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Loan Tariff

Loans Services

  Personal Instalment Loans (including Personal Instalment Loan Balance Consolidation Program) Personal Tax Loan Revolving Credit Facility
Annual Fee Not applicable Not applicable 1% of the limit
(maximum HKD1,000)
Handling Charge 1% per annum of loan amount Subject to promotional offer Not applicable
Early Redemption Penalty 2% of original loan amount plus cash rebate/interest rebate (if any) 2% of original loan amount plus cash rebate/interest rebate (if any) Not applicable
Deferred Payment Deferred Payment (for 1st repayment): 2.25% p.m. on approved loan amount, calculated on daily basis Deferred Payment (for 1st repayment): 2.25% p.m. on approved loan amount, calculated on daily basis 8% flat on payment in arrears
(minimum HKD100,
maximum HKD200)
Late Charge 2.25% p.m. calculated on daily basis for amounts in arrears, plus HKD400 on each instalment due to insufficient 2.25% p.m. calculated on daily basis for amounts in arrears, plus HKD400 on each instalment due to insufficient Prevailing Rate
Unauthorized Overdraft Handling Charge Not applicable Not applicable HKD120

Overdrafts

  Personal Overdraft HSBC Advance and
Personal Integrated Account
HSBC Premier
Unsecured Overdraft Secured Overdraft Unsecured Overdraft Secured Overdraft
Service Fee Annual fee -
1% of the limit (minimum HKD200, maximum HKD700)
Monthly fee -
HKD50 x the previous month's utilised % of limit
Not applicable Monthly fee -
HKD50 x the previous month's utilised % of limit
Not applicable
Late Payment Charge (Minimum Payment) Not applicable HKD80 Not applicable Not applicable Not applicable
Overdue Interest /
UOD Interest Rate
HSBC Best Lending Rate +8% HSBC Best Lending Rate +8% HSBC Best Lending Rate +8% HSBC Best Lending Rate +8% HSBC Best Lending Rate +8%
Unauthorized Overdraft Handling Charge HKD120 HKD120 HKD120 HKD100 HKD100
Overdraft Protection Interest Rate Not applicable HSBC Best Lending Rate+ 5% HSBC Best Lending Rate + 4%