Education Loan 


Keep Adding Value In Your Whole Life
Support You To Achieve Your Goal
Supporting Your Life Goal

Education Loan

Life is continuous improvement! Grasp knowledge can grasp life. OCBC Wing Hang Credit supports you to achieve goals, arranges for tuition fees, book fees, overseas living expenses or study-tour expenses, to help you or your children to add value continuously! Successful drawdown can be entitled 10 times of OCBC Wing Hang Bank telegraphic transfer handling fee rebate offer and up to HK$2,500 scholarship. Our dedicated customer service officers will follow-up your loan application.


● Smart Tip - Key Facts Statement, Terms and Conditions , Reminders about Responsible Borrowing , "Education Loan" Terms and Conditions

HK$200 bookstore coupon

Eligible customer who has successfully applied for and drawn the loan can be granted HK$200 bookstore coupon!

OCBC Wing Hang Bank telegraphic transfer handling fee rebate offer

Eligible customer who has successfully applied for and drawn the loan can be granted 10 times of OCBC Wing Hang Bank telegraphic transfer handling fee rebate offer!

Up to HK$2,500 scholarship

Upon term completion or successful graduation and the submission of related certificate of graduation or transcript, you can be awarded with up to HK$2,500 scholarship! The promotion offer is subject to terms and conditions.

High loan amount

Loan amount can be as high as $1,200,000

Long repayment tenor

Repayment tenor can be as long as 60 months.


Application Hotline :

Hong Kong


(+852) 2201 7800

North Point: 

(+852) 2201 7822


(+852) 2201 7799


Tsim Sha Tsui:

(+852) 2201 7900

Kwun Tong:

(+852) 2201 7878

Prince Edward:

(+852) 2201 7866

New Territories

Tsuen Wan:

(+852) 2201 7988

Tai Po:

(+852) 2201 7966

Kwai Fong:

(+852) 2201 7933

Notes regarding the Education Loan:


1. Annualized percentage rate("APR") is a reference rate which includes the basic interest rates and other fees and charges of a product expressed as an annualized rate. The APR ranged from 3.99% to 36% generally and the minimum repayment period and maximum repayment period is of 6 months to 60 months. APR is calculated according to the method set out in the relevant guidelines under the Code of Banking Practice issued by the Hong Kong Association of Banks as the basis. The APR has been corrected to 2 decimal places. If the loan amount is $1,500,000, the monthly flat rate for 12 months and 24 months is 0.093% and 0.129%, if the loan is approved finally by the Company, the APR for 12 months and 24 months is 3.99% and 4.98%, with a handling fee of 1% per annum included, the total loan repayment amount is HK$1,516,740 and HK$1,546,440. The loan handling fee is to be paid in full upon loan drawdown. The interest rate is calculated based on 365 days per year. Example is for reference only. The APR may differ with different loan amounts and tenors. For details, please contact our staff.


The above loan product and offer are bound by the applicable terms and conditions. Please contact the staff of the Company for details.


OCBC Wing Hang Credit Limited (“Company”) is the wholly-owned subsidiary of OCBC Wing Hang Bank Limited. The Company is the entity which processes the application of the Education Loan and provides the loan and related services. Customer can submit application through the branches of the Company and OCBC Wing Hang Bank Limited. To enquire the relevant terms and conditions, please contact the staff of the Company.


Before you make request for early repayment for Instalment loan, please refer to "FAQ" of this website.


For details or enquiries about the related terms and conditions, please contact us.


To borrow or not to borrow? Borrow only if you can repay!

3 ways to apply

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