Top of main content

HSBC Revolving Credit Facility

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]

Revolving credit for evolving needs

Our Revolving Credit Facility offers you the flexibility of unlimited withdrawals within the credit line and setting your own credit repayment schedule. You'll only pay interest on the credit you use, and the credit limit will be restored automatically after each repayment. 

  • Fast loan application approval and withdrawal
  • No fixed repayment period
  • Pay interest for only what you use

Your first 3 months

2.90% p.a.[@loans-introrate]



Limited time offer

  • First-year annual fee waiver[@loans-annualwaiver] and up to HKD200 cash rebate[@loans-applyonline] [@loans-submitsupport]
  • Successfully apply for a Revolving Credit Facility to enjoy an introductory rate of 2.90% p.a. (APR 2.92%[@loans-introrate]) for first 3 months.

A loan is just a few steps away

You can apply for a loan quickly and easily on the HSBC HK Mobile Banking app.

  1. Log on to HSBC HK App.
  2. Go to 'Home', scroll down and select 'Loans'.
  3. Select 'Revolving Credit Facility' and follow the instructions to complete your application.

Things you should know


To apply for an HSBC Revolving Credit Facility, you must:

  • be a Hong Kong resident
  • be at least 18 years old
  • have a monthly income of at least HKD5,000

Apply now

Via HSBC Online Banking

Log on to HSBC Online Banking to apply online.

Apply over the phone

Call us on our 24/7 application hotline to get started.

(852) 2748 8080

What you need to know before you borrow


Read about the 5 things you should think about or double-check before you apply for a loan

This link will open in a new window

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


Compare between these two types of personal loans and see which one suits your purposes better 

Find out more

You may also be interested in


Stay in control of your budget with fixed regular monthly repayments 


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


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 


    • Applications have to be submitted during the Bank's service hours (Monday to Friday: 9 am - 8 pm, Saturday: 9 am - 5 pm, Sunday and public holidays: 12 noon - 12 midnight, or individual branch's opening hours) with all required information (including without limitation a valid HSBC banking account number) and documents. The actual turnaround time starts when all the required information is successfully input into the Bank's application evaluation system and the Bank may provide the instant application result and fund disbursement. Processing time may vary in some cases depending on the actual circumstances of individual applications. 
    • The minimum monthly repayment amount will be calculated according to the formula set out in the Confirmation Letter. Should the Statement Date fall on a holiday, interest will be debited to the Facility Account on the last working date preceding the Statement Date. 
    • Once your loan application has been approved, the loan amount (which excludes any applicable annual service fees) will be credited directly to your designated HSBC account without prior notice. Interest will be calculated once the loan amount is credit to your designated account.
    • Please note that we do not appoint any third parties to refer Revolving Credit Facility 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!