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Remarks of interest rate table :
- The interest rate table is only applicable to Selected Customers.
- Selected Customers includes professionals (professionals is defined to include doctors, pharmacists, accountants, barristers, solicitors, architects, surveyors, engineers, airline transport pilots, actuaries etc.), non-contract based civil servant with salary of HK$30,000 or above, full-time teachers of universities/ tertiary institution/ secondary/primary school, BComBEST Private Services Customers and the BComBEST Services Customers and the Mortgage Customers of the Bank. The Bank reserves the discretion to interpret the definition and scope of "Selected Customers".
- #Monthly repayment amount is calculated on the basis of every loan amount of HK$1,000.
- The Annualized Percentage Rate (APR) is calculated based on the loan amount of HK$100,000, HK$200,000, HK$500,000 and HK$1,500,000, including an annual handling fee of 1%.
- ^Selected Customers enjoy exclusive Annualized Percentage Rate ("APR") of 2.35% is calculated based on a monthly flat rate of 0.021%, with loan amount of HK$1,500,000 and repayment tenor of 12 months and includes an annual handling fee of 1%.
- The Interest Rate Table is for reference only. The APR is calculated according to the guideline set out in the Code of Banking Practice and rounded up/down to the nearest two decimal places. APR is a reference rate, which includes all applicable loan interest rates, fees and charges of the loan product, expressed as an annualised rate.
- The handling fee is charged at 1% of loan amount per annum. If the loan tenor is shorter than 1 year, it shall be deemed to be 1 year.
- The actual APR and monthly repayment amount applicable to individual customers may differ, customers should refer to the loan confirmation letter for the actual related information.
- The repayment table information (flat rate, repayment amount etc) does not apply to DreamCash Balance Transfer application.
- For the actual APR applicable to General Customers of DreamCash Personal Loan and DreamCash Balance Transfer, please refer to the Fact Sheet for Installment Loan Products.

i. Customer may choose to drawdown the loan within 30 calendar days from the loan approval date, and drawdown date must be a Business day of the Bank, must not be a Saturday, Sundry or Hong Kong Public holiday. (e.g. for loan approved on 3 April 2023, customer may choose to drawdown the loan on any business day between 3 April 2023 and2 May 2023). Interest shall be charged on the loan amount at the applicable interest rate (which will be stated in the Loan Confirmation Letter) starting on the date the Bank disburses the disbursement amount to the Customer until full repayment of the relevant loan. The first repayment date will be one month after the drawdown date. If the monthly repayment date falls on a Saturday, Sunday or General Holiday, then repayment will become due on the business day of the Bank after that designated repayment day provided that if that business day falls on a date of another calendar month, payment will instead become due on the business day of the Bank prior to that designated repayment date.
ii. Loan amount up to 21 times of monthly salary or HK$2,000,000 (whichever is lower) only applies to DreamCash Balance Transfer. Loan amount of DreamCash Personal Loan is up to 12 times of monthly salary or HK$2,000,000 (whichever is lower). The final loan amount will be subject to the circumstance of individual customer. The approval of the loan (as well as the final approved loan amount) is subject to the Bank's final decision.
iii. Repayment tenor up to 72 months only applies to DreamCash Balance Transfer. Repayment tenor of DreamCash Personal Loan is up to 60 months.
iv. This example is calculated based on loan amount or credit card outstanding of HK$200,000. Assuming the monthly repayment amount is 4% of statement balance or HK$50 (whichever is higher), the first 60-month average monthly repayment amount with a monthly interest rate of 2.50% is HK$5,431.98, and total interest expense is HK$345,319.34, with total repayment instalments of 378 months and APR 34.49%. If DreamCash Balance Transfer is used to repay such statement balance, with 60 months repayment tenor, 0.185% monthly flat rate and 1% handling fee of loan amount per annum, the APR is 6.53% and total interest expense (including handling fee) is HK$32,200.00, interest saved up to 90%. Example is for reference only, actual total interest saved is subject to credit condition of different customers.

