Convert your available credit limit into handy cash or transfer the outstanding balance from another credit card to your HSBC credit card account to reduce interest expenses. It allows you to repay your approved amount by 12-60 months instalment. Apply now to enjoy your financial flexibility.

  • Personalised handling fee1
  • 12-60 months repayment periods
  • Scheduled monthly repayment with fixed repayment amount and repayment period
  • Direct cash disbursement to your designated account

Latest offer 

Apply online to enjoy extra spending credit of up to HKD1,100. Terms and Conditions apply.

Example for Cash Instalment Plan

Assume withdrawing HKD100,000 with a monthly handling fee of 0.16% and repaying by 36 months, the daily handling fee is only HKD5.33* 
Monthly Instalment Principal
  Monthly Handling Fee
  Monthly Repayment Amount


(= HKD100,000 ÷ 36)


HKD160 (= HKD100,000 x 0.16%)


= HKD2,937.78

*Assume 30 calendar days per month, daily handling fee is only HKD5.33 ( = HKD100,000 x 0.16% ÷ 30). The annualised percentage rate is 3.73% (calculated based on 36 months repayment period)

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  1. The highest annualised percentage rate is 10.98% (calculated based on 12 months repayment period); 11.24% (calculated based on 24 months repayment period); 11.20% (calculated based on 36 months repayment period); 11.09% (calculated based on 48 months repayment period); 10.96% (calculated based on 60 months repayment period). The monthly handling fee and annualised percentage rate differ depending on individual customer eligibility. Please call our application hotline or log on to HSBC Personal Internet Banking to enquire your monthly handling fee and annualised percentage rate. The minimum withdrawal amount is HKD2,000 and the maximum withdrawal amount is 100% of the credit limit of the cardholder's designated HSBC credit card account.
  2. Please note that we do not appoint any third parties to refer Cash Instalment Plan applications to us and will not process any application that was referred by a third party under beneficial arrangement. For enquiry, please call our hotline at 2233 3000