The Bank of East Asia

Personal Banking

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Overdraft Facility

HKBEA Consumer Loan Overdraft Facilities

For Key Facts Statement of Overdraft Facility, please click here.
Apply online
Successfully apply can receive these great offers:

  • Full waiver of the arrangement fee for the first year (1% p.a. on the credit limit thereafter, minimum HK$200)
  • Credit limit of up to 8 times your monthly basic salary (maximum HK$1,200,000)


Credit Limit (HK$)Interest rate (p.a.)
5,000 – 199,999 P* + 3.5%
200,000 – 599,999 P* + 2%
600,000 – 1,200,000 P* + 1%

BEA SupremeGold customer can enjoy preferential interest rate as low as P*+ 0.5%. For details, please contact 2211 1211.

  * 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




Promotion bounded by Terms and Conditions, please click here for the details.

        Apply online              Submit Documents Now     

Application Hotline:2211 1211

Monday to Friday 10 a.m. to 6 p.m.
Saturday 10 a.m. to 2 p.m. (Exclude public holidays)



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!


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