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Cash Instalment Plan

Convert your available credit limit into instant cash or transfer the outstanding balance from other credit cards to your HSBC credit card account with Cash Instalment Plan.

Benefits

Benefits

  • Choose from repayment periods of up to 60 months
  • Get a personalised monthly handling fee 1. Please call (852) 2233 3051 or log on to Personal Internet Banking to find out what yours would be
  • Apply online or by phone - no supporting documents are needed2
  • Direct cash disbursement to your designated account


Apply online to enjoy extra spending credit of up to HKD300


Example

Assume withdrawing HKD100,000 with a monthly handling fee of 0.15% and repaying by 36 months, the daily handling fee is only HKD5*

Monthly Instalment Principal Monthly Handling Fee Monthly Repayment Amount
HKD2,777.78
( = HKD100,000 ÷ 36 )
+ HKD150
( = HKD100,000 x 0.15% )
= HKD2,927.78

*Assume 30 calendar days per month, daily handling fee is only HKD5 ( = HKD100,000 x 0.15% ÷ 30). The annualised percentage rate is 3.50% (calculated based on 36 months repayment period)


How to apply


HSBC Personal Internet Banking customers

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

Log on

HSBC customers without registration for Personal Internet Banking

Apply online
By Phone

Call our customer service officer-assisted application hotline
(852) 2233 3051

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

Application Hotlines:

5-minute approval hotline3,4
(852) 2233 3051(852) 2233 3051

For Enquiries:

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
Tweet us

@HSBC_HK


Frequently Asked Questions

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

Remarks Select to Expand Select to Collapse

1 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 Only applicable to applications of transferring the withdrawal amount from HSBC credit card account to cardholder's designated HSBC personal bank account, no document is required. You will need a Security Device / Mobile Security Key, if you apply through HSBC Personal Internet Banking.

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 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.