Personal Loan


Offering loan amount up to HK$2 millions, helping you manage financial expenses flexibly.

Vehicle Loan


Covering up to 100% of the car price, first year license fee and insurance.

byonRIDE x Inchcape

An exclusive financing program for Inchcape’s customers. Designated vehicle models can enjoy guaranteed buy-back value or balloon payment.

SME Business Microloan


Non-Collateral, Agile Microloan Solutions for SME Owners, Connecting Opportunities with Capital

Renovation Loan


Creating Budget Flexibility for Your Dream Home Renovation!



Creates Budget Flexibility for Your Dream Home Renovation!

Amount up to
HKD 2,000,000
(or 1.5 times of the renovation cost)
Homeowner /
whom provides relevant renovation quotation
Annualized Percentage Rate
As low as 3.36%
Repay within
6 – 72 months
UpgradeYour Home Living
Fulfill different stages of life, regardless for new home renovation or refurbishment.
GettingYour Plan Well-funded
Realize your own ideal space, with full-scale renovation budget!
Make your dream home a reality, with BYON as your backing.

Limited-Time Offer

Earn HK$1,500 Francfranc e-voucher upon successful application and draw down with promotional code ‘HM1500’ on or before 30 April 2023!

Apply Now

Subject to terms & conditions

To materialize your dream home!
Repayment Period
6 months
72 months

Monthly Repayment Amount


* The above monthly repayment amount is calculated based on a monthly flat rate of 0.15% and an annualized percentage rate of 3.51%. The repayment amount and period shown on the calculator are for reference only.

Create a Home of Infinite Possibilities in3 Simple Steps

Online application

Fill in the information and you're one step closer!

Design a solution

1-on-1 personalised customer services and solution. No hidden charges or handling fees.


With our fast approval process, you can get the cash as fast as within 24 hours.

Apply Now

Click here for more information.

Whythe hesitation?

Act Now. Your dream home, your way.

Apply Now

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BYON Website Maintenance
Please note that BYON website will be undergoing maintenance on 29th March, 2023 (Wednesday) from 7pm to 9pm. During this period, our website will be temporarily unavailable.