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Put your life ambitions in action 
One step closer
Monthly flat rate as low as 0.08% ¹ , Apply online and submit document up to HK$200 cash rebate
Apply online by 5 simple steps only:

HSBC Internet Banking customers

Other customers
Put your goals in action with an HSBC's Personal Instalment Loan


Sign up for HSBC's Personal Instalment Loan successfully from 19 October 2017 to 30 January 2018 to enjoy the following:
  • Monthly flat rate as low as 0.08% (APR as low as 1.77%)1
  • Apply online to enjoy HK$100 cash rebate2
  • Submit supporting document(s) required by the Bank for the loan application to enjoy HK$100 cash rebate3
  • HK$0 Handling fee4
  • Loan amount of up to HK$3,000,000 or 12 times of the monthly salary5
  • Choice of repayment period from 6 months to 60 months
  • 1-minute approval6 and no income proof is required if you have maintained an auto payroll account with HSBC for one month or above7
  • Cash withdrawal from over 1,000 HSBC's ATMs and branches

HSBC also offers a Personal Tax Loan, with a repayment period of up to 24 months and two drawdown phases to choose from Apply online or by phone now!

Want to know the monthly repayment and other details of your Personal Instalment Loan?



Call   2748 80808
Click  www.hsbc.com.hk/loan9

Whether it is a Personal Instalment Loan or Personal Tax Loan, enjoy the same preferential interest rate, online and document submission offers. For details of preferential interest rate, refer to the table below:
As an illustration, total repayment amount is HK$10,216.8 based on HK$10,000 loan amount and 12 months repayment period. The highest APR of this promotion is 8.87%.

The monthly repayment amount and the Annualised Percentage Rate (APR) is calculated based on 12, 24, 36, 48 or 60-month repayment period and loan amount of every HK$10,000. The monthly repayment amount is rounded up to one decimal place. 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, HK$200 cash rebate, fees and charges of the product, expressed as an annualised rate. Please note that the actual monthly repayment amount may differ, Customers can refer to the Loan confirmation letter for actual related information.

*The 12-month and 24-month repayment periods are applicable to both Personal Instatement Loan and Personal Tax Loan



Remarks of the monthly repayment table
  1. The above table applies to customers who successfully apply for and draw down a personal instalment loan (the "Loan") with a minimum Loan amount of HK$5,000 (the "Customers") during the promotional period which commences on 19 October 2017 and ends on 30 January 2018, both dates inclusive (the "Promotional Period").
  2. The interest rate that will apply and the amount of interest that will be charged are calculated based on the approved Loan amount and the repayment period.
  3. Repayment of the entire Loan prior to the final Loan repayment date is subject to repayment of the outstanding principal amount of the Loan and a sum equal to 2% of initial approved Loan amount as stated in the Loan confirmation letter (notwithstanding any re-drawn Loan) as specified in Clause 5 of the Bank’s Personal Instalment Loan Terms and Conditions. The Bank reserves the right to debit such amounts from the Customer’s Loan repayment account or other accounts with the Bank (if applicable).
  4. The monthly repayment amount and the Annualised Percentage Rate (APR) is calculated based on 12, 24, 36, 48 or 60-month repayment period and loan amount of every HK$10,000. The monthly repayment amount is rounded up to one decimal place. 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, HK$200 cash rebate, fees and charges of the product, expressed as an annualised rate. Please note that the actual monthly repayment amount may differ, Customers can refer to the Loan confirmation letter for actual related information.
  5. The proportion of interest and principal in each monthly repayment is calculated according to the Rule of 78.
  6. If your Loan application cannot fulfil our credit requirement, the Bank may still process your application on a case-by-case basis, but the interest rate, handling fee, repayment period and/or promotional offer may be adjusted. The Bank will inform you on the finalised Loan details. If you accept the Loan details, we will credit the Loan into your repayment account according to normal procedure.
  7. Please contact our staff or call our hotline for details on other repayment periods.
Remarks
  1. Only applicable to customers who have successfully applied for and drawn down the loan during the promotional period which commences on 19 October 2017 and ends on 30 January 2018, both dates inclusive (the "Promotional Period") with an approved loan amount of HK$1,500,000 or above. Monthly flat rate is 0.08% and Annualised Percentage Rate (APR) is 1.77% for a repayment period of 12 months. 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, HK$200 cash rebate, fees and charges of the product, expressed as an annualised rate.
  2. To be eligible for HK$100 cash rebate, a customer must have successfully applied for and drawn down the loan with an amount of HK$100,000 or above via HSBC website www.hsbc.com.hk or HSBC Personal Internet Banking during the Promotional Period.
  3. To be eligible for HK$100 cash rebate, a customer must have successfully submitted supporting document(s) required by the Bank for the loan application during the Promotional Period with an approved loan amount of HK$100,000 or above.
  4. HK$0 handling fee is not applicable to any re-drawn part of the loan. Any re-draw of the repaid loan amount is subject to a re-draw change.
  5. The lower one applies.
  6. 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 input into the Bank's application evaluation system. Processing time may vary in some cases depending on the actual circumstances of individual applications.
  7. For irregular income earners (including customers working on a part-time, commission or profit-sharing basis, contractors, independent contractors or freelance), no income proof is required if they have maintained an auto payroll account with HSBC for at least three months.
  8. Hotline business hours: Monday to Friday: 9 am to 10 pm; Saturday: 9 am to 6 pm. Except public holidays.
  9. Logon to HSBC Personal Internet Banking, choose "Apply for Personal Instalment Loan" 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.
Promotional Terms and Conditions of HSBC’s Personal Instalment Loan
  1. The promotional period of personal instalment loan (“Loan”) commences on 19 October 2017 and expires on 30 January 2018, both dates inclusive (the “Promotional Period”).
  2. Customers who submit the Loan application to The Hongkong and Shanghai Banking Corporation Limited, Hong Kong (and its successors and assigns) (the “Bank”) and whose application is approved during the Promotional Period are eligible for the offers under this promotion (“Eligible Customers”).
    The Bank reserves the right to debit such amounts from the customer’s Loan repayment account or other accounts with the Bank (if applicable).
  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 for this promotion.
  5. In case of any dispute, the decision of the Bank shall be final and conclusive.
  6. In the event 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 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 successfully apply for and draw down the Loan with an amount of HK$100,000 or above via HSBC website www.hsbc.com.hk or HSBC Personal Internet Banking 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 31 May 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 31 May 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.

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

Reference number:Y7-U2-LPIL67