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Spending Instalment Plan

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



  • Combine multiple transactions into one instalment plan1
  • Minimum instalment amount: HKD1,0001
  • Flexible repayment period: 6, 12, 18, 24 months
  • No document required
  • 3 steps online application
  • Personalized handling fee2 and annual percentage rate3


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 5.18% (calculated based on 12 months repayment period)

How to apply

Apply for Spending Instalment Plan

Apply online in 3 steps
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

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

Frequently Asked Questions

Remarks Select to Expand Select to Collapse

1Each application can consist of a combination of multiple purchase transactions (amount of each application must be HKD1,000 or above).
2The 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 handling fee and annualised percentage rate differs depending on individual customer eligibility. The handling fee rate offered to a  cardholder or additional cardholder under different card accounts or primary card accounts may not be the same. Please call us on (852) 2233 3052 to enquire your handling fee and annualised percentage rate. 
3The 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 Spending 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.