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HSBC Loans

Get a monthly flat rate as low as 0.08% (APR 1.80%) and up to HKD200 cash rebate to apply online and submit documents.

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

Loans available

Personal Tax Loan
Prepare for the next tax season with HSBC’s Personal Tax Loan. Our tax loan lets you enjoy preferential interest rate and fast approval to withdraw cash easily.
  • Fast approval and cash withdrawal within 1 minute2 
  • Borrow up to HKD3,000,000 or 12 times your monthly salary, whichever is lower
  • No income proof and Tax Demand Note required if you maintain an auto payroll account with HSBC for the last one month
  • If your income is irregular (for example because you work part-time, on commission or on a profit-sharing basis), no income proof is required if you maintain an auto payroll account with HSBC for at least the past 3 month
  • As low as 0.08% monthly flat rate (APR as low as 1.80%)3
  • HKD0 handling fee
  • Up to HKD200 cash rebate for online application and submit supporting document(s)4

    More about this offer

Personal Instalment Loan

Fixed, regular monthly payments allow you to budget accurately. Redraw the repaid principal on your existing loan at any time, without re-applying1.
  • Fast approval and cash withdrawal within 1 minute2
  • Borrow up to HKD3,000,000 or 12 times your monthly salary, whichever is lower
  • Flexible repayment period up to 60 months
  • As low as 0.08% monthly flat rate (APR as low as 1.80%)3
  • Submit supporting document(s) to enjoy HKD100 cash rebate4 
  • Apply online can get maximum cash rebate of up to HKD1004

    More about this offer

Personal Instalment Loan Redraw

Re-borrow up to 100% of the repaid principal from your existing loan, without having to reapply.
  • The redrawn amount will be immediately disbursed5 to your HSBC account to give you instant access to cash
  • Enjoy the convenience of withdrawing cash from over 1,000 HSBC ATMs
  • No restriction on the number of times you can redraw6
  • Choose a longer repayment period (up to 60 months) for extra flexibility
Revolving Credit Facility
Set your own credit repayment schedule and amount for ultimate flexibility.
  • High loan amount of up to HKD1,200,000 or 10 times your monthly salary, whichever is lower
  • Interest charged daily on the amount you use only – Illustrative example.
  • Withdraw cash in the revolving credit line anytime to deal with sudden cash need
  • No fixed repayment period, may choose to repay monthly minimum payment7
Personal Instalment Loan Balance Consolidation Program
Consolidate all your outstanding credit card and loan balances into a single HSBC loan account for easier financial management. You can also enjoy saving on interest expense with personalised interest rate.
  • Extra-high loan amount of up to 21 times your monthly salary or HKD1,200,000 (whichever is lower)
  • Extra-long repayment period of up to 72 months to reduce your monthly repayment amount
  • Personalised interest rate based on your individual circumstances

See a Repayment example of the Personal Instalment Loan Balance Consolidation Program

Loan resources and services

Submit supporting documents for personal loans applications

 
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Which HSBC lending solution is your right match?

 
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Find a suitable loan product to match with your specific needs by answering a few simple questions.

How to borrow money wisely

 
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Know what to consider before you borrow money, and understand the risks involved.

A comparison of HSBC Tax Loan with Instalment Loan

 
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Discover tips on how to borrow wisely. 

Related products

Cash Instalment Plan

 

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.

Spending Instalment Plan

 

Settle your HSBC credit card spending in easy monthly instalments with the Spending Instalment Plan.

Overdrafts

 

A ready credit facility offering extra cash whenever you need it, and for whatever reason. An HSBC overdraft can give you financial flexibility when you need it most.

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

By phone

(852) 2748 8080

Application hotline

Important information

Download application forms
Terms & Conditions This link will open in a new window
Fees & Charges
What is “Rule of 78”?
Do I save interest expenses by making early repayment of personal instalment loan?

Remarks

  1. Minimum redraw amount is HKD3,000 and you must have had a Personal Instalment Loan account for at least 3 months. The Bank reserves the final right of allowing customers to redraw or not and has sole discretion to determine the redrawn amount and tenor.
  2. Applications have to be submitted during the Bank’s service hours (Monday to Friday: 9 am - 8 pm, Saturday: 9 am - 5 pm, Sunday and public holidays: 12 noon - 12 midnight, or individual branch’s opening hours) with all required information (including without limitation a valid HSBC banking account number) and documents. The actual turnaround time starts when all the required information is successfully input into the Bank’s application evaluation system and the Bank may provide the instant application result and fund disbursement. Processing time may vary in some cases depending on the actual circumstances of individual applications.
  3. Only applicable to customers who successfully apply for and drawdown the loan during the promotional period with an approved loan amount of HKD1,500,000 or above. Monthly flat rate is 0.08% and Annualised Percentage Rate (APR) is 1.80% for a repayment period of 12 months. The APR is calculated using method specified in relevant guidelines issued by the Hong Kong Associations 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.
  4. To be eligible for HKD100 cash rebate under the Online Exclusive Offer for Personal Instalment Loan or Personal Tax Loan, an Eligible Customer must submit a Personal Instalment Loan application or Personal Tax Loan application via HSBC website www.hsbc.com.hk or HSBC Personal Internet Banking and the loan of HKD100,000 or above must be approved during the Promotional Period. To be eligible for HKD100 cash rebate under the Document Submission Offer, an Eligible Customer must submit supporting document(s) required by the Bank for a Loan application and the Loan of HKD100,000 or above must be approved during the Promotional Period.
  5. Processing time may vary in some cases depending on the actual circumstances of individual applications.
  6. Minimum redraw amount is HKD3,000 and you must have had a Personal Instalment Loan account for at least 3 months. The Bank reserves the final right of  allowing customers to redraw or not and has sole discretion to determine the redrawn amount and tenor.
  7. The minimum monthly repayment amount will be calculated according to the formula set out in the Confirmation Letter.
  8. Apply online to enjoy HKD100 cash rebate: To be eligible for HKD100 cash rebate, a customer must successfully apply for an draw down the loan with an     amount  of HKD100,000 or above via HSBC website www.hsbc.com.hk or HSBC Personal Internet Banking. Terms & Condition apply. 
  9. Submit supporting document(s) required by the Bank for the loan application to enjoy HKD100 cash rebate : To be eligible for HKD100 cash rebate, a customer must successfully submit supporting document(s) required by the Bank for the loan application during the Promotional Period with an approved loan amount of HKD100,000 or above. Terms & Condition apply.
  10. Please note that we do not appoint any third parties to refer loan applications to us and will not process any loan application that was referred by a third party  under beneficial arrangement. For enquiry, please call our hotline at 2233 3000.