Remarks

1. The 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. An APR is a reference rate which includes the monthly handling fee and other fees and charges of a product expressed as an annualised rate.
2. The result of the loan calculator is for reference only and the actual repayment liability depends on the actual terms of each borrowing arrangement. The approved loan subject to final approval of Dah Sing Bank, Limited (the "Bank"), and shall be bound by the Terms and Conditions of relevant loan product. In case of disputes, the decision of the Bank shall be final.
3. In case of early settlement of the outstanding balance of the Credit Card Installment Loan (including remaining loan amount and total handling fee) at any time, customer shall forthwith repay all the remaining but not yet paid outstanding balance of the Credit Card Installment Loan and pay an Installment Plan Cancellation Fee of HKD300. When deciding to make the early repayment, customer can contact us about the total amount involved in early repayment (including remaining loan amount and total handling fee). Customer can compare different scenarios and consider carefully before deciding whether to early settle or not.