Greater financial flexibility is just a few steps away
Borrow up to HKD3 million or 23 times your monthly salary, whichever is lower, and pay it back in instalments over a period of up to 60 months. Get approved and withdraw cash in just a minute[@loans-withdrawin1min].
- You can set a flexible repayment period of up to 60 months and pay your loan back in fixed monthly payments
- Redraw the amount you repaid again when you need to, without having to apply again[@loans-minimumredraw]
- You won't be charged any handling fees for the loan
APR
As low as
2.38%[@loans-lowannualisedrateoffer]
Cash Rebate
Up to
HK$8,300[@loans-hkd13888-rebate-offer]
Enjoy cash rebate up to HK$8,300[@loans-hkd13888-rebate-offer]
Get a Personal Instalment Loan now to enjoy an APR as low as 2.38%[@loans-lowannualisedrateoffer] , with up to HK$8,300 cash rebate.
dpws-tools-calculator-creator
- The monthly repayment amount, monthly flat rate, Annualised Percentage Rate (APR) and total interest amount shown in the calculator are for indication only and are not meant to be final.
- The rates for individual customers may vary. Please call our hotline, log on to HSBC Online Banking or the HSBC HK Mobile Banking app to enquire about your eligible rates including APR and repayment information.
- The illustration does not reflect the actual allocation of principal and interest. Please also note that the actual monthly repayment amount may differ, customers should refer to the loan confirmation letter for the actual related information.
- The monthly repayment amount and the APR is calculated based on a 6, 12, 18, 24, 30, 36, 42, 48, 54 or 60-month repayment period and loan amount of every HKD10,000. The monthly repayment amount is rounded up to one decimal place.
- 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.
- View Key Facts Statements.
- Terms and conditions apply.
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.
Via online banking
If you're already registered for HSBC Online Banking, simply log on to get started. We've pre-filled some details for you to make your application process easier.
Scan the QR code to open the HSBC HK App
Apply by phone
Call us on our 24/7 application hotline to get started. (852) 2748 8080
Suggested articles
Starting your own business successfully
See what you need to consider and plan for in order to start up a successful business
Sending your child to study abroad
Planning to send your child to study abroad? Explore benefits of studying abroad and student education loan.
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
A loan is just a few steps away
You can apply for a loan quickly and easily on the HSBC HK Mobile Banking app.
- Log on to HSBC HK Mobile Banking app.
- Go to 'Home', scroll down and select 'Loans'.
- Select 'Personal Instalment Loan' and follow the instructions to complete your application.
Things you should know
Eligibility
To be eligible for HSBC Personal Instalment Loan, you must:
- be a Hong Kong resident
- be at least 18 years old
- have a monthly income of at least HKD5,000
Find out more
Related products
Personal Instalment Loan Redraw
Borrow a part of or up to all of the principal from what you’ve repaid on your existing loan, without having to reapply
HSBC Revolving Credit Facility
Unlock readily available credit – spare cash you can withdraw at any time, on your own schedule at 2.90% p.a. for your first 3 months, and at 2.92% APR[@loans-introrate]
HSBC Personal Instalment Loan Balance Consolidation Program
Consolidate your other loans and credit card balances into a high loan, without any handling fees, to optimise your financial potential.