繁體 简体 Close
Living well is a worry-free road ahead #OneStepCloser
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 with ease.



Sign up for HSBC's Revolving Credit Facility successfully from 19 October 2017
to 30 January 2018 to enjoy the offers below:
  • Apply online to enjoy HK$100 cash rebate3
  • Submit supporting document(s) required by the Bank for the loan application
    to enjoy HK$100 cash rebate4
  • 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
  • 1-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 19 October 2017 to 30 January 2018 (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. Only applicable to successful loan applicants via HSBC website www.hsbc.com.hk or HSBC Internet Banking with an approved loan amount of HK$100,000 or above. Please refer to the Promotional Terms and Conditions for details.
  4. Only applicable to any customer who successfully submit supporting document(s) required by the Bank for the loan application with an approved amount of HK$100,000 or above. Please refer to the Promotional Terms and Conditions for details.
  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 19 October 2017 and expires on 30 January 2018, both dates inclusive (the “Promotional Period”).
  2. A customer who submits an application for a Revolving Credit Facility (the “Loan”) to The Hongkong and Shanghai Banking Corporation Limited, Hong Kong (and its successors and assigns) (the “Bank”) and whose Loan application is approved during the Promotional Period (“Eligible Customer”) shall, subject to these Terms and Conditions, be eligible for the applicable promotional interest rate, the first-year annual fee waiver and other offers in relation to the Loan under this promotion.
  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 HK$100 Online Exclusive Offer (“Online Exclusive Offer”) only:
  1. To be eligible for HK$100 cash rebate under the Online Exclusive Offer, an Eligible Customer must submit the Loan application via HSBC website www.hsbc.com.hk or HSBC Personal Internet Banking and the Loan of HK$100,000 or above must be approved during the Promotional Period.
  2. Each Eligible Customer is entitled to the Online Exclusive Offer once only under this promotion.
  3. The cash rebate will be credited to each Eligible Customer’s Loan repayment account on or before 30 April 2018 (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.
  4. 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$100 Document Submission Offer (“Document Submission Offer”) only:
  1. To be eligible for HK$100 cash rebate under the Document Submission Offer, an Eligible Customer must submit supporting document(s) required by the Bank for the Loan application and the Loan of HK$100,000 or above must be approved during the Promotional Period.
  2. Each Eligible Customer is entitled to the Document Submission Offer once only under this promotion.
  3. The cash rebate will be credited to each Eligible Customer’s Loan repayment account on or before 30 April 2018 (the “Document Submission Offer Credit Date”) without further notice. Eligible Customers have to ensure their Loan repayment accounts are still valid on the Document Submission Offer Credit Date in order to enjoy the Document Submission Offer.
  4. An Eligible Customer who cancels his/her Loan on or before the Document Submission Offer Credit Date will not be eligible for the Document Submission Offer.

Key Facts Statement

Revolving Credit Facility Terms and Conditions

Notice relating to the Personal Data (Privacy) Ordinance

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

Reference number: Y7-U2-LRCF67