30 Minutes Pledge, Repayment Calculator

ZA Bank, Virtual Bank

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‘Fixed-rate’ Tax Loan
Guaranteed APR of 1.75%
Tax loan at one fixed rate offer extended! From now till 31 Jan 2022, enjoy a guaranteed APR of 1.75%* by successfully drawing down a tax loan of HKD 200,000 or above with a tenor of 6 – 36 months.
T&C apply.。To borrow or not to borrow? Borrow only if you can repay!

‘Fixed-rate’ APR guaranteed at 1.75%.
Loan amount up to HKD 1,000,000.
New bank users can get approval result in 90 seconds[1]
Entire application goes online

Complete the loan application in 4 steps

Repayment Calculator

The result from repayment calculator is for reference only
The actual result that will apply will be based on customer’s final loan amount, credit rating and other factors as assigned and considered by the Bank.
Loan amount (HKD)

Loan amount must be in multiples of HKD1000

Loan amount must be in between HKD 5,000 and HKD 1,000,000

Monthly Flat Rate (%)
Repayment period (month)

Maximum 60 months

Handling fee


Monthly Repayment Amount (HKD)
Total Interest (HKD)
Repayment Schedule

Monthly instalment amount is combined of principal and interest payable. Under the “Rule of 78”, the proportion of interest will be more in earlier instalments comparing to the later ones. Below is an example to demonstrate the calculation of interest fee under “Rule of 78”. For example, if a loan is to be repaid over 12 instalments, the total interest will be divided into 78 portions (12 + 11 + 10 + … + 1 = 78). 12/78ths of the total interest is allocated as the first instalment’s portion of the interest payable, 11/78ths of the total interest is allocated as the second instalment’s portion and so on until the twelfth instalment, at which 1/78th of the total interest is allocated as that instalment’s portion of the interest payable.


*The Annualised Percentage Rate (‘APR’) of 1.75% is calculated based on a loan amount of HKD200,000 or above and a repayment tenor of 6 - 36 months. Taking a loan with 24-month tenor as example, the monthly flat rate is 0.0758%. Please refer to the Loan Interest Rate Table in promotional terms and conditions for the monthly flat rate of other tenors. The APR is calculated using method specified in relevant guidelines issued by the Hong Kong Associations of Banks. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate.

[1] The approval results are preliminary. Users are required to submit proof documents before receiving the final approval. The actual completion time varies across individuals. In general, provided that all required information is in order, an applicant can get the preliminary approval result within 90 seconds.