Loans
Lending to help you reach your financial goals and make the most of life.
Why wait in this once-a-year opportunity?
- Up to $13,888 rewards[@loans-hkd13888-rebate-offer] – Get a Personal Instalment Loan now to enjoy an APR as low as 1.68%[@loans-lowannualisedrateoffer] , with up to HK$8,888 cash rebate and $5,000 RewardCash. Terms and conditions apply.
- Extra HK$288 in cash rebate when you draw down a Personal Instalment Loan or Personal Tax Loan during the promotional period, and accumulate the designated FX transactions. Terms and conditions apply.
- Extra $288 in RewardCash when you draw down a Personal Instalment Loan or Personal Tax Loan during the promotional period, and apply for an eligible personal primary HSBC credit card. Terms and conditions apply.
Types of loans
Consolidate your other loans and credit card balances into a high loan amount of up to 23 times your monthly salary or HKD3 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.[@loans-introrate] 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 2023 / 2024 tax season with our low-interest instalment loans
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
Read about the 5 things you should think about or double-check 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
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 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!