Top of main content

Spending Instalment Plan

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



  • Choose from repayment periods of 6 months, 12 months, 18 months or 24 months
  • Get a personalised monthly handling fee1. To find out yours and see your annualised percentage rate2, call (852) 2233 3052
  • Apply easily online or through the application hotline – no supporting documents are required
  • Combine multiple transactions3 into one instalment plan for added flexibility


Assume repaying a credit card transaction of HKD15,000 by 12 months with a monthly handling fee of 0.23%, daily handling fee is only HKD1.15*

Monthly Instalment Principal Monthly Handling Fee Monthly Repayment Amount
( = HKD15,000 ÷ 12 )
+ HKD34.50
( = HKD15,000 x 0.23% )
= HKD1,284.50

*Assume 30 calendar days per month, daily handling fee is only HKD1.15 (= HKD15,000 x 0.23% ÷ 30). The annualised percentage rate
is 6.04% (calculated based on 12 months repayment period)

How to apply

Apply for Spending Instalment Plan

Apply Online
By Phone

Call our customer service officer-assisted application hotline
(852) 2233 3052

Cash Instalment Plan

Extra cash and financial flexibility to realise your personal goals. Convert your available credit limit into instant cash or transfer the outstanding balance from other credit cards to your HSBC credit card account.

Loans Services

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.

Contact us

Application Hotlines

Customer service officer-assisted application hotline
(852) 2233 3052(852) 2233 3052

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


Frequently Asked Questions

Remarks Select to Expand Select to Collapse

1 Each application can consist of a combination of multiple purchase transactions (amount of each application must be HKD1,000 or above). The purchase transactions of a primary card account cannot be combined with that of an additional card account for the purpose of application.
2 The highest annualised percentage rate is 7.40% (calculated based on 6 months repayment period); 7.94% (calculated based on 12 months repayment period); 8.10% (calculated based on 18 months repayment period); 8.16% (calculated based on 24 months repayment period). Annualised percentage rate may be changed subject to the latest offer. The monthly handling fee and annualised percentage rate differs depending on individual customer eligibility. Please call us on (852) 2233 3052 to enquire your monthly handling fee and annualised percentage rate.
3 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.