1
Input and verify your mobile number 2
Set up your username and password 3
Take 3 photos of your HKID at different angles for identity verification 4
Follow instructions to take selfie for biometric identification 5
Input and confirm your personal information 6
Share QR code to Director(s) & Shareholder(s) for confirmation 7
Done！Maximise your savings with the most flexibility
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 Equivalence) | HKD(Annual Interest Rate) | CNY(Annual Interest Rate) | USD(Annual Interest Rate) |
|---|---|---|---|
| First $500,000 | 0.10% | 0.25% | 0.10% |
| Above $500,000 | 0.01% | 0.25% | 0.10% |
The annual interest rate is effective from 24 September 2025. (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.)
The Annual Interest Rates are calculated on the basis of different number of days in a year for different currencies, subject to the Bank's determination from time to time.
HKD - 365 days | CNY, USD - 360 days
HKD - 365 days | CNY, USD - 360 days
The above Annual Interest Rates are for reference only and are subject to market fluctuations and the final rates at the time of transaction.
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.