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 11 September 2019 and ends on 22 October 2019, 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 Straight-line method. 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 11 September 2019 and ends on 22 October 2019, 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. 
2. Applicable to loan applications submitted via HSBC website www.hsbc.com.hk or HSBC Personal Internet Banking and approved during the Promotional Period. A customer is entitled to HK$100 cash rebate for approved loan amount of HK$100,000 to less than HK$200,000, or is entitled to HK$200 cash rebate for approved loan amount of HK$200,000 to less than HK$500,000, or is entitled to HK$500 cash rebate for approved loan amount of HK$500,000 or above.
3. 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$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.
4. 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 charge.
5. The lower one applies.
6. 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.
7. 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.
8. 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.
9. The Bank may consider providing additional offers to customers based on their individual circumstances.

1. The promotional period of personal instalment loan (“Loan”) commences on 11 September 2019 and expires on 22 October 2019, both dates inclusive (unless otherwise specified) (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 offer(s) under this promotion (“Eligible Customers”).
3. Each Eligible Customer is entitled to the offer(s) once only under this promotion.
4. The cash rebate will be credited to each Eligible Customer’s Loan repayment account on or before 31 January 2020 (the “Offer Credit Date”) without further notice. Eligible Customers have to ensure their Loan repayment accounts are still valid on the Offer Credit Date in order to enjoy the offer(s).
5. An Eligible Customer who cancels his/her Loan on or before the Offer Credit Date will not be eligible for the offer(s). An Eligible Customer is required to return to the Bank any cash rebate earned under the applicable promotional offer(s) in case of early repayment of the Loan.
6. The Bank reserves the right to amend these Terms and Conditions at any time with appropriate notice.
7. Employees of the Bank and other members of the HSBC Group are not eligible for this promotion.
8. In case of any dispute, the decision of the Bank shall be final and conclusive.
9. In the event of any discrepancy between the English and Chinese versions of these Terms and Conditions, the English version shall apply and prevail.
10. These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
11. These Terms and Conditions are subject to prevailing regulatory requirements.
12. 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 Online Exclusive Offer only:

13. To be eligible for up to HK$500 cash rebate under the Online Exclusive Offer, an Eligible Customer must submit a Loan application via HSBC website www.hsbc.com.hk or HSBC Personal Internet Banking and the Loan must be approved during the Promotional Period. An Eligible Customer is entitled to HK$100 cash rebate for approved Loan amount of HK$100,000 to less than HK$200,000, or is entitled to HK$200 cash rebate for approved Loan amount of HK$200,000 to less than HK$500,000, or is entitled to HK$500 cash rebate for approved Loan amount of HK$500,000 or above.

Applicable to Document Submission Offer only:

14. 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 a Loan application and the Loan of HK$100,000 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.