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  • Fast approval and cash withdrawal within 5 minutes4
  • Borrow up to HKD3,000,000 or 10 x your monthly salary, whichever is lower
  • No income proof and Tax Demand Note required if you maintain an auto payroll account with HSBC for the last one month
  • If your income is irregular (for example because you work part-time, on commission or on a profit-sharing basis), no income proof is required if you maintain an auto payroll account with HSBC for at least the past 3 months
  • Monthly flat rate as low as 0.09% (APR as low as 2.02%)1
  • Full handling fee waiver.
  • Up to HKD200 cash rebate for online application2
  • Set up auto payroll service to enjoy HK$500 cash rebate3

More about this offer

How to apply

HSBC Personal Internet Banking customers

Log on

New customers or HSBC customers without Personal Internet Banking

Complete the online application

By phone

Application hotline
(852) 2748 8080


1Only applicable to Customers who successfully apply for and draw down the Loan during the Promotional Period with an approved Loan amount of HK$1,000,000 or above. Monthly flat rate is 0.09% and Annualised Percentage Rate (APR) is 2.02% 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.

2To 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.

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.

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

Fixed monthly payments so you can plan accurately

Redraw your Personal Instalment Loan

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.

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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