	0.3900%	6.49%	6.70%	872	0.4200%	8.24%	8.37%	459
50,000 - 199,999	0.4300%	7.27%	7.39%	876	0.4600%	9.09%	9.16%	463
5,000 - 49,999	0.4800%	8.02%	8.29%	881	0.5100%	10.00%	10.16%	468

Loan Amount (HKD)	Selected Customers
	12 months loan tenor				24 months loan tenor
	Monthly Flat Rate	APR (Calculated based on designated loan amount, excluding 2-Month Payment Holiday)		Monthly Repayment Amount (HKD) (Calculated based on a HKD10,000 loan amount)	Monthly Flat Rate	APR (Calculated based on designated loan amount, excluding 2-Month Payment Holiday)		Monthly Repayment Amount (HKD) (Calculated based on a HKD10,000 loan amount)
	Monthly Flat Rate	Including Cash Rebate	Excluding Cash Rebate		Monthly Flat Rate	Including Cash Rebate	Excluding Cash Rebate
1,990,000 or above	0.1338%	1.88%	2.99%	846	0.1638%	3.21%	3.79%	433
1,000,000 - 1,989,999	0.2000%	3.85%	4.49%	853	0.2300%	5.00%	5.34%	440
800,000 - 999,999	0.2500%	5.42%	5.63%	858	0.2800%	6.40%	6.51%	445
500,000 - 799,999	0.3000%	6.48%	6.78%	863	0.3300%	7.53%	7.68%	450
200,000 - 499,999	0.3500%	7.66%	7.94%	868	0.3800%	8.71%	8.86%	455
50,000 - 199,999	0.4000%	8.95%	9.11%	873	0.4300%	9.97%	10.05%	460
5,000 - 49,999	0.4500%	9.88%	10.24%	878	0.4800%	11.06%	11.25%	465

Loan Amount (HKD)	Normal Customers
	12 months loan tenor				24 months loan tenor
	Monthly Flat Rate	APR (Calculated based on designated loan amount, excluding 2-Month Payment Holiday)		Monthly Repayment Amount (HKD) (Calculated based on a HKD10,000 loan amount)	Monthly Flat Rate	APR (Calculated based on designated loan amount, excluding 2-Month Payment Holiday)		Monthly Repayment Amount (HKD) (Calculated based on a HKD10,000 loan amount)
	Monthly Flat Rate	Including Cash Rebate	Excluding Cash Rebate		Monthly Flat Rate	Including Cash Rebate	Excluding Cash Rebate
1,990,000 or above	0.2400%	4.27%	5.40%	857	0.2700%	5.67%	6.28%	444
1,000,000 - 1,989,999	0.2400%	4.76%	5.40%	857	0.2700%	5.94%	6.28%	444
800,000 - 999,999	0.2800%	6.11%	6.32%	861	0.3100%	7.10%	7.22%	448
500,000 - 799,999	0.3300%	7.18%	7.48%	866	0.3600%	8.23%	8.39%	453
200,000 - 499,999	0.3900%	8.59%	8.87%	872	0.4200%	9.66%	9.81%	459
50,000 - 199,999	0.4300%	9.64%	9.80%	876	0.4600%	10.67%	10.75%	463
5,000 - 49,999	0.4800%	10.65%	11.01%	881	0.5100%	11.75%	11.94%	468

Tool

Eligibility

You must be aged 18 or above

You must be employed in Hong Kong

You must be a Hong Kong resident

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The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU.

Subject to the relevant terms and conditions. For details, please click here.

Express Money – Electric Vehicle Loan

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Features

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Eligibility

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Other Products and Offers

Express Money –
Electric Vehicle Loan