CMK Electrical Store 張毛記 x X Pay | Hong Kong Established Electronics Retailer — Buy Now Pay Later, Interest-Free 3 Instalments

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What is CMK Electrical Store (張毛記)?

CMK Electrical Store (cmk.hk), known in Chinese as 張毛記電業, was founded in 1979 and is one of Hong Kong’s most established chain electronics retailers, specialising in the retail and wholesale of Japanese, European, and American brand home appliances and digital products. With its own office, warehouse, dedicated delivery fleet, and installation team, CMK operates multiple branches across Hong Kong, Kowloon, and the New Territories — including flagship stores in Tin Shui Wai and Tseung Kwan O — as well as an online store at cmk.hk.

CMK’s brand promise is “Quality Life · Quality Appliances · All at CMK”, serving Hong Kong households for over 45 years with hottest products, limited-time offers, member benefits, and convenient online shopping with in-store pickup and home delivery options.

Now, shoppers can use X Pay Buy Now Pay Later to split CMK purchases into 3 interest-free instalments — making it easier than ever to bring home the appliances they need without a large upfront outlay.

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CMK Popular Product Categories

• Large home appliances (air conditioners, refrigerators, washing machines, dryers)
• Lifestyle appliances (vacuum cleaners, air purifiers, electric fans)
• Kitchen appliances (microwaves, ovens, coffee machines, rice cookers)
• Personal care devices (Dyson and other leading brands)
• Digital imaging (cameras, camcorders)
• Mobile phones and smart devices
• Laptops and computer peripherals
• Audio and visual equipment

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If you are searching for:

• CMK promo code
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• Air conditioner BNPL Hong Kong
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• CMK Dyson discount
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You can now enjoy flexible Buy Now Pay Later payments with X Pay at CMK Electrical Store.

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CMK x X Pay | Exclusive Offer

New X Wallet App users get an exclusive first-time discount when using X Pay for the first time!

By paying with X Pay at CMK Electrical Store, you also enjoy:

• Supports Visa and Mastercard credit cards
• Enjoy interest-free 3-month instalments with eligible Visa / Mastercard cards via X Pay
• Pay only 1/3 upfront — take your appliance home today
• No hidden fees

Download the X Wallet App now, activate X Pay, and enjoy Buy Now Pay Later on all your favourite CMK products.

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How to Use X Pay (Buy Now Pay Later) at CMK

Existing X Wallet Users

1. Open the X Wallet App and log in
2. Select “X Pay”
3. Choose X Pay as your payment method at CMK checkout
4. Scan the QR code or follow on-screen instructions to complete payment

New X Wallet Users

1. Download the X Wallet App
2. Register an account and activate X Pay
3. Once activated, use X Pay to shop at CMK for home appliances and digital products

How X Pay Splits Your Payment

• Pay only one-third of the total order value today
• The remaining balance is automatically charged over the next two months — zero interest, zero hidden fees

Step-by-step tutorial: How to Use X Pay

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Why Use X Pay for Home Appliances at CMK?

Large home appliances — air conditioners, washing machines, refrigerators — represent some of the biggest household purchases a family makes. X Pay lets you take the appliance home today by paying just one-third upfront, with the rest automatically charged over two months — no interest, no paperwork, no hidden charges.

• Interest-free 3 instalments: Spread the cost of large appliances without paying a cent in interest.
• No hidden fees: X Pay charges zero interest and zero hidden fees.
• New user exclusive offer: First-time X Pay users enjoy a special discount at participating merchants.
• Fast activation: Download the X Wallet App and get approved in minutes.

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Buy Now Pay Later | Zero Interest & Exclusive Promotions

X Pay charges no interest and no hidden fees. On top of interest-free instalments, X Pay regularly runs exclusive merchant promotions to help you save even more.

Download the X Wallet App today, select X Pay at checkout, and enjoy the Buy Now Pay Later experience at CMK Electrical Store.

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Frequently Asked Questions

Can I use Buy Now Pay Later at CMK Electrical Store?

Yes. Customers can use X Pay Buy Now Pay Later (BNPL) with Visa and Mastercard to purchase home appliances, digital products, and all electronics at CMK.

Does X Pay offer interest-free instalments?

Yes. X Pay provides interest-free payments split into 3 instalments, applicable across CMK’s full product range.

Can I buy an air conditioner or washing machine in instalments with X Pay?

Yes. Whether you’re purchasing an air conditioner, washing machine, refrigerator, or Dyson vacuum cleaner, simply select X Pay at CMK checkout to split the payment into 3 interest-free instalments.

Do I need to pay the full amount upfront?

No. You only pay one-third of the order total at checkout. The remaining balance is automatically charged over the following two months — no interest, no hidden fees.

Which credit cards does X Pay support?

X Pay supports Visa and Mastercard credit cards. Bind your card in the X Wallet App to get started.

How do I start using X Pay?

Download the X Wallet App, complete registration, and activate X Pay. You can then use it at CMK immediately.

Are there any new user promotions?

Yes. New X Wallet App users can enjoy exclusive offers at participating merchants. Please refer to the latest promotion details.