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Cash Instalment Plan / Cash Credit Plan

Convert your available credit limit into instant cash according to your financial needs.

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. Cash Instalment Plan allows you to repay your approved amount by 12-60 months instalment while there is no fixed repayment period or repayment amount for Cash Credit Plan. Apply now to enjoy your financial flexibility.

Cash Instalment Plan

  • 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.

Apply now

Application Hotline 2233 3051

Example for Cash Instalment Plan

Assume withdrawing HKD100,000 with a monthly handling fee of 0.19% and repaying by 36 months, the daily handling fee is only HKD6.33* 
Monthly Instalment Principal
  Monthly Handling Fee
  Monthly Repayment Amount

HKD2,777.78

(= HKD100,000 ÷ 36)

+

HKD190 (= HKD100,000 x 0.19%)

 

= HKD2,967.78

*Assume 30 calendar days per month, daily handling fee is only HKD6.33 ( = HKD100,000 x 0.19% ÷ 30). The annualised percentage rate is 4.43% (calculated based on 36 months repayment period)

Related products

 

Get greater financial flexibility when you repay your credit card balance by instalments.

 

Fixed monthly payments so you can plan accurately.

 

Enjoy exclusive rewards and privileges when you shop, eat and travel with an HSBC credit card.

To borrow or not to borrow? Borrow only if you can repay!

Remarks

  1. The highest annualised percentage rate is 12.88% (calculated based on 12 months repayment period); 13.14% (calculated based on 24 months repayment period); 13.06% (calculated based on 36 months repayment period); 12.91% (calculated based on 48 months repayment period); 12.73% (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. The interest rate and annualised percentage rate differ depending on individual customer eligibility. Please call our hotline for the interest rate and the annualised percentage rate applicable to you. By applying for this Cash Credit Plan regardless of the application approval result, the cardholder is deemed to have agreed that HSBC may increase the credit limit of the cardholder’s designated HSBC credit card account subject to the requested amount. HSBC will notify the cardholder of the application approval result of this plan and credit limit adjustment (if applicable) by mail. HSBC has the final decision on the final approved withdrawal amount and the credit limit adjustment of the cardholder’s designated HSBC credit card account.
  3. Please note that we do not appoint any third parties to refer Cash Instalment Plan or Cash Credit 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.