Skip to main content

All credit cards Cashback cards Air miles cards No annual fee cards

Popular banks

HSBC credit cards Hang Seng credit cards Citi credit cards

Compare cards side by side, without the guesswork

Save & redeem

Offer updates Offer alerts SmartDollar exclusive rewards

Do not miss the offers that are genuinely worthwhile

View latest offers

Banking & deposits

Banking and money products

Bank accounts High-interest accounts & time deposits International money transfers Mortgage information

Accounts and deposits, clearly explained

View banking products

Investment accounts

Start a business

Start and run a company

Start a business in Hong Kong Company bank accounts & business finance

From incorporation to getting paid

Explore business services

Travel & living

Travel savings

Travel deals Hotel deals eSIM comparison

Everyday savings

Household bill comparison Broadband comparison Mobile plan comparison

Understand the full cost before you go

View travel deals

Browse blog topics

All articles Credit cards Offers & rewards Miles & travel Banking & savings Investing Business Tax & retirement Lifestyle

Guides and calculators

Spend optimizer Miles value calculator Annual-fee calculator Side-by-side comparison

SmartDollar Blog

My account Browse rewards

Credit cards

All credit cards Cashback cards Air miles cards No annual fee cards HSBC credit cards Hang Seng credit cards Citi credit cards

Welcome offers

Offer updates Offer alerts SmartDollar exclusive rewards

Banking & deposits

Bank accounts High-interest accounts & time deposits International money transfers Mortgage information

Investment accounts

Start a business

Start a business in Hong Kong Company bank accounts & business finance

Travel & living

Travel deals Hotel deals eSIM comparison Household bill comparison Broadband comparison Mobile plan comparison

Blog

All articles Credit cards Offers & rewards Miles & travel Banking & savings Investing Business Tax & retirement Lifestyle Spend optimizer Miles value calculator Annual-fee calculator Side-by-side comparison

Money planning

Tax-relief guides MPF & retirement planning Insurance information

My account Compare cards

Loading / 載入中

Hong Kong money news, offers, rewards and practical product information.

Explore

All cards Offer changes Guides Rewards My account Search SmartDollar All money services Sign in / Join Card spending offers

Banking & business

Bank accounts Time deposits Money transfers Mortgages Start a business Business payments Investment accounts

Travel & lifestyle

Travel Hotels eSIM Household bills Broadband Mobile plans

Calculators

Guides Spend optimizer Miles calculator Fee break-even Tax planning Retirement planning Insurance

Trust and transparency

Ranking method Editorial policy Commission disclosure Privacy Terms About Contact

SmartDollar on mobile

Keep Hong Kong money news, offers, rewards and product information close at hand on iOS and Android.

Talk to SmartDollar

Need help with the site or want to work with us? Send your message to the right team.

Customer support[email protected]Business partnerships[email protected]

© 2026 Astera Technology Limited. All rights reserved.

Operated by Astera Technology Limited

Business Registration: 80623911

Information only, not financial or investment advice. SmartDollar is not a bank, insurer, insurance intermediary, securities dealer or money lender. Verify terms with the licensed provider before acting.

IFEC Borrowing and Debt Calculator

Calculates repayment amount, repayment period and borrowing cost for common unsecured borrowing.

Use the calculator

How IFEC Borrowing and Debt Calculator can help

Covers personal instalment loans, revolving loans, card instalments and card cash advances.
Use the output to compare affordability; it is not a lender quote or approval decision.

More Personal loans

HKMA personal-loan cost guide

Compare APR rather than a monthly flat rate because APR includes interest and applicable fees on an annualised basis.

View tool details