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Cash when you need it

Re-borrow up to 100% of the amount you’ve repaid on your existing loan.

  • Access cash immediately1 – we'll release funds into your account as soon as you redraw on your loan.
  • Enjoy financial flexibility with the option to select a new repayment period of up to 60 months.

  • Redrawing is simple and can be done at over 1,000 HSBC ATMs.
  • We’ll combine your outstanding balance and redrawn loan into one account for easier management.
  • Redraw on your loan as many times as you like.2

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

2 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.

How to apply

HSBC Personal Internet Banking customers

Log on

HSBC customers without Personal Internet Banking

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.

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.

Revolving Credit Facility

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

Consolidate 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!



  • You must be a Hong Kong resident
  • You must be at least 18 years old
  • You must have a monthly income of at least HKD5,000
  • You must have had a Personal Instalment Loan for at least three months

Remarks: Select to Expand Select to Collapse

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