HSBC Personal Loans | Interest Rates and Offers at a Glance
Updated: 24 Dec 2025
Loan | MoneyHero Reward | Total Interest | Total Repayment | APR | ||
|---|---|---|---|---|---|---|
 | HSBC Personal Instalment Loan | - | HK$9,720 | HK$309,720 | 6.11 % |
HSBC Personal Instalment Loan
- APR as low as 1.88% (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
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Only applicable to selected customers who successfully apply for and draw down an approved loan of HK$1,500,000 or above during the promotional period. For a repayment period of 12 months, the monthly flat rate is 0.10%, the Annualised Percentage Rate (APR) is 2.25% (without any cash rebate and RewardCash) or 1.88% (taking into account HK$1,500 cash rebate and $1,400 RewardCash). The APR is calculated using method specified in relevant guidelines issued by The Hong Kong Association 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. For your eligible rates, please call our hotline 2748 8080, log on to HSBC Online Banking or the HSBC HK App for details.
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It comprises the total sum of up to HK$5,000 cash rebate and $5,000 RewardCash under the Successful Application Offer. Customers who successfully apply for and draw down an approved loan of HK$1,500,000 or above with a repayment period of 60 months during the promotional period will be eligible for a total sum of up to $10,000 rebate.
- Only applicable to customers who successfully apply for and draw down anapproved loan of HK$600,000 Oor above, with a loan tenor of 36 months or above during the promotional period via HSBC Online Banking or the HSBC HK App, will be eligible for one set of HSBC LimitedEdition Commemorative Mahjong Set.
- 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.
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Terms and conditions apply. Please visit our website hsbc.com.hk/loan for promotional period, offer details and full terms and conditions regarding this promotion.
- Issued by The Hongkong and Shanghai Banking Corporation Limited
- To borrow or not to borrow? Borrow only if you can repay!
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