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Introductory interest rate 1.9% p.a. ¹ and 1st year annual fee waiver ²
HSBC's Revolving Credit Facility helps you handle sudden expenses.


Sign up for HSBC's Revolving Credit Facility successfully from 16 February 2017 to
29 March 2017 to enjoy the offers below:
  • Apply online to enjoy up to HK$350 cash rebate3
    (Applicable to approved loan amount of HK$200,000 or above)
  • Set up auto payroll service to enjoy HK$500 cash rebate4
    (Applicable to approved loan amount of HK$100,000 or above)
  • Loan amount of up to HK$1,200,000 or 10 times of the monthly salary5
  • Interest6 calculated daily on outstanding amount only and no handling fee
  • Flexible repayment periods and amounts7, credit limit will be restored automatically
    after repayment
  • 5-minute approval8 and instant cash withdrawal



Call   2748 80809
Click  www.hsbc.com.hk/loan10


HSBC's Revolving Credit Facility Interest Rate Table


Remarks of the Interest Rate Table
  1. The interest rate table listed above applies to customers who open a Revolving Credit Facility account during the promotional period from 16 February 2017 to 29 March 2017 (both dates inclusive).
  2. For the first 3 months' introductory interest rate period, interest rate is 1.90% p.a. and Annualised Percentage Rate (APR) is 1.91% for all approved credit limits. "First 3 months' introductory interest rate period" refers to the period from the date of loan disbursement to the third statement date of the respective account (both dates inclusive).
  3. 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. The APR is calculated based on middle value credit limit of HK$10,000, HK$32,500, HK$125,000, HK$350,000 and HK$750,000. Please note that the actual APR applicable may differ, customers can refer to the loan confirmation letter for actual related information.

Remarks
  1. Please refer to the interest rate table for respective APRs.
  2. An annual fee of 1% of approved credit limit per annum shall apply (up to a maximum of HK$1,000), subject to a first-year annual fee waiver. Terms and conditions apply.
  3. To be eligible for cash rebate, a customer must successfully apply for the loan with an approved amount of HK$50,000 or above via HSBC website www.hsbc.com.hk or HSBC Personal Internet Banking during the Promotional Period. An Eligible Customer is entitled to HK$200 cash rebate for approved Loan amount of HK$50,000 to less than HK$200,000, or is entitled to HK$300 cash rebate for approved Loan amount of HK$200,000 or above. An Eligible Customer is entitled to an extra HK$50 cash rebate if he/she submits supporting documents requested by the Bank for the Loan application via Online Channel and the approved Loan amount is HK$50,000 or above. Terms and conditions apply.
  4. This offer is only applicable to any customer who successfully applies for the loan with an approved amount of HK$100,000 or above and sets up a monthly auto payroll service for a consecutive 3-month period. Terms and conditions apply.
  5. The lower one applies.
  6. Once your loan application is approved, the loan amount (exclusive of the annual service fee, if applicable) will be credited directly to your designated HSBC account without prior notice. Interest will be calculated once the loan amount is credited to your designated account.
  7. Minimum monthly repayment amount is 2.5% of outstanding balance or HK$50 (whichever is higher).
  8. Applications have to be submitted during the Bank's service hours (Monday to Friday: 9 am - 8 pm, Saturday: 9 am - 1 pm, except public holidays, or individual branch's opening hours) with all required information (including without limitation a valid HSBC banking account number) and documents. Actual turnaround time starts when all the required information is successfully inputted into the Bank's application evaluation system. Processing time may vary in some cases depending on the actual circumstances of individual applications.
  9. Hotline business hours: Monday to Friday: 9 am to 10 pm; Saturday: 9 am to 6 pm. Except public holidays.
  10. Logon to HSBC Personal Internet Banking, choose "Apply for Revolving Credit Facility" under "My Quick Links" to access the application form. If you are not a current HSBC Personal Internet Banking user, you can register instantly to access to Internet Banking services.

