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Personal Instalment Loan Offer

Enjoy monthly flat rate as low as 0.09% (APR 2.02%) and up to HK$200 cash rebate


Apply nowabout Personal Instalment Loan Offer

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Personal Tax Loan Offer

Enjoy monthly flat rate as low as 0.09% (APR 2.02%) and up to HK$200 cash rebate


Apply nowabout Personal Instalment Loan Offer

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Personal Instalment Loan Redraw

Redraw online to enjoy handy extra cash


Apply now

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Revolving Credit Facility Offer

Enjoy first 3 months' introductory rate 1.9% p.a and HK$200 cash rebate


Apply nowabout Personal Instalment Loan Offer

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Balance Consolidation Program

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Cash Instalment Plan

Cash in your credit online and enjoy up to HK$550 spending credit


Apply now

You can enjoy extra cash anytime and will realize paying tax can be effortless and fulfilling your plans can be easy.

Personal Tax Loan

You can enjoy extra cash anytime and will realize paying tax can be effortless and fulfilling your plans can be easy.

Find out more
  • Simple and convenient application, income proof and Tax Demand Note may not be required
  • Fast approval and cash withdrawal within 5 minutes1
  • Borrow up to HKD3,000,000 or 10 times your monthly salary, whichever is lower

1 Applications have to be submitted during the Bank's service hours (Mon-Fri 9am-10pm, Sat 9am-6pm, except public holidays, or individual branch's opening hours) with all required information (including without limitation a valid HSBC banking account number) and documents. Actual turnaround time starts when all the required information is successfully input into the Bank's application evaluation system. Processing time may vary in some cases depending on the actual circumstances of individual applications.

2 To be eligible for HK$150 cash rebate under the Online Exclusive Offer, an Eligible Customer must successfully apply for and draw down the Loan with an amount of HK$5,000 or above via HSBC website www.hsbc.com.hk, HSBC Personal Internet Banking or HSBC Mobile Banking (each of these channels is referred to as the “Online Channel”) during the Promotional Period. If such Eligible Customer has not taken up any HSBC’s personal loan product via the Online Channel during the period between 1 March 2016 and 30 September 2016 (both dates inclusive), he/she is entitled to an extra HK$50 cash rebate under the Online Exclusive Offer. Terms & Conditions apply.

3 To be eligible for HK$500 cash rebate under the Payroll Offer, an Eligible Customer must successfully apply for and draw down the Loan with an amount of HK100,000 or above and set up a monthly auto payroll service with the Bank during the Promotional Period. An Eligible Customer must successfully have his/her monthly payroll automatically deposited to HSBC’s bank account for a consecutive 3-month period, with the first deposit made and received by the Bank on or before 14 March 2017. An Eligible Customer will not be eligible for the Payroll Offer if he/she has auto payroll records with the Bank during the period between 1 March 2016 and 30 September 2016 (both dates inclusive). Terms & Conditions apply.

Fixed, regular monthly payments allow you to budget accurately. Redraw the repaid principal on your existing loan at any time, without re-applying4.

Personal Instalment Loan

Fixed, regular monthly payments allow you to budget accurately. Redraw the repaid principal on your existing loan at any time, without re-applying4.

Find out more about Personal Instalment Loan
  • Fast approval and cash withdrawal within 5 minutes5
  • Borrow up to HKD3,000,000 or 12 times your monthly salary, whichever is lower
  • Flexible repayment period up to 60 months

4 Minimum redraw amount is HKD3,000 and you must have had a Personal Instalment Loan account for at least 3 months. The Bank reserves the final right of allowing customers to redraw or not and has sole discretion to determine the redrawn amount and tenor.

5 Applications have to be submitted during the Bank's service hours (Mon-Fri 9am-10pm, Sat 9am-6pm, except public holidays, or individual branch's opening hours) with all required information (including without limitation a valid HSBC banking account number) and documents. Actual turnaround time starts when all the required information is successfully input into the Bank's application evaluation system. Processing time may vary in some cases depending on the actual circumstances of individual applications.

