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Uh, oh. It’s Tax time again! But what if this once-a-year tradition could become a once-a-year opportunity? With low interest rates and plenty of rewards, you can smartly use Future Money for future planning. Apply successfully for a Personal Instalment Loan and enjoy the below offers until 30 January 2024. Don’t miss out!


Annualised Percentage Rate as low as 1.68%1
Successful application offer of up to $13,888 rewards3
Document submission offer of HK$300 cash rebate4

Annualised Percentage Rate as low as 1.68%1

Successful application offer of up to $13,888 rewards3

Document submission offer of HK$300 cash rebate4

 

  • $0 handling fee5
  • Loan amount of up to HK$3 million or 23x your monthly salary, whichever is lower6
  • Repayment period up to 60 months
  • 1-minute approval7 and no income proof is required if you have maintained an auto payroll account with HSBC for one month or above8
  • Enjoy our early redemption fee waiver within 30 days of the draw down date9
  • Cash withdrawal from over 1,000 HSBC's ATMs and branches
  • Redraw 100% of the principal amount you have repaid when you need to, without having to apply again10
Additional offers:

Additional $288 RewardCash for New-to-Credit Card customers12,14

Additional HK$288 cash rebate for FX customers13,14

Apply 24/7: 
HSBC HK App (Scroll down at Home screen > Loans > Personal Instalment Loan)
hsbc.com.hk/loan
2748 8080

Simple steps for loan application via HSBC HK App11

Note: The APR of this promotion ranges from 2.08% to 21.70%, with repayment period of 6 to 60 months.

Remarks Remarks
  1. Only applicable to customers who have successfully applied for and drawn down the loan during the promotional period which commences on 14 December 2023 and ends on 30 January 2024 (the “Promotional Period”). The monthly flat rate is 0.10% and the respective Annualised Percentage Rate (APR) is 1.68% (calculated including HK$2,500 cash rebate and $2,000 RewardCash under the Successful Application Offer) and 2.25% (calculated without any cash rebate or RewardCash) 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, fees and charges of the product, expressed as an annualised rate.For your applicable interest rate, please call our hotline 2748 8080; log on to Online Banking or the HSBC HK App. 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. 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.
  2. It comprises the total sum of up to HK$8,888 cash rebate and up to $5,000 RewardCash under the Successful Application Offer.
  1. For offer details of up to HK$8,888 cash rebate and up to $5,000 RewardCash, please refer to Terms and Conditions for HSBC’s Personal Instalment Loan Promotion clause 3.
  1. Only applicable to customers who successfully submit 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. The Document Submission Offer is not applicable to loan applications on which the Bank does not require submission of any supporting document.
  2. $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 charge.
  3. The lower one applies. The final approved loan amount, which is calculated by way of monthly salary multiples, is subject to change in accordance with the circumstances of individual cases.
  4. Applications have to be submitted during the Bank’s service hours (Monday to Friday: 9 am - 8 pm, Saturday: 9 am - 5 pm, Sunday and public holidays: 12 noon - 12 midnight, or individual branch’s opening hours) with all required information (including without limitation a valid HSBC banking account number) and documents. The actual turnaround time starts when all the required information is successfully inputted into the Bank’s application evaluation system and the Bank may provide the instant application result and fund disbursement. Processing time may vary in some cases depending on the actual circumstances of individual applications.
  5. 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.
  6. The offer is only applicable to customers applying for HSBC’s Personal Instalment Loan and it is not applicable to loan redrawn. Early repayment fee of 2% of outstanding principal amount will be waived subject to repayment of the outstanding principal amount of the loan and the daily interest, calculated on a pro rata basis, incurred between the date of drawdown and the date the Early Repayment Application Form is received by HSBC. The calculation of interest payable shall be in accordance with the method applied by HSBC from time to time in apportioning repayments between interest and principal. Please click here for 30-day service pledge terms and conditions.
  7. Minimum redraw amount is HK$3,000 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. For enquiry, please visit our website or call our 24-hour application hotline on 2748 8080.
  8. The screen displays are for reference and illustration purposes only.
  1. During the promotional period, if you:
    a.
    are a New-to-Credit Card Customer and successfully apply for any personal primary HSBC EveryMile Credit Card, HSBC Premier Mastercard®, HSBC Visa Signature Card, HSBC Visa Platinum Card, HSBC Visa Gold Card, HSBC Pulse UnionPay Dual Currency Diamond Credit Card, HSBC UnionPay Dual Currency Credit Card or HSBC Red Credit Card issued in Hong Kong and that Credit Card is approved; and
    b.
    submit a Personal Instalment Loan or Personal Tax Loan application and the Loan is approved with a repayment period of 12 months or above and the approved Loan amount of HK$100,000 or above, you can enjoy an extra $288 RewardCash.
  1. Additional HK$288 cash rebates only applicable to customers who have accumulated eligible FX transaction of HK$100,000 (or its equivalent), and submit a Loan application and the loan is approved with loan amount HKD100,000 or above and with a repayment period of 12 months or above during promotional period.
  1. For more details on Personal Tax Loan, please visit our website.

Terms and Conditions for HSBC’s Personal Instalment Loan Promotion

Key Facts Statement

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

Reference number:  Y23-U2-LPIL611

 

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