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.
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
Eligibility
To be eligible for HSBC Personal Instalment Loan Redraw, you must:
- be a Hong Kong resident
- be at least 18 years old
- have a monthly income of at least HKD5,000
- have a Personal Instalment Loan for at least three months
Apply now
Via HSBC HK App
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)
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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]
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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