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Loan Services

Our Loans

Personal Tax Loan

With HSBC's Personal Tax Loan, you can enjoy extra cash anytime and receive up to 12 months' interest rebate1. You will realize paying tax can be effortless as you fulfill your plans with ease.

  • Simple and convenient application, income proof2 and Tax Demand Note are not required
  • 5-minute approval3 with instant disbursement to your bank account for flexible use
  • Loan amount of up to HK$3,000,000 or 10 times of the monthly salary4
  • Apply for Personal Tax Loan online to enjoy extra cash rebate of up to HK$200!*

Personal Instalment Loan

Fixed, regular monthly payments allow you to budget accurately

  • Fast approval and cash withdrawal within 5 minutes
  • Flexible repayment period up to 48 months
  • Any time redraw the repaid principal on existing loan without re-applying
  • Up to 24-month interest rebate#
  • Apply for Personal Instalment Loan online to enjoy extra cash rebate of up to HK$200!*

Personal Instalment Loan Redraw

Handy cash exclusively for existing Personal Instalment Loan customers

  • Redraw the repaid principal from existing Personal Instalment Loan account without re-applying
  • Instant cash withdrawal from over 1,000 HSBC ATMs
  • Maximum repayment period up to 48 months

Revolving Credit Facility

A revolving loan with the ultimate flexibility to set your credit repayment schedule and amount

  • Fast approval and cash withdrawal within 5 minutes
  • Minimum 2.5% of the utilised credit balance as the repayment amount
  • No withdrawal fee
  • Apply for online to enjoy extra cash rebate of HK$200!*

Personal Instalment Loan Balance Consolidation Program

One simple and flexible solution to consolidate all your outstanding credit card and loan balances to a single loan account with HSBC to ease your repayment burden

  • Extra long repayment period up to 72 months
  • Personalised interrst rate to save your interest expenses

Overdrafts

Extra cash credit around the clock for when you need it most

  • Clean overdraft facility gives you stand by cash in case of emergency
  • Pledge your assets as security for a secured overdraft facility

Remarks
1. Only applicable to customers whose loans are successfully approved on or before 31 January 2015 and who successfully draw down the entire Loan amount (with a repayment period of 12 months) on or before 30 April 2015. The applicable interest rebate varies according to the approved Loan amount and repayment period. Terms and conditions apply. Please click here to refer to the monthly repayment table for details.
2. Only applicable to HSBC payroll customers with at least one month payroll record immediately prior to the loan application. For irregular income earners (including customers working on a part-time, commission or profit sharing basis), no income proof is required if they have maintained an auto payroll account in HSBC for at least 3 months.
3. Applications have to be submitted during the Bank's service hours (Monday to Friday: 9 am-8 pm, Saturday: 9 am-1 pm, except public holidays, or individual branch's opening hours) with all required information (including without limitation a valid HSBC banking account number) and documents. The actual turnaround time starts when all the required information is successfully input into the Bank's application evaluation system. Processing time may vary in some cases depending on the actual circumstances of individual applications.
4. The lower one applies.

# Applicable to customers whose loan applications are successfully approved during the Promotional Period and with a repayment period of 24 months. The applicable interest rebate varies according to the approved loan amount and repayment period. Terms and conditions apply. Please click here to refer the monthly repayment table for details.

* Applicable to successful loan applications of Personal Instalment Loan, Personal Tax Loan or Revolving Credit Facility via HSBC website www.hsbc.com.hk or HSBC Internet Banking with an approved loan amount of HK$50,000 or above (Personal Instalment Loan and Personal Tax Loan) or HK$60,000 or above (Revolving Credit Facility). Terms and conditions apply. Please click here for details of Personal Instalment Loan, click here for details of Personal Tax Loan, or click here for details of Revolving Credit Facility.

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Demo Video for Online Application

Click here to view demo videos illustrating the 5 easy steps of online application for personal loans