A single loan for your credit card and loan debt
Save yourself some hassle by consolidating debt from your credit cards and loans, and save some money with a personalised interest rate.
Key benefits

Meet your financial needs
Take out a loan up to 21 times your monthly salary or HKD1,200,000 (whichever is lower)

Pay less interest
A consolidated loan with repayment period of 12 to 72 months helps to save interest expenses with a personalized interest rate

Apply without proof of income
You don't need proof of income if you've kept a payroll account with HSBC for the past month

Enjoy a preferential rate
Combine your credit card and loan balances into a Personal Instalment Loan Balance Consolidation Program and enjoy a preferential rate now.
How to save by consolidating debt
Items | Credit card bills totalling HKD200,000[@loans-calculatedannualinterestrate] | Under our Balance Consolidation Program[@loans-calculatedmonthlyflatrate] |
---|---|---|
Average monthly repayment amount | HKD7,881 | HKD4,258 (-46%) |
Repayment period | 378 months | 72 months (-81%) |
Total interest expense | HKD331,986 | HKD106,576 (-68%) |
Items | Average monthly repayment amount |
---|---|
Credit card bills totalling HKD200,000[@loans-calculatedannualinterestrate] | HKD7,881 |
Under our Balance Consolidation Program[@loans-calculatedmonthlyflatrate] |
HKD4,258 (-46%) |
Items | Repayment period |
Credit card bills totalling HKD200,000[@loans-calculatedannualinterestrate] | 378 months |
Under our Balance Consolidation Program[@loans-calculatedmonthlyflatrate] |
72 months (-81%) |
Items | Total interest expense |
Credit card bills totalling HKD200,000[@loans-calculatedannualinterestrate] | HKD331,986 |
Under our Balance Consolidation Program[@loans-calculatedmonthlyflatrate] |
HKD106,576 (-68%) |
What you need to know before you borrow
Which of HSBC's lending solutions is your right match?
Find a suitable lending product to match with your specific needs by answering a few simple questions
What to consider before getting a loan
Read about the 5 things you should think about or double-check before you apply for a loan
What to look out for when getting a loan
Be careful and watch out for these 6 things before you apply for a loan
Things you should know
Eligibility
To apply for the HSBC Personal Instalment Loan Balance Consolidation Program you must:
- be a Hong Kong resident
- be at least 18 years old
- have a monthly income of at least HKD7,500
Apply now
Via online form
You can complete this online form to apply.
Over the phone
Call us on our 24/7 application hotline to get started.
Find out more
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