Cash Instalment Plan

HSBC HK
Credit Cards
Cash Instalment Plan

More cash, more financial flexibility with Cash Instalment Plan

Convert your available credit limit into cash, or transfer outstanding balance from other credit cards onto your HSBC credit card. Some of the benefits you'll enjoy with our Cash Instalment Plan include:

Make repayments flexibly over 6 to 60 months
Manage your debt easily with fixed monthly repayment amounts over a fixed repayment period
Get cash credited directly into your selected account
Receive cash in your account the same day your loan gets approved[@cards-same-day-disbursement] (within opening hours[@cards-sip-instant-approval])

Monthly handling fee

as low as

0.25%[@cards-cashinstalmonthlyhandlingfee]

Apply now go to apply card section

Submit supporting documents

You can also submit your supporting documents via HSBC HK Mobile Banking App.

Make your move with HSBC Cash instalment

Extra $200 RewardCash

Until 28 February 2025, new HSBC credit card holder can enjoy an extra $200 RewardCash for a successful application for Cash instalment plan. T&Cs apply.

Apply HSBC credit cards

Things you should know

Apply now

Via HSBC HK App

If you have the HSBC HK App installed on your device and have set up mobile banking, you can complete your application in the app.

Apply now This link will open in a new window

Apply without logging on This link will open in a new window

By phone

Call us on our 24/7 application hotline to get started.

(852) 2233 3051

Download and fill out an application form, then mail it back to us with the required documents to the address specified on the form.

Scan the QR code to open the HSBC HK App

Apply and see your application status instantly

Check your status in just a few taps

You can apply for a Cash Instalment Plan and see your plan details easily on the HSBC HK Mobile Banking app. Simply log on and follow these steps.

Step 1: Select the card you want to apply with, tap 'View more', 'Create or view Cash Instalment Plan', then 'Get started'.
Step 2: Read the introduction, select 'Continue', then read the key facts statement and product terms and conditions.
Step 3: Enter the amount you want to apply for, select a repayment plan and fill in other information, then confirm the details to submit your application and see your application status instantly!

Download Transcript This link will open in a new window

Find out more

Yes, you can choose to make an early repayment. However, you'll be charged an early repayment fee that's 2% of your total outstanding principal amount. So you should consider this option carefully before deciding to make an early repayment.

You can choose to make an early repayment but you'll be charged an early repayment fee that's 2% of your total outstanding principal amount. The handling fees you save on may be less than the total early repayment fees and charges you'll have to pay. So you should consider your options and finances carefully before making a decision.

You can contact us to check how much you'll need to pay—including the outstanding principal amount, early repayment fee and any other charges—if you opt for an early repayment.

You can get more personalised information by using our Credit Card Repayment Calculator.

But as an illustrative example, we'll assume an outstanding balance of HKD20,000. We'll also assume that you make no additional charges, purchases or cash advances on your credit card. The following table shows how long it will take to repay the balance fully, and how much you'll pay in total.
If each month you pay	You'll pay off the outstanding balance* in about	You'll pay an estimated total of
The minimum payment due only (including 1% of the monthly instalment principal amount)	11.5 years**	HKD57,850***
HKD869	3 years**	HKD31,279*** (You save HKD26,570)

But as an illustrative example, we'll assume an outstanding balance of HKD20,000. We'll also assume that you make no additional charges, purchases or cash advances on your credit card. The following table shows how long it will take to repay the balance fully, and how much you'll pay in total.
If each month you pay	The minimum payment due only (including 1% of the monthly instalment principal amount)
You'll pay off the outstanding balance* in about	11.5 years**
You'll pay an estimated total of	HKD57,850***

If each month you pay	HKD869
You'll pay off the outstanding balance* in about	3 years**
You'll pay an estimated total of	HKD31,279*** (You save HKD26,570)

*The outstanding balance of HKD20,000 is accrued from purchases only.

**We'll assume that repayments were made on or before the payment due date of each statement month.

***This includes the outstanding balance of HKD20,000, and the total finance charge accrued daily on the outstanding balance until it's fully repaid. The finance charge is calculated at an interest rate of 2.65% per month (equivalent to an annualised percentage rate of 35.42% on purchases, 35.94% on cash advances).

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Spending Instalment Plan

Unlock better budgeting – turn your credit card transactions or statement balance into 6 to 60 monthly instalments.

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Lending to help you reach your financial goals and make the most of life.

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Credit cards that let you make the most out of your money, no matter your lifestyle.

Important information

To borrow or not to borrow? Borrow only if you can repay! T&Cs apply.

More cash, more financial flexibility with Cash Instalment Plan

Monthly handling fee

Make your move with HSBC Cash instalment

Limited time offer of up to HKD3,100 spending credit

Extra $200 RewardCash

Things you should know

Apply now

Via HSBC HK App

By phone

Other ways to apply

Scan the QR code to open the HSBC HK App

Apply and see your application status instantly

Check your status in just a few taps

Find out more

Product information

Fees and charges

Can I make an early repayment of my total outstanding amount?

Will I save on interest by making an early repayment for my Cash Instalment Plan?

How long will it take to repay my Cash Instalment Plan fully if I make the minimum payments only? What will be the total cost?

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