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Personal Instalment Loan Redraw

Re-borrow up to 100% of the repaid principal from your existing loan, without having to reapply.

Need cash now? Simply redraw from existing repaid loan amounts in just a few steps. T&Cs apply.


  • Access cash immediately1 – we'll release funds into your account as soon as you redraw on your loan.

  • Enjoy financial flexibility with the option to select a new repayment period of up to 60 months.

  • Redrawing is simple and can be done at over 1,000 HSBC ATMs.

  • We’ll combine your outstanding balance and redrawn loan into one account for easier management.

  • Comfortably redraw money from your repaid principal to meet your incremental financial needs2


  • You must be a Hong Kong resident
  • You must be at least 18 years old
  • You must have a monthly income of at least HKD5,000
  • You must have had a Personal Instalment Loan for at least three months

Loan resources and services

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Find a suitable loan product to match with your specific needs by answering a few simple questions.

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Know what to consider before you borrow money, and understand the risks involved.

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Discover tips on how to borrow wisely. 

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Fixed monthly payments so you can plan accurately.


Only pay interest on the credit you use rather than a fixed monthly payment.


Clear your debts faster using the Personal Instalment Loan Balance Consolidation Program.


Extra cash and financial flexibility to realise your personal goals. Convert your available credit limit into instant cash or transfer the outstanding balance from other credit cards to your HSBC credit card account.

To borrow or not to borrow? Borrow only if you can repay!


  1. Processing time may vary in some cases depending on the actual circumstances of individual applications.
  2. Minimum redraw amount is HKD3,000 and you must have had a Personal Instalment Loan account for at least 3 months. The Bank reserves the final right of allowing customers to redraw or not and has sole discretion to determine the redrawn amount and tenor.
  3. 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.