Balance Transfer Calculator
Compare the total cost of moving a credit-card balance to a low-rate promo card versus keeping it on the old card, to see if a balance transfer is worth it.
輸入資料
計算結果
重點速覽：A balance transfer shifts an outstanding credit-card balance to another card (usually a different bank) offering a low or 0% promotional rate to cut interest. A 0% or ultra-low new card looks attractive, but true value also depends on two often-overlooked costs: the one-off balance-transfer fee (a % of the transferred balance) and the normal rate after the promo ends. This tool compares on a simplified simple-interest basis: the old-card total cost versus the new-card total cost (transfer fee + promo-period interest + post-promo interest); the difference is the 'transfer savings'. Positive means the transfer pays off; negative means it costs more. The key rule: clear the balance within the promo period so the interest saved exceeds the fee, and note the 0% promo usually covers only the transferred balance, not new spending.
計算公式
Old-card cost = balance + old annual rate% × balance × repayment years.
Transfer fee = balance × transfer fee rate%.
New-card cost = balance + transfer fee + promo interest + post-promo interest.
Promo interest = promo annual rate% × balance × promo years; post-promo interest = final annual rate% × balance × (repayment years − promo years).
Transfer savings = old-card cost − new-card cost (positive = worthwhile).
$$C_{\text{old}} = B + \dfrac{r_{\text{old}}}{100} \times B \times y$$$$F = B \times \dfrac{r_{\text{fee}}}{100}$$$$C_{\text{new}} = B + F + \dfrac{r_{\text{promo}}}{100} B\,y_p + \dfrac{r_{\text{final}}}{100} B\,(y - y_p)$$$$\text{Savings} = C_{\text{old}} - C_{\text{new}}$$使用說明
- Enter the balance to transfer and the old card's annual rate.
- Enter the new card's transfer fee rate, promo rate and post-promo rate.
- Enter the repayment years and promo years to see if the transfer saves money.
以結欠 HK$3,500、舊卡年利率 20%、計劃 2 年還清為例 (舊卡總成本固定約 HK$4,900)，比較不同轉戶費率下轉去新卡 (首年 0%、之後 18%) 的總成本與節省金額。
| 轉戶費率 | 轉戶費 | 新卡總成本 | 轉戶可節省 | 是否划算 |
|---|---|---|---|---|
| 5% | HK$175.00 | HK$4,305.00 | HK$595.00 | 划算 |
| 10% | HK$350.00 | HK$4,480.00 | HK$420.00 | 划算 |
| 20% | HK$700.00 | HK$4,830.00 | HK$70.00 | 僅微利 |
| 30% | HK$1,050.00 | HK$5,180.00 | −HK$280.00 | 不划算 |
理財情境案例
個案一:小額結欠、費率決定成敗 (HK$3,500)
陳同學信用卡欠下 HK$3,500，舊卡年利率 20%，打算 2 年內還清，留在舊卡的總成本約 HK$4,900。
他看中一張新卡:首 12 個月 0%、之後 18%。若轉戶費為 10%(HK$350)，新卡總成本約 HK$4,480，可節省 HK$420;但若某張卡轉戶費高達 30%(HK$1,050)，新卡總成本反升至 HK$5,180，倒蝕 HK$280。
結論:小額結欠對轉戶費特別敏感，簽約前務必用實際費率計一計，別被『0% 免息』字眼誤導。
個案二:大額結欠、低費率的可觀節省 (HK$20,000)
李先生累積了 HK$20,000 卡數，舊卡年利率高達 30%，計劃 1.5 年內還清，留在舊卡總成本約 HK$29,000。
他成功轉去一張轉戶費僅 3%(HK$600)、首年 0%、之後 12% 的新卡:新卡總成本約 HK$21,800，可節省約 HK$7,200。
當結欠大、舊卡息高、而新卡轉戶費低時，結餘轉戶的效益最明顯;但他仍須在優惠期內努力還款，避免拖到 12% 高息期才慢慢還。
常見問題
結餘轉戶甚麼時候才值得？
當轉戶可節省的金額為正數，即新卡總成本低於舊卡時才值得。關鍵在於能否在優惠期內盡量還清，並確保省下的利息高於轉戶費。
0% 優惠適用於所有簽賬嗎？
通常 0% 只適用於轉入的結欠，不涵蓋轉戶後新增的簽賬。新簽賬可能按一般利率計息，使用時要特別留意。
為何要留意轉戶費？
轉戶費是一次性收費 (常見為結欠的某個百分比)，若費用太高，可能抵銷掉省下的利息，令轉戶變得不划算。
結餘轉戶會影響信貸評分嗎？
申請新卡通常會觸發一次信貸查詢，短期內可能令評分略降;開新卡也會拉低平均戶口年期。但若因此顯著降低利息、加快還清欠款、並準時還款，長遠反而有助改善負債比率與還款紀錄。避免在短時間內頻繁開卡即可。
香港有這類結餘轉戶計劃嗎？
有。香港多間銀行提供「結餘轉戶計劃」或「分期免息 / 低息還款」，年利率、手續費 (轉戶費) 及優惠期各有不同，部分以『每月手續費』或『實際年利率 (APR)』標示。申請前應向發卡行索取條款、比較實際年利率，並留意逾期或提早清還的收費，本計算器結果只作粗略估算。
相關工具
參考資料
Reviewed by the Hong Kong Calculator finance team. Calculation logic and formulas follow the personal finance guidance of the Hong Kong Monetary Authority (HKMA) and the Investor and Financial Education Council (IFEC). Results are for reference only; please refer to the relevant authorities for the latest figures.