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Cash Instalment Plan

Simply convert your unused credit limit into cash or transfer the outstanding balance from other credit cards to your HSBC credit card account, and repay in instalments.

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


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

Make your move with HSBC Cash instalment

Get up to HKD1,600 spending credit

From now until 9 July 2024, apply for a Cash Instalment Plan successfully and you could receive up to HKD1,600 spending credit—T&Cs apply.

Extra $200 RewardCash

Until 31 July 2024, new HSBC credit card holder can enjoy an extra $200 RewardCash for a successful application for Cash instalment plan. T&Cs apply.

Apply now


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.

Via online banking

Due to system maintenance, online banking application of Cash Instalment Plan will be unavailable from 28 November 2023. Please log on to the HSBC HK App and apply.

Apply by phone

Call us on our 24/7 application hotline to get started. (852) 2233 3051

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!

Find out more

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Important information

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