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Spending Instalment Plan

Unlock better budgeting – turn your credit card transactions or statement balance into 6 to 60 monthly instalments.

Give yourself some flexibility with your spending

Need to turn your spending into instalments you can repay over a longer period? Our Spending Instalment Plan lets you convert multiple credit card transactions into instalments you can repay over 6 to 60 months. 

  • Make repayments flexibly over 6 to 60 months
  • Combine multiple credit card transactions into a single instalment plan[@cards-promotionofspendinginstalment]
  • See your application status instantly[@usinghshcappapply], along with your monthly repayments and daily average handling fees

Monthly handling fee

As low as

0.18%[@cards-spendingmonthlyhandlingfee]

Apple Store 100% handling fee rebate and more

- 100% handling fee rebate for splitting your Apple Store purchase: pay with your HSBC credit card via Apple Pay at Apple Store, Apple Store Online or Apple Store App, and successfully apply for a 6-month Spending Instalment Plan for a single Eligible Transaction, to enjoy 100% handling fee rebate. Offer ends 14 Nov 2024. T&Cs apply.

 

- 0% handling fee for splitting your overseas spends: as a Travel Guru Member, spend at least HKD1,000 on a single transaction at overseas physical stores with your Eligible Credit Card, and successfully apply for a 6-month Spending Instalment Plan, to enjoy 0% handling fee. Offer ends 31 Dec 2024. T&Cs apply.

Apply via the HSBC HK App, the Reward+ app or by phone

Apply in just a few minutes on the HSBC HK App

See how you can apply for a Spending Instalment Plan on the HSBC HK Mobile Banking app and get approved instantly[@usinghshcappapply].

Apply now

Via HSBC HK App

If you have the HSBC HK App installed on your device and have set up mobile banking, you can complete your application in the app.

Via the Reward+ app

Learn how to apply via the Reward+ app and get approved instantly[@usinghshcappapply].

By phone

Call us on our 24/7 application hotline to get started. (852) 2233 3052

Scan the QR code to open the HSBC HK App

Find out more

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Important information

To borrow or not to borrow? Borrow only if you can repay! T&Cs apply.