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Loans

Lending to help you reach your financial goals and make the most of life.

Stay in control of your budget with fixed regular monthly repayments.

 

Get a Personal Instalment Loan now to enjoy an APR as low as 2.25%[@loans-lowannualisedrateoffer] and up to HKD5,300 in cash rebate[@loans-cashrebateeligibility]. Terms and conditions apply. 

Submit supporting documents for your personal loan application online

Types of loans

Consolidate your other loans and credit card balances into a high loan amount of up to 21 times your monthly salary or HKD1.2 million (whichever is lower) without any handling fees

 

Enjoy a preferential rate by consolidating your other loans and credit cards balances now

Spare cash you can withdraw at any time, on your own schedule at 1.90% p.a. for your first 3 months, and at 1.91% APR[@loans-introrate]

Borrow a part of or up to all of the principal from what you’ve repaid on your existing loan, without having to reapply

 

Redraw at over 1,000 HSBC ATMs, and pay back over a period of up to 60 months

Prepare for the next tax season with our low-interest instalment loans

A government loan to help you out if you're unemployed during these tough times

 

Enjoy a 18-month principal repayment holiday and a full rebate on interest paid

Enjoy preferential financing rates as you pay off your electric vehicle

What to know before you borrow

Read and find out what you should consider before you apply for a loan
Learn the differences between a tax loan and an instalment loan to see which one fits your purposes better
Read about the 5 things you should think about or double-check before you apply for a loan
Be careful and watch out for these 6 things before you apply for a loan
Sending your child to study abroad requires lots of preparations and maybe even a personal loan. Let's look at them
Learn how a tax loan differs from a personal loan, and what to look out for before you take out a tax loan

Need help?

Find the application and servicing forms you need to take out a loan, and the terms and conditions for the loan
Find your nearest HSBC ATM, Express Banking facility, or branch with counter service
Get answers to frequently asked questions about loans
Find a suitable lending product to match with your specific needs by answering a few simple questions

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