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 27 July 2018 and ends on 4 September 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. You may repay the outstanding principal amount of the Loan (in whole but not in part) ahead of the final repayment date. If you choose to do so, we will charge a fee equal to a percentage (specified by us at the time) of the outstanding principal amount. You are required to repay applicable promotional offers in case of early repayment (subject to promotional terms and conditions).
4. The proportion of interest and principal in each monthly repayment is calculated according to the Rule of 78. Further information available on our HSBC website (Borrowing> Loans>Personal Instalment Loan>Frequently Asked Questions).
5. 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.
6. Please contact our staff or call our hotline for details on other repayment periods.

1. Only applicable to customers who have successfully applied for and drawn down the loan during the promotional period which commences on 27 July 2018 and ends on 4 September 2018, both dates inclusive (the "Promotional Period") with an approved loan amount of HK$800,000 or above. Monthly flat rate is 0.13% and Annualised Percentage Rate (APR) is 2.92% 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.
2. 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$50,000 or above.The Document Submission Offer is not applicable to loan applications on which the Bank does not require submission of any supporting document.
3. 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.
4. The lower one applies.
5. To enjoy the flexibility of instant loan approval and disbursement, applications have to be submitted during our service hours (Monday-Friday: 9 am - 8 pm, Saturday: 9 am - 1 pm, except public holidays, or individual branch's opening hours). The Bank may provide the instant application result and fund disbursement upon receipt of the application, required information (including a valid HSBC account number for fund disbursement) and all the required documents (if any). Customers who do not hold a HSBC account can instantly apply for one via any HSBC branch for loan application. Actual loan application approval date and drawdown date start when the Bank has successfully inputted all the required information into the application evaluation system. Processing time may vary in some cases depending on the actual circumstances of individual applications.
6. 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.
7. Hotline business hours: Monday to Friday: 9 am to 10 pm; Saturday: 9 am to 6 pm. Except public holidays.
8. 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.

1. The promotional period of personal instalment loan ("Loan") commences on 27 July 2018 and expires on 4 September 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”).
3. The Bank reserves the right to amend these Terms and Conditions at any time with appropriate notice. The Document Submission Offer is not applicable to loan applications on which the Bank does not require submission of any supporting document.
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 Document Submission Offer only:

10. 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$50,000 or above must be approved during the Promotional Period.The Document Submission Offer is not applicable to loan applications on which the Bank does not require submission of any supporting document.
11. Each Eligible Customer is entitled to the Document Submission Offer once only under this promotion.
12. The cash rebate will be credited to each Eligible Customer's Loan repayment account on or before 31 December 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.
13. 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. An Eligible Customer is required to return to the Bank any cash rebate earned under the applicable promotional offers in case of early repayment of the Loan.