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  • Fast approval and cash withdrawal within
    5 minutes4
  • 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 reapply5
  • Monthly flat rate as low as 0.13% (APR as low as 2.92%) 1
  • Up to $300 cash rebate for online application 2
  • Set up auto payroll service to enjoy HK$500 cash rebate 3

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 the prevailing pre-approved personal loan offer may click here to apply online.

By phone

Application hotline
(852) 2748 8080

1 Only applicable to Customers who successfully apply for and draw down the Loan during the Promotional Period with an approved Loan amount of HK$700,000 or above. Monthly flat rate is 0.13% and Annualised Percentage Rate (APR) is 2.92% according to a repayment period of 12 months including handling fee waiver. 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. Terms and Conditions apply.

2 To be eligible for up to HK$300 Online Exclusive Offer, an Eligible Customer must submit the Loan application via HSBC website www.hsbc.com.hk or HSBC Personal Internet Banking (each of these channels is referred to as “Online Channel”) and the Loan must be approved during the Promotional Period. An Eligible Customer is entitled to HK$200 cash rebate for approved Loan amount of HK$50,000 to less than HK$200,000, or is entitled to HK$300 cash rebate for approved Loan amount of HK$200,000 or above. Terms & Conditions apply.

3 To be eligible for HK$500 cash rebate under the Payroll Offer, an Eligible Customer must successfully apply for the Loan with approved 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 his/her HSBC bank account for a consecutive 3-month period, with the first deposit made and received by the Bank on or before 30 June 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 August 2016 and 28 February 2017 (both dates inclusive).Terms & Conditions apply.

4 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.

5Minimum 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.

Personal Instalment Loan Balance Consolidation Program

Clear your debts faster by combining multiple credit card and loan balances into one loan.

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.