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  • Fast approval and cash withdrawal within
    1 minute3
  • Borrow up to HKD1,500,000 or 12 times your monthly salary, whichever is lower
  • Flexible repayment period up to 60 months
  • Redraw the amount you've repaid again in future without needing to reapply4
  • As low as 0.13% monthly flat rate (APR as low as 2.92%)1
  • Apply online can get maximum cash rebate of up to HK$5002
  • Submit supporting document(s) to enjoy up to HK$100 cash rebate2
  • Fast approval and cash withdrawal within 1 minute3

More about this offer

How to apply

HSBC Personal Internet Banking customers

Apply online for a personalised rate

New customers or HSBC customers without Personal Internet Banking

Complete the online application

Customers with existing pre-approved personal loans may apply online.

Application hotline (852) 2748 8080

Submit Supporting Documents Now


1Only applicable to customers who successfully apply for and drawdown the loan during the promotional period with an approved loan amount of HK$800,000 or above. Monthly flat rate is 0.13% and Annualised Percentage Rate (APR) is 2.92% for a repayment period of 12 months. The APR is calculated using method specified in relevant guidelines issued by the Hong Kong Associations 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.

2To be eligible for up to HK$500 cash rebate under the Online Exclusive Offer for personal instalment loan, an Eligible Customer must submit a personal instalment loan application via HSBC website www.hsbc.com.hk or HSBC Personal Internet Banking and the loan must be approved during the Promotional Period. An Eligible Customer is entitled to HK$100 cash rebate for approved loan amount of HK$50,000 to less than HK$200,000, or is entitled to HK$200 cash rebate for approved loan amount of HK$200,000 to less than HK$500,000, or is entitled to HK$500 cash rebate for approved loan amount of HK$500,000 or above. To be eligible for HK$100 cash rebate under the Document Submission Offer, an Eligible Customer must submit supporting document(s)required by the Bank for a Loan application and the Loan of HK$50,000 or above must be approved during the Promotional Period.

3Applications 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.

4Minimum redraw 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.

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.

Loan glossary

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

Personal Instalment Loan Redraw

Redraw against your loan without having to reapply.

Revolving Credit Facility

Only pay interest on the credit you use rather than a fixed monthly payment.

Consolidation your debts

Clear your debts faster using the Personal Instalment Loan Balance Consolidation Program.

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.

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

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Please note that we do not appoint any third parties to refer Personal Instalment Loan 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.