Reborrow repaid principal from your existing loans any time
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.
Starting your own business successfully
See what you need to consider and plan for in order to start up a successful business
Tax loans vs. instalment loans
Compare between these two types of personal loans and see which one suits your purposes better
What to consider before getting a loan
Read about the 5 things you should think about or double-check before you apply for a loan
Things you should know
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
Via HSBC Online Banking
Apply over the phone
Don't have HSBC Online Banking?
Already applied? Upload documents now
Frequently asked questions (FAQs)
How much should I borrow?
How long should I borrow for?
Why do I receive SMS / email asking me to call back for my loan application?
HSBC Revolving Credit Facility
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]
HSBC Personal Instalment Loan Balance Consolidation Program
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
- 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!