Revolving Credit - Floating Rate


Catch Every Opportunity In Your Life

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Revolving Credit - Floating Rate

Catch every opportunity in your life. Revolving Credit offers you - not only cash but also an opportunity. Customers who draw Revolving Credit successfully can enjoy the below fabulous privileges. Our dedicated customer service officers will follow-up your loan application.

● Smart Tip - Key Facts Statement, Revolving Credit Agreement

Maximum credit limit up to HK$1,000,000 or 12 times of monthly salary (whichever is lower)

Handling fee wavier for each loan drawdown

First year annual fee wavier

Customers can enjoy annualised interest rate as low as P1-2% for the first 4 months



Application Hotline :

(+852) 2201 7788

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 Revolving Credit - Floating Rate and provides the loan and related services. Customers can submit applications through the branches of the Company and OCBC Wing Hang Bank Limited. To enquire about the relevant terms and conditions, please contact the staff of the Company.


Notes regarding the Revolving Credit - Floating Rate:

1. The current Hong Kong Dollar Prime Lending Rate (“P”) is subject to change as announced by OCBC Wing Hang Bank Limited (“OCBC Wing Hang Bank”) from time to time. For details, please refer to the website of OCBC Wing Hang Bank.


2. Annualized Floating Interest Rate for first 4 months can be as low as P-2%, annualized Floating Interest Rate from 5th month onwards can be as low as P+0.75%, and is determined according to customers’ financial condition and subject to the rate as listed in Confirmation of Revolving Credit Account Interest Rate / Cash Before Card (CBC) – Receipt Confirmation.


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


Customers who are entitled to the offer of Revolving Credit - Floating Rate (the "Offer") and the Promotion are bound by the terms and conditions of the Promotion, related loan application form and loan documents. Please contact the staff of the Company for details and enquiries of related terms and conditions and charges details. Loan amount, interest rate, monthly repayment amount and repayment tenor applicable to individual applicant may be different and is based on the final approval status of the Company; please contact the staff of the Company for details and enquiries. The Company reserves the right to amend, extend, suspend, terminate or cancel the Promotion and/or the terms and conditions or any parts thereof from time to time and at any time without prior notice or consent. In case of any dispute, the decision of the Company shall be final and conclusive. The Company reserves all the final decision on determining the interest rates, amending the terms and conditions in respect of the Loan, and approving the loan application. Reference will be made to the customer’s credit reports and the Company reserves the right to reject the loan application without specifying any reasons for its decision and interpretation, which shall be final, conclusive and binding on all.


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!

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