"Happy Installment" Plan
Instant online approval to settle your credit card transactions by installments easily!
![[Apple Store Exclusive] 6 months of 0 Handling Fee Offer](/img/credit_card/cc_offer2_applesp.jpg)
![[NEW] Up to HKD500 Cash Reward](/img/credit_card/cc_offer_online_tc.jpg)
Features
Personalised Monthly Handling Fee as low as 0.17%1
- APR is 3.56% with a "Happy Installment" Plan of HKD80,000 and a repayment period of 6 months.
Flexible Repayment Periods of 3-48 Months
- Repayment period of 3 months is only applicable for application via hotline.
Applicable to All Local or Overseas Retail Purchase Transactions2
Flexibility to Combine Retail Purchase Transactions3
Instant Online Application and Approval
- Login and enjoy new application experience via Digital Banking!
Tool
*If you do not provide the required information (including but not limited to Your Name) in the WhatsApp appointment, our bank staff cannot proceed to contact you to follow-up your enquiry and no separate notice will be issued.
"Happy Installment" Plan subject to relevant terms and conditions. For details, please click here.
#"Happy Installment" Plan Online Application Offer subject to relevant terms and conditions. For details, please click here.
^"Happy Installment" Plan Apple Store Retail Spending Offer subject to relevant terms and conditions. For details, please click here.
To borrow or not to borrow? Borrow only if you can repay!
The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU.
Remarks
- For details of the personalised monthly handling fees and its relevant annualised percentage rate (APR), please refer to online application form or call the Enquiry Hotline 2828 8166. APR is calculated using method specified in relevant guidelines issued by The Hong Kong Association of Banks, and is rounded up or down to the nearest two decimal places. An APR is a reference rate which includes the monthly handling fee and other applicable fees and charges of a product expressed as an annualised rate.
- "Happy Installment" Plan is applicable to transactions of HKD3,000 (or same value foreign currency transactions) or above and transactions can be combined (Amount for each single combined transaction should not be less than HKD300).
- All combined transactions must be made under the same credit card account. The Applicant has to make the Application at least 5 working days before the payment due date printed on the monthly statement which the Transactions were shown (applicable to transaction(s) made within recent 2 months only).
- The Bank may reject any Application at its sole and absolute discretion and without giving any reason therefor.
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