i checked with HSBS.
if borrow 50,000 for 12 months, interest only HKD2080.
if pay earlier, need to charge back handling fee - hkd500 and interest 2% - hkd1000. sales not suggest to clear the loan earlier, no matter you clear the loan in one month or in 11 months.
by the way, i am selling my car - 01 Dec Corolla. if any ching interest, pls pm me to talk la.