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Consolidate your debts

  • Reduce your monthly repayment amounts with long repayment periods of 12 to 72 months and save on interest expenses with a personalised interest rate.


Repayment example

  • Meet your financial needs with loan amounts of up to 21 times your monthly salary or HKD1,200,000 (whichever is lower).
  • Consolidating your borrowing can help you free up extra cash for your day-to-day expenses.
  • You don't need proof of income if you’ve kept a payroll account with HSBC for the past month.

How to apply

Complete the online application

Application hotline (852) 2748 8080

Submit Supporting Documents Now

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.

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.

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 Balance Consolidation Program 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.