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HSBC Advance Clean Credit

Obtain the extra cash you want, whenever you need it most, with the HSBC Advance Clean Credit, and enjoy the financial freedom of increased spending and investing power.

  • Benefit from HSBC's Best Lending Rate + 5% p.a.
  • Repay as little as 5% on the outstanding debit balance, or HKD100, whichever is higher
  • No interest charged on unused clean credit
  • Borrow up to HKD800,000 or 4 times your monthly basic salary, whichever is lower

More about HSBC Advance



-The interest will be debited from the account on the 28th of each month. If the date falls on Sunday or public holiday, interest will be debited on the preceding working day.

HSBC Premier Clean Credit

Access to credit whenever you need it, with preferential interest rates for added flexibility. Just for HSBC Premier account holders.

Personal Integrated Account1 Clean Credit

Enjoy extra credit whenever you need it most, and greater spending and investment power.

Personal Overdraft

Borrow money with a low interest rate and a high credit line, so you have flexibility when you need it.

Secured Credit

Get higher credit limits when you secure a credit line against your assets.

Contact us

By phone

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
Tweet us


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


  • You must be a resident of Hong Kong
  • At least 18 years old
  • Have a monthly income of at least HKD5,000

Note Select to Expand Select to Collapse  

A nominal monthly fee of HKD50 x utilised percentage of credit limit for the last month will be charged.

1. "Personal Integrated Account" is also named as 'SmartVantage'; Personal Integrated Account and SmartVantage are used interchangeably in customer communications including account statement, bank forms / advices, Personal Internet Banking platform etc.

Please note that we do not appoint any third parties to refer Clean Credit 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.