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Personal Instalment Loan Redraw

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

Reborrow repaid principal from your existing loans any time

Borrow up to 100% of the principal, from what you've repaid on your existing loan, without having to reapply. Access cash immediately[@loans-processingtime] and select a new repayment period of up to 5 years.

Limited-time offer: $0 handling fee

From now until 4 June 2024, redraw HKD3,000 or above of your repaid loan principal to enjoy a handling fee waiver. Terms and conditions apply.

Key benefits

Redraw quickly and easily

We'll release funds into your account as soon as you redraw on your loan[@loans-processingtime], and you can redraw at over 1,000 HSBC ATMs.

Meet your financial needs as they arise[@loans-minimumredraw]

Comfortably redraw money from your repaid principal and pay back over a period of up to 60 months.

Consolidate for easier management

Combine your outstanding balance and redrawn loan into a single account to manage your loans with ease.

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Things you should know

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 online banking

If you're already registered for HSBC Online Banking, simply log on to get started. We've pre-filled some details for you to make your application process easier.

Apply by phone

Call us on our 24/7 application hotline to get started. (852) 2748 8080

Scan the QR code to open the HSBC HK App

Frequently asked questions (FAQs)

Related products


Stay in control of your budget with fixed regular monthly repayments 


Spare cash you can withdraw at any time, on your own schedule at 2.90% p.a. for your first 3 months, and at 2.92% APR[@loans-introrate] 


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 


    • Please note that we do not appoint any third parties to refer Personal Instalment Loan Redraw applications to us and will not process any application that was referred by a third party under beneficial arrangement. For enquiry, please call our hotline at (852)2233 3000
    • To borrow or not to borrow? Borrow only if you can repay!