Cash Instalment Plan

HSBC HK
Credit Cards
Cash Instalment Plan

More cash, more financial flexibility with Cash Instalment Plan

Convert your available credit limit into cash, or transfer outstanding balance from other credit cards onto your HSBC credit card. Some of the benefits you'll enjoy with our Cash Instalment Plan include:

Make repayments flexibly over 6 to 60 months
Manage your debt easily with fixed monthly repayment amounts over a fixed repayment period
Get cash credited directly into your selected account
Receive cash in your account the same day your loan gets approved^{1Footnote link 1} (within opening hours^{2Footnote link 2})

Monthly handling fee

as low as

0.20%^{3Footnote link 3}

Apply now go to apply card section

Submit supporting documents

You can also submit your supporting documents via HSBC HK Mobile Banking App.

Cash out your card limit with HSBC Cash Instalment

Enjoy up to 6 months handling fee rebate

From 15 May to 11 June 2025, apply for a Cash Instalment Plan and get approved to enjoy these handling fee rebates. Withdraw HKD30,000 or more, and choose designated repayment period to avail this offer. (Total rebate amount capped at HKD2,500):

New-to-lending customer

2 months handling fee rebate on repayment period of 24 to 42 months
3 months handling fee rebate on repayment period of 48 or 54 months
6 months handling fee rebate on repayment period of 60 months

Other customer

1 month handling fee rebate on repayment period of 24 to 42 months
2 months handling fee rebate on repayment period of 48 or 54 months
4 months handling fee rebate on repayment period of 60 months

Terms and conditions apply. This link will open in a new window

Extra $200 RewardCash

Until 31 August 2025, new HSBC credit card holder can enjoy an extra $200 RewardCash for a successful application for Cash instalment plan. T&Cs apply This link will open in a new window.

Apply HSBC credit cards

Things you should know

Apply now

Via HSBC HK App

If you have the HSBC HK App installed on your device and have set up mobile banking, you can complete your application in the app.

Apply now This link will open in a new window

Apply without logging on This link will open in a new window

By phone

Call us on our 24/7 application hotline to get started.

(852) 2233 3051

Download and fill out an application form This link will open in a new window, then mail it back to us with the required documents to the address specified on the form.

Scan the QR code to open the HSBC HK App

Apply and see your application status instantly

Check your status in just a few taps

You can apply for a Cash Instalment Plan and see your plan details easily on the HSBC HK Mobile Banking app. Simply log on and follow these steps.

Step 1: Select the card you want to apply with, tap 'View more', 'Create or view Cash Instalment Plan', then 'Get started'.
Step 2: Read the introduction, select 'Continue', then read the key facts statement and product terms and conditions.
Step 3: Enter the amount you want to apply for, select a repayment plan and fill in other information, then confirm the details to submit your application and see your application status instantly!

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Find out more

Early redemption penalty: 2% of the outstanding principal amount. For HSBC Privé, this fee is waived.

Yes, you can choose to make an early repayment. However, you'll be charged an early repayment fee that's 2% of your total outstanding principal amount. So you should consider this option carefully before deciding to make an early repayment. For HSBC Privé, the early repayment fee is waived.

You can choose to make an early repayment but you'll be charged an early repayment fee that's 2% of your total outstanding principal amount. For HSBC Privé, the early repayment fee is waived. The handling fees you save on may be less than the total early repayment fees and charges you'll have to pay. So you should consider your options and finances carefully before making a decision.

You can contact us to check how much you'll need to pay—including the outstanding principal amount, early repayment fee and any other charges—if you opt for an early repayment.

You can get more personalised information by using our Credit Card Repayment Calculator.

But as an illustrative example, we'll assume an outstanding balance of HKD20,000. We'll also assume that you make no additional charges, purchases or cash advances on your credit card. The following table shows how long it will take to repay the balance fully, and how much you'll pay in total.
If each month you pay	You'll pay off the outstanding balance* in about	You'll pay an estimated total of
The minimum payment due only (including 1% of the monthly instalment principal amount)	11.5 years**	HKD57,850***
HKD869	3 years**	HKD31,279*** (You save HKD26,570)

But as an illustrative example, we'll assume an outstanding balance of HKD20,000. We'll also assume that you make no additional charges, purchases or cash advances on your credit card. The following table shows how long it will take to repay the balance fully, and how much you'll pay in total.
If each month you pay	The minimum payment due only (including 1% of the monthly instalment principal amount)
You'll pay off the outstanding balance* in about	11.5 years**
You'll pay an estimated total of	HKD57,850***

If each month you pay	HKD869
You'll pay off the outstanding balance* in about	3 years**
You'll pay an estimated total of	HKD31,279*** (You save HKD26,570)

*The outstanding balance of HKD20,000 is accrued from purchases only.

**We'll assume that repayments were made on or before the payment due date of each statement month.

***This includes the outstanding balance of HKD20,000, and the total finance charge accrued daily on the outstanding balance until it's fully repaid. The finance charge is calculated at an interest rate of 2.65% per month (equivalent to an annualised percentage rate of 35.42% on purchases, 35.94% on cash advances).

See all FAQs

Spending Instalment Plan

Unlock better budgeting – turn your credit card transactions or statement balance into 6 to 60 monthly instalments.

Loans

Lending to help you reach your financial goals and make the most of life.

Credit cards

Credit cards that let you make the most out of your money, no matter your lifestyle.

Important information

To borrow or not to borrow? Borrow only if you can repay! T&Cs apply.

Applies to applications where the entire approved amount will be disbursed to an HSBC personal bank account.
Our system will process applications in real time between 9:00am to 8:00pm, Mondays to Fridays; 9:00am to 5:00pm on Saturdays; and 9:00am to 12:00am on Sundays and public holidays.
The personalised 0.20% monthly handling fee for an HSBC Cash Instalment Plan applies to selected customers and approved withdrawal amounts that meet specific requirements. It is for reference only. HSBC will determine the handling fee from time to time for individual promotions. The annualised percentage rates (APR) of the 0.20% monthly handling fee are as follows:

4.18% for 6 months, 4.49% for 12 months, 4.59% for 18 months, 4.64% for 24 months, 4.66% for 30 months, 4.67% for 36 months, 4.67% for 42 months, 4.66% for 48 months, 4.66% for 54 months, 4.65% for 60 months.

The annualised percentage rate ('APR') is calculated using the 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 minimum withdrawal amount is HKD2,000; the maximum withdrawal amount if 100% of the credit limit on the cardholder's designated HSBC credit card account.

Key Facts Statement

More cash, more financial flexibility with Cash Instalment Plan

Monthly handling fee

Cash out your card limit with HSBC Cash Instalment

Enjoy up to 6 months handling fee rebate

Extra $200 RewardCash

Things you should know

Apply now

Via HSBC HK App

By phone

Other ways to apply

Scan the QR code to open the HSBC HK App

Apply and see your application status instantly

Check your status in just a few taps

Find out more

Product information

Fees and charges

Can I make an early repayment of my total outstanding amount?

Will I save on interest by making an early repayment for my Cash Instalment Plan?

How long will it take to repay my Cash Instalment Plan fully if I make the minimum payments only? What will be the total cost?

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Important information