The Bank of East Asia

Personal Banking

Overdraft Facility

HKBEA Consumer Loan Overdraft Facilities

Apply on or before 31st December, 2021 and you 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


Terms and Conditions

Apply online Submit Documents Now

Application Hotline:2211 1211

10:00 a.m. to 8:00 p.m. (Monday to Friday)
09:00 a.m. to 1:00 p.m.(Saturday)(except public holidays)



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