Reborrow repaid principal from your existing loans any time
Borrow up to 100% of the principal, from what you've repaid on your existing loan, without having to reapply. Access cash immediately[@loans-processingtime] and select a new repayment period of up to 5 years.
Redraw quickly and easily
We'll release funds into your account as soon as you redraw on your loan[@loans-processingtime], and you can redraw at over 1,000 HSBC ATMs.
Meet your financial needs as they arise[@loans-minimumredraw]
Comfortably redraw money from your repaid principal and pay back over a period of up to 60 months.
Consolidate for easier management
Combine your outstanding balance and redrawn loan into a single account to manage your loans with ease.
Starting your own business successfully
See what you need to consider and plan for in order to start up a successful business
Tax loans vs. instalment loans
Compare between these two types of personal loans and see which one suits your purposes better
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
To be eligible for HSBC Personal Instalment Loan Redraw, you must:
- be a Hong Kong resident
- be at least 18 years old
- have a monthly income of at least HKD5,000
- have a Personal Instalment Loan for at least three months
Via HSBC Online Banking
Log on to HSBC Online Banking to apply online.
Apply over the phone
Call us on our 24/7 application hotline to get started.
Don't have HSBC Online Banking?
Already applied? Upload documents now
Frequently asked questions (FAQs)
How much should I borrow?
How long should I borrow for?
Why do I receive SMS / email asking me to call back for my loan application?
HSBC Revolving Credit Facility
Spare cash you can withdraw at any time, on your own schedule at 1.90% p.a. for your first 3 months, and at 1.91% APR[@loans-introrate]
HSBC Personal Instalment Loan Balance Consolidation Program
Consolidate your other loans and credit card balances into a high loan amount of up to 21 times your monthly salary or HKD1.2 million (whichever is lower) without any handling fees
- Please note that we do not appoint any third parties to refer Personal Instalment Loan Redraw applications to us and will not process any application that was referred by a third party under beneficial arrangement. For enquiry, please call our hotline at (852)2233 3000.
- To borrow or not to borrow? Borrow only if you can repay!