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Cash Instalment Plan / Cash Credit Plan

Convert your available credit limit into handy cash transfer the outstanding balance from other credit to your HSBC credit card account to reduce interest expenses. Cash Instalment Plan allows you to repay your approved amount by 12-60 months instalment while there is no fixed repayment period repayment amount for Cash Credit Plan. Apply now to enjoy your financial flexibility.

Benefits

Benefits

Plan 1 - Cash Instalment Plan

  • Personalised handling fee1
  • 12-60 months repayment periods
  • Scheduled monthly repayment with fixed repayment amount and repayment period
  • Direct cash disbursement to your designated account


Latest offer for Cash Instalment Plan:

Apply online to enjoy extra spending credit of up to HKD1,100. Terms and Conditions apply.

More about this offer

Apply online
Application Form
(852) 2233 3051 Application Hotline 2233 3051


Submit Supporting Documents Now

Assume withdrawing HKD100,000 with a monthly handling fee of 0.17% and repaying by 36 months, the daily handling fee is only HKD5.67*

Monthly Instalment Principal Monthly Handling Fee Monthly Repayment Amount
HKD2,777.78
( = HKD100,000 ÷ 36 )
+ HKD170
( = HKD100,000 x 0.17% )
= HKD2,947.78

*Assume 30 calendar days per month, daily handling fee is only HKD5.67 ( = HKD100,000 x 0.17% ÷ 30). The annualised percentage rate is 3.97% (calculated based on 36 months repayment period)

Plan 2 - Cash Credit Plan

  • Personalised preferential annual interest rate as low as 5.8%2
  • Flexible repayment amount as low as the minimum payment of credit card monthly statement
  • No fixed repayment amount and repayment schedule, allow you to enjoy your own pace
  • Direct cash disbursement to your designated account


Latest offer for Cash Credit Plan:

Apply now to enjoy 1 month interest rebate, without cap on rebate amount. Terms and Conditions apply.

More about this offer

RELATED PRODUCTS

Spending Instalment Plan

Get greater financial flexibility when you repay your credit card balance by instalments.

Personal Instalment Loans

Fixed monthly payments so you can plan accurately.

HSBC credit cards

Enjoy exclusive rewards and privileges when you shop, eat and travel with an HSBC credit card.

How to apply


HSBC Personal Internet Banking customers

Use your Dual Password or Security Device / Mobile Security Key to log on and apply





HSBC customers without registration for Personal Internet Banking
Apply online

 

Contact us

By phone:

Application Hotline
(852) 2233 3051(852) 2233 3051

HSBC Premier customers call
(852) 2233 3322(852) 2233 3322

HSBC Advance customers call
(852) 2748 8333(852) 2748 8333

Other customers call
(852) 2233 3000(852) 2233 3000





At an HSBC branch
Find your nearest branch
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@HSBC_HK


Frequently Asked Questions

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

Remarks Select to Expand Select to Collapse

1For Cash Instalment Plan, the highest annualised percentage rate is 10.98% (calculated based on 12 months repayment period); 11.24% (calculated based on 24 months repayment period); 11.20% (calculated based on 36 months repayment period); 11.09% (calculated based on 48 months repayment period); 10.96% (calculated based on 60 months repayment period). The monthly handling fee and annualised percentage rate differ depending on individual customer eligibility. Please call our application hotline or log on to HSBC Personal Internet Banking to enquire your monthly handling fee and annualised percentage rate. The minimum withdrawal amount is HKD2,000 and the maximum withdrawal amount is 100% of the credit limit of the cardholder's designated HSBC credit card account.

2 The annual interest rate is 5.8%,with the highest annualised percentage rate of 5.96%.

Preferential Annual Interest Rate as low as 5.8% for Cash Credit Plan (equivalent to Annualized Percentage Rate is 5.96%.) Please call our sales hotline for your personalized Preferential Annual Interest Rate.

The annualised percentage rate (“APR”) is calculated using method specified in relevant guidelines issued by The Hong Kong Association 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.

Please note that we do not appoint any third parties to refer Cash Instalment Plan or Cash Credit Plan 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.