HSBC's Revolving Credit Facility Promotional Terms and Conditions
  1. The promotional period commences on 16 February 2017 and expires on 29 March 2017, both dates inclusive (the "Promotional Period").
  2. A customer who successfully applies for a Revolving Credit Facility (the "Loan") with The Hongkong and Shanghai Banking Corporation Limited, Hong Kong (and its successors and assigns) (the "Bank") during the Promotional Period ("Eligible Customer") shall, subject to the terms herein, be eligible for the applicable promotional interest rate and a first-year annual fee waiver.
  3. The Bank reserves the right to amend these Terms and Conditions at any time with appropriate notice.
  4. Employees of the Bank and other members of the HSBC Group are not eligible to join this promotion.
  5. In case of any dispute, the decision of the Bank shall be final and conclusive.
  6. In case of any discrepancy between the English and Chinese versions of these Terms and Conditions, the English version shall apply and prevail.
  7. These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
  8. These Terms and Conditions are subject to prevailing regulatory requirements.
  9. No person other than the Eligible Customer and the Bank will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provisions of these Terms and Conditions.
Applicable to up to HK$350 Online Exclusive Offer ("Online Exclusive Offer") only:
  1. To be eligible for up to HK$350 Online Exclusive Offer, an Eligible Customer must submit the Loan application via HSBC website www.hsbc.com.hk or HSBC Personal Internet Banking (each of these channels is referred to as "Online Channel") and the Loan must be approved during the Promotional Period.
  2. An Eligible Customer is entitled to HK$200 cash rebate for approved Loan amount of HK$50,000 to less than HK$200,000, or is entitled to HK$300 cash rebate for approved Loan amount of HK$200,000 or above. An Eligible Customer is entitled to an extra HK$50 cash rebate if he/she submits supporting documents requested by the Bank for the Loan application via Online Channel and the approved Loan amount is HK$50,000 or above.
  3. Each Eligible Customer is entitled to the Online Exclusive Offer once only under this promotion.
  4. The cash rebate will be credited to each Eligible Customer's Loan repayment account on or before 30 June 2017 (the "Online Exclusive Offer Credit Date") without further notice. Eligible Customers have to ensure their Loan repayment accounts are still valid on the Online Exclusive Offer Credit Date in order to enjoy the Online Exclusive Offer.
  5. An Eligible Customer who cancels his/her Loan on or before the Online Exclusive Offer Credit Date will not be eligible for the Online Exclusive Offer.
Applicable to HK$500 Auto Payroll Offer ("Payroll Offer") only:
  1. To be eligible for HK$500 cash rebate under the Payroll Offer, an Eligible Customer must successfully apply for the Loan with approved amount of HK100,000 or above and set up a monthly auto payroll service with the Bank during the Promotional Period. An Eligible Customer must successfully have his/her monthly payroll automatically deposited to his/her HSBC bank account for a consecutive 3-month period, with the first deposit made and received by the Bank on or before 30 April 2017. An Eligible Customer will not be eligible for the Payroll Offer if he/she has auto payroll records with the Bank during the period between 1 July 2016 and 31 January 2017 (both dates inclusive).
  2. An Eligible Customer must notify and arrange with his/her employer to have his/her monthly payroll automatically deposited to his/her HSBC bank account. Deposit of monthly payroll through remittance, local CHATS, standing instruction, cheque and cash will not be considered as "auto payroll" and will not be eligible for this Payroll Offer. The Bank reserves the final right to define the term "auto payroll".
  3. Each Eligible Customer is entitled to the Payroll Offer once only under this promotion, regardless of the number of Loans he/she successfully applies for. If an Eligible Customer is eligible for more than one concurrently running promotional offer of the same nature for any HSBC personal loan product, the Eligible Customer will be entitled to one of the offers only, and the Bank reserves the right to award only the offer deemed to be of the highest value to the Eligible Customer at the Bank's discretion.
  4. The cash rebate will be credited to each Eligible Customer's Loan repayment account on or before 30 September 2017 (the "Payroll Offer Credit Date") without further notice. Eligible Customers have to ensure their Loan repayment accounts are still valid on the Payroll Offer Credit Date in order to enjoy the Payroll Offer.
  5. An Eligible Customer who cancels his/her Loan on or before the Payroll Offer Credit Date will not be eligible for the Payroll Offer.

Key Facts Statement

Revolving Credit Facility Terms and Conditions

Notice relating to the Personal Data (Privacy) Ordinance

Reference number: Y7-U2-LRCF61