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Loan Services

Our Loans

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
  • Apply for Personal Instalment Loan online to enjoy cash rebate of up to HK$300!*

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


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

1. 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.
2. 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.
3. The lower one applies.

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