HSBC Personal Instalment Loan

Great for

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  Limited Time Offer - Enjoy up to HK$8,888 Cash Rebate

  • From 8 November 2023 to 12 December 2023, enjoy up to HK$8,888 cash rebate for success Personal Instalment Loan application, details as below:

  Loan Amount	Cash Rebate (drawdown with 12 months to 24 months)	Cash Rebate (drawdown with 25 months to 59 months)	Cash Rebate (drawdown with 60 months)	Additional Cash Rebate (Document Submission Offer)
  HK$100,000 to HK$299,999	HK$400	HK$1,000	HK$1,000	HK$300
  HK$300,000 to HK$999,999	HK$800	HK$2,000	HK$2,000
  HK$1,000,000 to HK$1,499,999	HK$1,500	HK$2,500	HK$2,500
  HK$1,500,000 or above	HK$2,500	HK$6,000	HK$8,888

  • The cash rebate will be credited to the Eligible Customer's Loan repayment account on or before 31 March 2024
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  Limited Time Offer - Enjoy up to HK$5,000 RewardCash

  • From 8 November 2023 to 12 December 2023, enjoy up to $5,000 RewardCash for success Personal Instalment Loan application holding an Eligible Credit Card , details as below:

  Loan Amount	RewardCash (drawdown with 12 months to 24 months)	RewardCash (drawdown with 25 months to 59 months)	RewardCash (drawdown with 60 months)
  HK$100,000 to HK$299,999	$400	$1,000	$1,000
  HK$300,000 to HK$999,999	$800	$2,000	$2,000
  HK$1,000,000 to HK$1,499,999	$1,500	$2,500	$2,500
  HK$1,500,000 or above	$2,000	$3,000	$5,000

  • The RewardCash will be credited to the Eligible Customer's Loan repayment account on or before 31 March 2024
  • “Eligible Credit Card” means any Hong Kong Dollar personal primary, combined additional, separate additional credit cards or UnionPay Dual Currency Credit Cards (applicable to Hong Kong Dollar sub-account only) issued by The Hongkong and Shanghai Banking Corporation Limited in Hong Kong (and its successors and assigns). If you are holding an additional credit card only and do not hold any primary credit card, such additional card is not eligible for the offer.
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  Product Features

  • APR as low as 1.68% (monthly flat rate as low as 0.10%); HK$0 handling fee
  • 1-minute approval; no income proof is required if you have maintained an auto payroll account with HSBC for one month or above
  • Borrow up to HK$3,000,000 or 23 times your monthly salary, whichever is lower
  • Flexible repayment period from 6 months to 60 months
  • Cash withdrawal from over 1,000 HSBC's ATMs and branches
  • 30-day cooling-off period; waiver of early redemption fees

Need to know

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  Things you need to know

  • The offer of APR as low as 1.68% applies only to the customer who successfully apply for and draw down an approved loan of HK$1,500,000 or above during the promotional period. The monthly flat rate is 0.10% and the respective Annualised Percentage Rate (APR) is 1.68% (calculated including HK$2,500 cash rebate and $2,000 RewardCash under the Successful Application Offer) and 2.25% (calculated without any cash rebate or RewardCash) for a repayment period of 12 months.​
  • 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
  • Processing time may vary in some cases depending on the actual circumstances of individual applications
  • Minimum redraw is HK$3,000 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
  • Applications have to be submitted during the Bank’s service hours (Monday to Friday: 9 am - 8 pm, Saturday: 9 am - 5 pm, Sunday and public holidays: 12 noon - 12 midnight, or individual branch’s opening hours) with all required information (including without limitation a valid HSBC banking account number) and documents. The actual turnaround time starts when all the required information is successfully inputted into the Bank’s application evaluation system and the Bank may provide the instant application result and fund disbursement. Processing time may vary in some cases depending on the actual circumstances of individual applications.
  • The actual repayment amount is subject to final approval
  • Offer examples above are for reference only.
  • Terms and conditions apply. For details, please refer to HSBC’s website. The monthly repayment amount, monthly flat rate, Annualised Percentage Rate (APR) and total interest amount shown are for indication only and are not meant to be final.
  • To borrow or not to borrow? Borrow only if you can repay!