6 To be eligible for HK$150 cash rebate under the Online Exclusive Offer, an Eligible Customer must successfully apply for and draw down the Loan with an amount of HK$5,000 or above via HSBC website www.hsbc.com.hk, HSBC Personal Internet Banking or HSBC Mobile Banking (each of these channels is referred to as the “Online Channel”) during the Promotional Period. If such Eligible Customer has not taken up any HSBC’s personal loan product via the Online Channel during the period between 1 March 2016 and 30 September 2016 (both dates inclusive), he/she is entitled to an extra HK$50 cash rebate under the Online Exclusive Offer. Terms & Conditions apply.

7 To be eligible for HK$500 cash rebate under the Payroll Offer, an Eligible Customer must successfully apply for and draw down the Loan with an amount of HK100,000 or above and set up a monthly auto payroll service with the Bank during the Promotional Period. An Eligible Customer must successfully have his/her monthly payroll automatically deposited to HSBC’s bank account for a consecutive 3-month period, with the first deposit made and received by the Bank on or before 14 March 2017. An Eligible Customer will not be eligible for the Payroll Offer if he/she has auto payroll records with the Bank during the period between 1 March 2016 and 30 September 2016 (both dates inclusive). Terms & Conditions apply.

Re-borrow up to 100% of the repaid principal from your existing loan, without having to reapply

Personal Instalment Loan Redraw

Re-borrow up to 100% of the repaid principal from your existing loan, without having to reapply.

Find out more about Personal Instalment Loan Redraw
  • The redrawn amount will be immediately disbursed7 to your HSBC account to give you instant access to cash
  • Enjoy the convenience of withdrawing cash from over 1,000 HSBC ATMs
  • No restriction on the number of times you can redraw8
  • Choose a longer repayment period (up to 60 months) for extra flexibility

7 Processing time may vary in some cases depending on the actual circumstances of individual applications.

8 Minimum redraw amount is HKD3,000 and you must have had a Personal Instalment Loan account for at least 3 months. The Bank reserves the final right of allowing customers to redraw or not and has sole discretion to determine the redrawn amount and tenor.

Set your own credit repayment schedule and amount for ultimate flexibility.

Revolving Credit Facility

Set your own credit repayment schedule and amount for ultimate flexibility.

Find out moreabout Revolving Credit Facility
  • Fast approval and cash withdrawal within 5 minutes10
  • Borrow up to HKD800,000 or 6 times your monthly salary, whichever is lower
  • Minimum 2.5% of the utilised credit balance as the repayment amount
  • No withdrawal fee

10 Applications have to be submitted during the Bank's service hours (Mon-Fri 9am-10pm, Sat 9am-6pm, except public holidays, or individual branch's opening hours) with all required information (including without limitation a valid HSBC banking account number) and documents. Actual turnaround time starts when all the required information is successfully input into the Bank's application evaluation system. Processing time may vary in some cases depending on the actual circumstances of individual applications.

11 Applicable to successful loan applications of Revolving Credit Facility via HSBC website www.personal.hsbc.com.hk or HSBC Personal Internet Banking with an approved loan amount of HKD60,000 or above. Terms & Conditions apply.

Consolidate all your outstanding credit card and loan balances into a single HSBC loan account for easier financial management.You can also enjoy saving in interest expense with personalised interest rate.

Personal Instalment Loan Balance Consolidation Program

Consolidate all your outstanding credit card and loan balances into a single HSBC loan account for easier financial management. You can also enjoy saving in interest expense with personalised interest rate.

Find out moreabout Personal Instalment Loan Balance Consolidation Program
  • Extra-high loan amount of up to 21 times your monthly salary or HKD1,200,000 (whichever is lower)
  • Extra-long repayment period of up to 72 months to reduce your monthly repayment amount
  • Personalised interest rate based on your individual circumstances

Which HSBC lending solution is your right match?

Find a suitable loan product to match with your specific needs by answering a few simple questions.

How to borrow money wisely

Know what to consider before you borrow money, and understand the risks involved.

Loans glossary

Seen an unfamiliar word or abbreviation? Check this A–Z listing of common terms used to discuss loans and borrowing.

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.

Spending Instalment Plan

Settle your HSBC credit card spending in easy monthly instalments with the Spending Instalment Plan.

Overdrafts

A ready credit facility offering extra cash whenever you need it, and for whatever reason. An HSBC overdraft can give you financial flexibility when you need it most.

Contact us

By phone

Application hotline
(852) 2748 8080 (852) 2748 8080

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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