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A man is using his laptop; image used for HSBC One Clean Credit

HSBC One Clean Credit

Designed for HSBC One customers. Get extra money when you need it, giving you extra spending power together with increased flexibility in managing your money if the unexpected happens.

Obtain the extra cash you want, whenever you need it most, with the HSBC One Clean Credit, and enjoy the financial freedom of increased spending and investing power.

  • Benefit from HSBC's Best Lending Rate + 5% p.a.
  • Repay as little as 5% on the outstanding debit balance, or HKD100, whichever is higher
  • No interest charged on unused clean credit
  • Borrow up to HKD800,000 or 4 times your monthly basic 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 HKD5,000

Related products


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


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


Borrow money with a low interest rate and a high credit line, so you have flexibility when you need it.


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

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

2 Please note that we do not appoint any third parties to refer Clean Credit 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.