Personalized Stellar APR2
Total loan amount up to 12 times of monthly salary3
From application to loan disbursement, complete in as fast as 5 minutes4
No minimum balance requirement
Enjoy HKD/USD/CNY high-interest deposit
Flexible deposit term, you can set your own maturity date
Earn more with interest booster
24 x 7 FX service, real-time quotes
Instant trading, immediate transfers
Support 3 currencies： HKD/USD/CNY
Free transfer in various currencies (HKD, USD and CNY)
Transfer via mobile numbers, email addresses or account numbers
24 x 7 Instant Transfer (HKD and CNY)
FPS
Seamless Account Opening: Open your account anytime, anywhere with just a few taps on the app.
Low-Cost Trading: Trade HK stocks from as low as HK$18, and US stocks at just US$1.99 per order. Lifetime $0 Commissions on HK Stocks5, and US stocks at just US$1.99 per order.
Fractional Shares: Start investing with just 1 share for HK stocks or as little as US$5 for US stocks.
Diverse Options: Explore a wide range of HK and US stocks and ETFs tailored to your goals.
Strategic Investment
by Futu Group and Xiaomi Corporation
Digital bank licensed by Hong Kong Monetary Authority
Bank Code: 395
Empowered by big data, the entire process is mobile-operated
24 x 7 Mobile Banking Services
1.Visitors are required to be physically present in Hong Kong at the time of account opening application.
2.Annualized Percentage Rate ("APR") is calculated in accordance with the method set out in the relevant guidelines referred to in the Code of Banking Practice and rounded up or down to the nearest two decimal places. APR is a reference rate which includes the basic interest rate and other fees and charges (if applicable) expressed as an annualized rate. The APR ranges from 7.43% to 35.05% with repayment period of 6 to 60 months. The example below is for illustrative purpose only. For a loan amount of HKD800,000 with 12 months repayment period with the APR being 7.43%, the total loan repayment amount is HKD831,497.86 (handling fee waived). Please refer to "Airstar Personal Instalment Loan Terms and Conditions" for details. This example and the resulting calculations do not constitute a quote or offer from the Bank and is not binding on the Bank. Approval of the APR is subject to the final decision of the Bank. The offer is subject to limited quota. In case of any dispute, the Bank reserves the right of final decision. The Bank reserves the right to change details (including terms and conditions) under the "Personal Instalment Loan" or to suspend or terminate the "Personal Instalment Loan" at any time in its absolute discretion without prior notice.
3.Loan amount up to 12x of monthly salary or HKD1,000,000 (whichever is lower).
4.According to individual circumstances, the Bank reserves the right to request customers to provide additional supporting documents for approval. The approval time required is subject to real situation.
5. $0 commissions on HK stocks forever offer has no expiration for accounts that have already obtained eligibility. Participation is limited to accounts opened during the promotion period (based on the system-recorded time). The start/end date, adjustments, or extensions of the promotion period shall be subject to the platform's page announcements or official notifications at that time.
Risk Disclosure:
Currency conversion risk – Foreign currency exchange is subject to exchange rate risk. Customers may incur losses due to currency fluctuations at the time of currency conversion. CNY currency risk - CNY is currently not freely convertible and is subject to prevailing regulatory requirements. The actual conversion arrangement will depend on the applicable restrictions at the relevant time.