Key Facts Statement/Schedule of Fees and Charges
Enjoy your financial flexibility with standby cash:
- Perpetual annual fee waiver1
- Credit limit up to 10 times monthly salary (maximum HK$1,200,000）
- No withdrawal fee
- Interest will be charged only on the outstanding amount on a daily basis
Loan interest rate table
| Credit Limit (HK$) |
Interest Rate (p.a.) |
| SupremeGold Customers |
Auto-payroll Customers |
Supreme/BEA GOAL Customers |
| 5,000 – 199,9992 |
P* + 2.5% |
P* + 3% |
P* + 3.5% |
| 200,000 – 599,999 |
P* + 1.25% |
P* + 1.5% |
P* + 2% |
| 600,000 – 1,200,000 |
P* + 0.5% |
P* + 0.5% |
P* + 1% |
1 SupremeGold customers can enjoy a perpetual annual fee waiver; Auto-payroll customers can enjoy a first 2-year annual fee waiver; Supreme/BEA GOAL customers can enjoy a first-year annual fee waiver.
2 Minimum credit limit for SupremeGold customers is HK$10,000
* P is equivalent to the BEA HKD Prime Rate and is quoted by The Bank of East Asia, Limited ("BEA") from time to time. Please consult BEA for the latest rate
To promote responsible borrowing and reduce the risk of impulsive and excessive borrowing, our bank provide the cooling-off period to this loan product. Please refer to the notice for details.
Reminders about Responsible Borrowing:
- You should have a clear understanding of your financial condition, daily expenses, and actual borrowing needs.
- should assess your repayment ability and avoid over-borrowing.
- You should repay any outstanding balance on time to avoid late payment charges and additional overdue interest.
- To borrow or not to borrow? Borrow only if you can repay!
Useful Links:
Key Facts Statement (KFS) for Overdraft FacilityOverdraft Facility Terms and ConditionsFrequently Asked QuestionsLoan Calculator
