Fortress Circle [Subscrible + for Apple Products]

This plan is a credit product. Reminder: To borrow or not to borrow? Borrow only if you can repay!

#WeLab Bank is the only bank which partnered with Apple in providing official revolving credit instalment plan for Apple products as of 31 August 2026.

+Assuming the pay-later amount of each device will be paid in the last installment. The last installment will include the monthly repayment amount and the pay-later amount of the device, which differs from the monthly installment amount. Repayment tenor depends on the Apple product category.

^Monthly payment amount is calculated based on the entry model of the series with lowest selling price and assumed 0% Annualized Interest Rate(APR) after deduction of the buy now pay later value*. The APR is calculated according to the guidelines issued in respect of the Code of Banking Practice. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualized rate. The APR applicable to individual customers is subject to the final approval by WeLab Bank. Loan portion relevant to AppleCare+ is interest free.

*The percentage of the buy now pay later value in the selling price of Apple products shall be: MacBook Air M5 & MacBook Pro M5 - 30%; Мас 24", Mac mini & Mac Studio -  25%; iPad A16, iPad mini A17 Pro, iPad Air M4 & iPad Pro M5 - 20%; iPhone 18 Pro Series & iPhone 17 Series - 28%; Apple Watch SE 3, Apple Watch Series 12 & Apple Watch Ultra 4 - 25%; Accessories and designated products have no buy now pay later value. Please consult our staff for the actual selling price and buy now pay later value of the products.

(1) The Annualized Interest Rate (APR) under this program is as low as 0%. The APR is calculated according to the guidelines issued in respect of the Code of Banking Practice and rounded to the nearest 2 decimal places and may vary for individual customers. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualized rate, and the APR and monthly repayment amount applicable to individual customers may vary. The revolving credit limit, APR and the loan tenor of the instalment loan of this program will be subjected to the bank's final approval. If you do not have a valid WeLab Bank account before the application of this program, you will apply to open a WeLab Bank account during the application of the program. After the completion of the application, please download and log in WeLab Bank app to re-authenticate your account and complete setting up as soon as possible. Your account will not be fully functionable including that you cannot make another purchase with the revolving credit line until you have completed the re-authentication.

(2) This program is a revolving credit facility. Through this program, if you purchase an Apple product with assigned buy now pay later value, monthly instalment amount will be calculated after deduction of the buy now pay later value of such product. Depending on the Apple product purchased, the buy now pay later value can be up to 30% of the purchase price of the Apple product. Final instalment amount includes monthly instalment amount and the buy now pay later value of the product.

(3) The loan tenor ranges from 12 to 36 months, depending on the Apple product purchased. T&C applies, please refer to the WeLab Bank website. This program is a revolving credit facility provided by WeLab Bank. WeLab Bank has not appointed any retail partners as intermediaries or agents to refer any credit product applications. WeLab Bank is not the supplier or reseller of Apple products. Any inquiry, comment or complaint about the quality of relevant Apple products or services should be directed to the relevant suppliers or resellers. WeLab Bank will not be responsible for any matters in relation to relevant products or services, any disputes arising from the Apple products and services should be resolved between the customer and the relevant suppliers or resellers. You will not enjoy the chargeback protection in the program, which means if the reseller fails to deliver the product or AppleCare+ and refuses to refund the purchase payment, we will not make any refund to you instead and your obligation to repay the instalment loan in full will continue, Apple, Apple Watch, iPad, iPhone and MacBook Air are trademarks of Apple Inc., registered in the U.S. and other countries and regions.

Subject to terms and conditions. Please refer to the WeLab Bank website for details. This plan is a revolving loan product provided by WeLab Bank. WeLab Bank has not appointed retail partners as its intermediary or agent to refer or sell any credit product applications. WeLab Bank is not the supplier or distributor of Apple products. If you have any inquiries, comments or complaints about the quality of Apple products or services, please contact the relevant supplier or distributor directly. WeLab Bank assumes no responsibility. The refund guarantee mechanism does not apply to this plan. If the distributor fails to deliver the products and/or AppleCare+ (if applicable) purchased by you and refuses to refund the purchase price, WeLab Bank will not refund, and your responsibility to fully repay the installment loan remains unchanged.

Unless otherwise specified, all amounts are in HKD. Repayment figures have been rounded to the nearest integer and are for reference only.

New WeLab Bank customers should download the WeLab Bank app and re-verify their account as soon as possible after application and purchase. Please understand this is an additional security measure. Before completing re-verification, you will not be able to fully use all functions of the account, including using the revolving credit limit for your next purchase. For assistance, please call the WeLab Bank Customer Service Hotline at +852 3898 6970 (Service Hours: 9:00 AM – 8:00 PM, Monday to Friday, excluding Public Holidays) or email wecare@welab.bank.