An overdraft is a ready credit facility that offers you extra cash whenever you need it, and for whatever purpose. Overdrafts provide you with the flexibility of funds when you need it most.
Stand-by overdraft protection credit limit of up to HKD20,000 for HSBC Preimer customers and HKD5,000 for HSBC Advance and Personal Integrated Account^ customers.
Achieve your goals and dreams with your assets pledged as security with a Secured Credit. More
Exclusively for HSBC Premier customers, extra stand-by cash with preferential interest rates. More
Linked to your HSBC Advance package, a credit facility for extra on-demand cash. More
A credit facility for extra on- demand cash. More
Enjoy a high credit line with low interest rates with a personal overdraft. More
* Applicable to customers who have maintained at least three months' satisfactory credit record and a total of credit relationship of HKD40,000 for HSBC Premier customers and HKD10,000 for HSBC Advance and Personal Integrated Account^ customers in the previous calendar month. Pricing for Overdraft protection for HSBC Premier is HSBC's Best Lending Rate + 4% p.a. and HSBC's Best Lending Rate + 5% p.a. for HSBC Advance and Personal Integrated Account^ customers.
^ "Personal Integrated Account" is also named as 'SmartVantage'; Personal Integrated Account and SmartVantage are used interchangeably in customer communications including account statement, bank forms / advices, internet banking platform etc.
Note: The Unauthorised Overdraft interest rate is Best Lending Rate + 8%. For Super Ease Account and Current Account, such interest rate is 24% p.a. The Unauthorized overdraft handling charge is HKD120. For HSBC Premier, the Unauthorized overdraft handling charge is HKD100.
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