Top of main content
Image of mobile phone with screen showing woman on live video stream; image used for HSBC Personal Instalment Loan offer

HSBC loans

Apply online for a monthly flat rate as low as 0.13% (APR 2.92%) and get up to HKD200 cash rebate.

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

Loans available

Daughter on the live video; image used for HSBC Personal Instalment Loan offer

Fixed, regular monthly payments allow you to set a solid budget plan. 

  • Fast approval and cash withdrawal within 1 minute1
  • Borrow up to HKD1,500,000 or 12 times your monthly salary, whichever is lower
  • As low as 0.13% monthly flat rate (APR as low as 2.92%)2
  • Apply online and submit supporting document(s) to enjoy up to HKD200 cash rebate3

Re-borrow up to 100% of the repaid principal from your existing loan, without having to reapply.

  • Immediate disbursement4 of redraw amount to your HSBC account
  • Withdrawing cash from over 1,000 HSBC ATMs
  • Unlimited redraws from repaid principal5
A man is doing stock take; image used for Personal Instalment Loan Redraw.
A girl is showing a painting named "get well soon"; image used for 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 – See how it works
  • No fixed repayment period, may choose to repay monthly minimum payment6
  • Apply online and submit supporting document(s) to enjoy up to HKD200 cash rebate7,8

Consolidate all your outstanding credit card and loan balances into a single HSBC loan account for easier financial management. 

  • 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  the monthly repayment amount
  • Personalised interest rate to reduce your interest expenses  - See how it works
Father and son are playing Go; image used for Personal Instalment Loan Balance Consolidation Program.

Smart tips on loans

Five plants are growing; image used for loans product.

Now you know what we have for you, but do you know how to choose the best personal loan for your needs? Read our tips to find the loan scheme most suits you.

Loan resources and services

Desk with coins and calculator; image used for loans product.
 
This link will open in a new window

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

Three people are talking together; image used for loans product.
 
This link will open in a new window

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

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.

 

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

 

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!

Remarks

  1. 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.
  2. Only applicable to customers who successfully apply for and drawdown the loan during the promotional period with an approved loan amount of HKD800,000 or above. Monthly flat rate is 0.13% and Annualised Percentage Rate (APR) is 2.92% 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.
  3. To be eligible for HKD100 cash rebate under the Online Exclusive Offer for Personal Instalment Loan, an Eligible Customer must submit a Personal Instalment 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.
  4. Processing time may vary in some cases depending on the actual circumstances of individual applications.
  5. 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.
  6. The minimum monthly repayment amount will be calculated according to the formula set out in the Confirmation Letter.
  7. 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.
  8. 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.
  9. 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 (852)2233 3000.