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Interest calculator

Edit the credit amount to see how much interest you’d need to pay back per day for our Overdraft Products.

dpws-tools-overdraft-calculator

Disclaimer:

Figures shown are for guidance only and do not represent guaranteed rates or payment amounts.
Daily interest shown applies to 365-day years only.

 

Remarks:

  • The interest will be debited from the account on the 28th of each month. If the date falls on Sunday or public holiday, interest will be debited on the preceding working day.
  • Premier Clean Credit: Maximum HKD 800,000 or 6 times monthly basic salary, whichever is lower. Interest rate as low as P + 4% p.a. 
  • Advance Clean Credit: Maximum HKD 800,000 or 4 times monthly basic salary, whichever is lower. Interest rate as low as P + 5% p.a.
  • PIA Clean Credit: Maximum HKD 800,000 or 4 times monthly basic salary, whichever is lower. Interest rate as low as P + 6% p.a.
  • Personal Overdraft: Maximum HKD 800,000 or 4 times monthly basic salary, whichever is lower. Interest rate as low as P + 7% p.a.
  • Premier, Advance and PIA Secured Credit: Default ceiling limit is HKD 5,000,000. Interest rates depend on the account type and the assets against which the credit is secured. Premier Interest rate as low as P + 1% p.a. (deposit); P + 2% p.a. (investment). Advance and PIA Interest rate as low as P + 1.5% p.a. (deposit); P + 2.25% p.a. (investment).