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Personal Instalment Loan

Fixed,regular monthly payments allow you to budget accurately.
  • Fast approval and cash withdrawal within 1 minute1
  • Borrow up to HKD1,500,000 or 12 times your monthly salary, whichever is lower
  • Flexible repayment period up to 60 months
  • Redraw the amount you've repaid again in future without needing to reapply2
  • As low as 0.13% monthly flat rate (APR as low as 2.92%)3
  • Submit supporting document(s) to enjoy up to HK$100 cash rebate4
  • Apply online can get maximum cash rebate of up to HK$5004
  • You must be a Hong Kong resident
  • You must be at least 18 years old
  • You must have a monthly income of at least HKD5,000

Loan resources and services

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

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


Discover tips on how to borrow wisely. 

Related products


Redraw against your loan without having to reapply.


Only pay interest on the credit you use rather than a fixed monthly payment.


Clear your debts faster using the Personal Instalment Loan Balance Consolidation Program.


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.

To borrow or not to borrow? Borrow only if you can repay!


  1. Applications have to be submitted during the Bank's service hours (Mon-Fri 9am-10pm, Sat 9am-6pm, except public holidays, or individual branch's opening hours) with all required information (including without limitation a valid HSBC banking account number) and documents. Actual turnaround time starts when all the required information is successfully input into the Bank's application evaluation system. Processing time may vary in some cases depending on the actual circumstances of individual applications.
  2. Minimum redraw 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.
  3. Only applicable to customers who successfully apply for and drawdown the loan during the promotional period with an approved loan amount of HK$800,000 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.
  4. To be eligible for up to HK$500 cash rebate under the Online Exclusive Offer for personal instalment loan, an Eligible Customer must submit a personal instalment loan application via HSBC website or HSBC Personal Internet Banking and the loan must be approved during the Promotional Period. An Eligible Customer is entitled to HK$100 cash rebate for approved loan amount of HK$50,000 to less than HK$200,000, or is entitled to HK$200 cash rebate for approved loan amount of HK$200,000 to less than HK$500,000, or is entitled to HK$500 cash rebate for approved loan amount of HK$500,000 or above. To be eligible for HK$100 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 HK$50,000 or above must be approved during the Promotional Period.
  5. Please note that we do not appoint any third parties to refer Personal Instalment Loan 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 2233 3000.