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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


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


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.