HSBC Personal Instalment Loan

Updated September 2019
$212,720Total Amount Payable
$12,720Total Interest Payable

Key features
Key Features
  • Monthly flat rate as low as 0.13% (APR as low as 2.92%)
  • Online offer of up to HK$500 cash rebate
  • Document submission offer of HK$100 cash rebate
  • HK$0 handling fee
  • Loan amount of up to HK$1,500,000 or 12 times of the monthly salary
  • Choice of repayment period from 6 months to 60 months
  • 1-minute approval and no income proof is required if you have maintained an auto payroll account with HSBC for one month or above
  • 30-day service pledge – early redemption fees waiver
  • Cash withdrawal from over 1,000 HSBC's ATMs and branches
Repayment Summary

Principal Loan Amount


Total Interest Payable


Total Amount Payable


Annual Percentage Rate


Monthly Payment


Repayment Period

12 months

Terms and Conditions
Fee & Charges

Late Payment Fee

HK$400 on each occasion if bank do not receive monthly repayment in full on its due date

Early Settlement Fee

2% of outstanding principal amount plus repayment of any applicable promotion offers

Age Requirement

18 years old or above

Residency Status

Hong Kong resident

Employment Status

You must have a monthly income of at least HK$5,000

The APR includes the basic interest rate, as well as any other fees and charges (i.e.: Handling Fee) so that it reflects the actual total cost of borrowing. The actual APR applicable may differ, please check with the provider to confirm your final APR based on your loan.

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Monthly Payment