Personal Instalment Loan

What you need to know

What is a Personal Instalment Loan?

A personal instalment loan is an HSBC loan that allows you to borrow up to HKD600,000 and repay the loan in fixed instalments.

Features

Fast loan application approval and cash withdrawal within 5 minutes to provide you instant cash needs.^*
You can redraw the amount you need or the entire repaid principal without re-application**.
Enjoy '30-Day Service Pledge'
Borrow a personal loan of up to HKD600,000 or 6 times your monthly salary, whichever is lower.
Benefit from great rates - the higher the personal loan, the lower the interest.
Enjoy a personal loan repayment schedule of 6 to 48 months according to your needs.
Proof of income is not required if you have been maintaining a payroll account with HSBC for the past one month. Irregular income earners (including customers working as part-time, on commission or profit sharing basis) are required to provide income proof of the past 3 months.

What else should I know?

Next steps..

HSBC Internet Banking Users
- WITH a Security Device

HSBC Internet Banking Users
- WITHOUT a Security Device

Not yet a HSBC Internet Banking User

Need Help?

Call (852) 2748 8080

Manage your loan...

Logon to HSBC Internet Banking to view your loan balance and more.

How much will it be?
Applicable only to Personal Instalment Loan

Loan amount (HKD)

Maximum HKD 600,000 or 6 x monthly salary whichever is the lower

Interest rate (% flat per month)

view rates table

Loan period (months)

6-48 months, according to your needs

What will it cost per month?

Repayment: HK$

The repayment figure is for indication only and applies to Personal Instalment Loans. It assumes a handling charge equivalent to 1% per annum is to be advanced as a further loan.

Ready to apply?

*Applications have to be submitted during the Bank's service hours (Mon-Fri: 9am-8pm, Sat 9am-1pm, 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.
**Minimum redraw is HKD3,000 and you must have had a Personal Instalment Loan account for at least 3 months. The Bank reserves the final right of allowing customers to redraw or not and has sole discretion to determine the redrawn amount and tenor.