Grow your savings without monthly fees

  • No minimum deposit balance requirement
  • 0.1% p.a. preferential saving interest rate
  • 7x24 online application via mobile APP

Savings Deposit Rate

Deposit Balance(HKD) Annual Interest Rate
First $500,000 0.10%
Above $500,000 0.01%

The annual interest rate is effective from 21 January 2022. (The annual interest rate is calculated on a daily basis over a 365-day year and will be determined by the Bank from time to time.)

Bank Transfer

Make transaction via FPS

  • Register FPS service using FPS ID / mobile number / email address
  • Make instant HKD transfers anytime and anywhere
  • FPS Local transactions without fee

Transfer to other PAObank accounts

  • Input payee’s name, account number to make transfer
  • Make instant HKD transfers anytime and anywhere
  • “Intra Bank Transfer” transactions without fee

Loan Repayment Calculator

Fill in the blanks below to calculate the monthly repayment amount.

  • i) Type of Loan
  • ii) Loan Amount HKD The minimum Loan Amount for illustration is HK$100,000 The maximum Loan Amount for illustration is HK$40,000,000 Please enter Loan Amount
  • iii) Interest Rate % (Monthly Flat Rate) Please enter Interest Rate ranged from 0.015 to 1.5
  • iv) Repayment Period
  • Remark: With a monthly flat rate, interest payments are calculated based on the original loan amount. The monthly interest stays the same throughout, even though your outstanding loan reduces over time.

Your Calulation Result

Monthly Repayment Amount = HKDError!

No. of Installments Monthly Repayment Amount (HKD) Principal Amount (HKD) Interest Amount(HKD) Outstanding Loan Principal Amount (HKD)
Remark: The above calculation is for reference only and the actual repayment liability depends on the actual terms of each borrowing arrangement.