Top of main content

Personal Overdraft

Borrow money with a low interest rate and a high credit line, so you have flexibility when you need it. Cash withdrawals are easy thanks to a revolving credit line.

It's easy to apply for a high credit line with a low interest rate to give you flexibility when you need it.

  • Benefit from HSBC's Best Lending Rate + 7% p.a.
  • You're granted a nominal annual fee of 1% of your credit limit, at a minimum of HKD200 and maximum of HKD700
  • Get maximum financial flexibility with no monthly payment to make
  • No interest charged on unused clean credit

Borrow up to


or 4 times your monthly salary, whichever is lower

  • You must be a permanent resident
    of Hong Kong
  • At least 18 years old
  • Have a monthly income of at least HKD10,000

(Previous year’s taxable income of at least HKD200,000 for self-employed customers)

Related products


Access to credit whenever you need it, with preferential interest rates for added flexibility. Just for HSBC Premier account holders.


Get extra spending power, together with increased flexibility in managing your money. Just for HSBC One account holders.


Enjoy extra credit whenever you need it most, and greater spending and investment power.


Get higher credit limits when you secure a credit line against your assets.

1. Prevailing overdraft interest rate and annual service fee apply. For details, please refer to Overdraft Fees & Charges.

2. Please note that we do not appoint any third parties to refer Personal Overdraft 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.