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
Download a form to apply
EligibilityExpanded, press enter to collapse Collapsed, press enter to expand
- 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)
HSBC Premier Clean Credit
Access to credit whenever you need it, with preferential interest rates for added flexibility. Just for HSBC Premier account holders.
HSBC Advance Clean Credit
Get extra spending power, together with increased flexibility in managing your money. Just for HSBC Advance account holders.
Personal Integrated Account1 Clean Credit
Enjoy extra credit whenever you need it most, and greater spending and investment power.
To borrow or not to borrow? Borrow only if you can repay!
RemarkExpanded, press enter to collapse Collapsed, press enter to expand
1. "Personal Integrated Account" is also named as 'SmartVantage'; Personal Integrated Account and SmartVantage are used interchangeably in customer communications including account statement, bank forms / advices, Personal Internet Banking platform etc.
2. Prevailing overdraft interest rate and annual service fee apply. For details, please refer to Overdraft Fees & Charges.
3. 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.