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Spending Instalment Plan

Get greater financial flexibility when you repay your credit card balance by instalments.
  • Combine current credit card statement or unbilled purchase transactions into one instalment plan respectively1
  • Minimum instalment amount of HKD1,0001
  • Flexible repayment period of 6-60 months
  • 3 steps online application

Latest offer

  • Monthly handling fee as low as 0.18%2
  • 3 month handling fee rebate3 for instalment plan made for transactions of designated merchants


Assume repaying a credit card transaction of HKD50,000 by 60 months with a monthly handling fee of 0.18%, daily handling fee is only HKD3.00*


Monthly instalment principal   Monthly handling fee   Monthly repayment amount


( = HKD50,000 ÷ 60 )


( = HKD50,000 x 0.18%)


*Assume 30 calendar days per month, daily handling fee is only HKD3.00 (= HKD50,000 x 0.18% ÷ 30). The annualised percentage rate is 4.19% (calculated based on 60 months repayment period)

Related products


Extra cash and financial flexibility to realise your personal goals. Convert your available credit limit into instant cash or transfer the outstanding balance from other credit cards to your HSBC credit card account.


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!


  1. The promotional period is from 31 July 2018 to 31 January 2019. The Spending Instalment Plan is only applicable to posted purchase transactions billed on the current statement and unbilled purchase transactions during the promotional period i.e. previous purchase transactions are not eligible to be settled under the Spending Instalment Plan. Other transactions, including but without limitation, cash advances, instalment plans, Octopus AAVS, all fees and charges, withdrawal amount under the Cash Instalment Plan, casino transactions, purchase and/or reload of stored value cards or e-Wallets, transaction at non-financial institutions (including purchase of foreign currency, money orders and travellers cheques), transaction at financial institutions (including purchase of merchandise and services from banks), wire transfer will not quality. Cardholder must apply for Spending Instalment Plan at least 5 working days before the payment due date of the relevant purchase. 
  2. It is applicable for instalment amount of HKD50,000 or above. The highest annualised percentage rate is 3.76% (calculated based on 6 months repayment period); 4.04% (calculated based on 12 months repayment period); 4.13% (calculated based on 18 months repayment period); 4.17% (calculated based on 24 months repayment period) ; 4.19% (calculated based on 30 months repayment period) ; 4.20% (calculated based on 36 months repayment period) ; 4.20% (calculated based on 42 months repayment period) ; 4.20% (calculated based on 48 months repayment period) ; 4.20% (calculated based on 54 months repayment period) ; 4.19% (calculated based on 60 months repayment period). The handling fee and annualised percentage rate differ depending on individual customer eligibility. The handling fee rate offered to a cardholder or additional cardholder under different card accounts or primary card accounts may not be the same. Please call us on 2233 3052 to enquire your handling fee and annualised percentage rate. The annualised percentage rate ("APR") is calculated using method specified in relevant guidelines issued by The Hong Kong Association of Banks, and is rounded up or down to the nearest two decimal places. An APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate. As an illustration, total repayment amount is HKD51,080 based on HKD50,000 instalment amount and 12 months instalment plan. 
  3. To be eligible for 3-month Handling Fee Rebate Offer, an Eligible Cardholder must have successfully applied for the Spending Instalment Plan for transactions made at designated merchants ("Designated Merchants") during 1 February 2018 – 31 January 2019 (both dates inclusive). Each Eligible Cardholder will be entitled to the 3-month Handling Fee Rebate once only during each of the period of 1 February 2018 – 31 May 2018, 1 June 2018 – 30 September 2018 and 1 October 2018 – 31 January 2019. Designated Merchants include MediFast (Hong Kong ) Ltd., The One Ophthalmology & Optometry Centre, Mobile Medical & Health Check Centre Ltd., Vio & Partners, Harmonic Health Medical Centre, Shiny Health Medical Services, UMP Medical Centre, Hong Kong Health Check and Medical Diagnostic Centre, Haven of Hope Christian Service, St. Paul's Hospital and Evangel Hospital.
  4. Please note that we will bill each monthly Repayment Amount of Spending Instalment Plan to your Card Account on a monthly basis as a purchase transaction and show it on your Card statement.  You need to be aware that only 1% of the monthly instalment principal amount plus full monthly handling fee of Spending Instalment Plan will be included in the minimum payment due.  If you fail to pay the statement balance of your monthly Card statement in full, or if you only pay the minimum payment due on or before the due date of that statement, we will charge on the outstanding statement balance a finance charge at the interest rate applicable to credit card as specified in the "Tariff Guide". 
  5. Please note that we do not appoint any third parties to refer Spending 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.