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Personal Overdraft

It's easy to apply for a high credit line with a low interest rate to give you flexibility when you need it.

  • Benefit from HSBC's Best Lending Rate + 7% p.a.
  • You're granted a nominal annual fee of 1% of your credit limit, at a minimum of HKD200 and maximum of HKD700
  • Get maximum financial flexibility with no monthly payment to make
  • No interest charged on unused clean credit

Borrow up to


or 4 times your monthly salary, whichever is lower


-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.

HSBC Advance Clean Credit

Get extra spending power, together with increased flexibility in managing your money. Just for HSBC Advance account holders.

Personal Integrated Account1 Clean Credit

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

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!

Note Select to Expand Select to Collapse  

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 Personal Overdraft 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.