General Terms and Conditions:
- The "Bank" means Bank of Communications (Hong Kong) Limited.
- The above products are subject to the relevant terms and conditions of the DreamCash Personal Loan and DreamCash Balance Transfer.
- Customer must fulfill the requirements of credit rating set by the Bank. The approval of the loan is subject to the final decision of the Bank without the liability to provide reasons.
- For the fee and charges of DreamCash Personal Loan, please refer to the Key Facts Statement for Instalment Loan.
- No person other than the customers and the Bank will have any rights under the Contracts (Rights of Third Parties) Ordinance (Cap. 623, the Laws of Hong Kong) to enforce or to enjoy the benefit of any terms and conditions under these Terms and Conditions.
- In the case of any discrepancy (ies) between the Chinese and English versions of these terms and conditions, Chinese version shall prevail.

Terms and Conditions for Promotion Offers
1. Promotion period commences from 1 October 2023 to 31 March 2024, both days inclusive ("Promotion Period").
2. To be eligible for the offer, customers shall successfully apply for DreamCash Personal Loan or Balance Transfer within the Promotion Period and drawdown the loan on or before 30 April 2024.
3. Rewards of up to HK$4,700 Spending Rebate and includes Reward 1, Reward 2 and Reward 3.
4. Reward 1: Customers who successfully apply for DreamCash Personal Loan (excluding DreamCash Balance Transfer) during the Promotion Period of specified loan amount or above and with repayment tenor of 36 months or above can enjoy a spending rebate of up to HK$1,500. For details on how the amount of spending reward is calculated, please refer to the table below:

Amount of Loan Drawdown (HK$) Credit Card Credit Rebate (HK$)
100,000 - 199,999 300
200,000 - 499,999 500
500,000 - 1,499,999 1,000
1,500,000 or above

3. Reward 2: Only applicable to customers who have successfully applied for DreamCash Personal Loan (excluding DreamCash Balance Transfer) via the Bank's website (Mainpage>Personal Banking>Loans). For details on how the amount of spending reward is calculated, please refer to the table below:

Amount of Loan Drawdown (HK$) Spending Reward (HK$)
50,000 - 99,999 200
100,000 - 199,999 500
200,000 - 499,999 1,000
500,000 - 1,499,999 1,500
1,500,000 or above

Reward 3: Customers who use the Bank’s account as the disbursement and repayment account of DreamCash Personal Loan (including DreamCash Personal Loan or DreamCash Balance Transfer) can get a HK$200 Spending reward.
5. Each Customer can enjoy each of Reward 1, Reward 2 and Reward 3 only once during the entire Promotion Period.
6. 6.Spending Reward is only applicable to the cardholders holding Bank of Communications credit card(s) issued by the Bank in Hong Kong, and other credit cards as designated by the Bank from time to time, and only applicable to principal card(s) (“Eligible Credit Cardholder”), but it is not applicable to supplementary cards, the Pacific Internet card and gift card. Eligible Credit Card will be counted by credit card number.
7. All Bonus Points will be credited to the valid BOCOM Credit Card Accounts held by the customer on or before 31 July 2024.
8. Spending Reward awarded can only be used for retail spending and cannot be used as cash advance or to offset financial charge or to settle outstanding balance incurred before Spending Reward is awarded. Spending Reward cannot be redeemed for cash or other gift items, refunded or transferred.
9. Any customers who hold more than one Bank of Communications Credit Card, the Bank reserves the right to credit the Spending Reward to any valid credit card account of the Customer at the Bank at its sole discretion. Customer must maintain valid and good standing of the credit card account(s) at the time when Spending Reward is credited, or otherwise the Bank reserves the right to withdraw the above offers of Spending Reward for Customers at any time without prior notice
10. The repayment account or loan account held by the customer must be valid, non-delinquent and in good standing when the Bank credits the Spending Reward. The Bank reserves the rights to terminate the relevant offer without prior notice.
11. The Bank reserves the rights to terminate the above offers, or to amend the terms and conditions at any time without prior notice. The Bank has no liability for any changes or termination of the offers.

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

Bank of Communications (Hong Kong) Limited (Incorporated in Hong Kong with limited liability)