Plans on hold recently because of holiday expenses and your tax bill? Don't worry. Start the new year with peace of mind by applying for a Personal Instalment Loan and you can enjoy the following promotion until 6 March 2023.

1. Only applicable to customers who have successfully applied for and drawn down the loan during the promotional period which commences on 8 February 2022 and ends on 6 March 2023 , both dates inclusive (the "Promotional Period") with an approved loan amount of HK$1,500,000 or above. Based on a monthly flat rate of 0.10%, the Annualised Percentage Rate (APR) is 2.25% over 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$5,000 cash rebate under the Successful Application Offer and HK$300 cash rebate under the Document Submission Offer.

3. a.

   Only applicable to Loan applications submitted and approved during the Promotional Period with a repayment period of 60 months. A customer is entitled to a HK$500 cash rebate for an approved Loan amount of HK$100,000 to less than HK$200,000, or a HK$1,000 cash rebate for an approved Loan amount of HK$200,000 to less than HK$1,000,000, or a HK$2,000 cash rebate for an approved Loan amount of HK$1,000,000 to less than HK$1,500,000, or a HK$5,000 cash rebate for an approved Loan amount of HK$1,500,000 or above; or
   b.

   Only applicable to Loan applications submitted and approved during the Promotional Period with a repayment period of more than 24 months to less than 60 months. A customer is entitled to a HK$500 cash rebate for an approved Loan amount of HK$100,000 to less than HK$200,000, or a HK$1,000 cash rebate for an approved Loan amount of HK$200,000 to less than HK$1,000,000, or a HK$2,000 cash rebate for an approved Loan amount of HK$1,000,000 or above; or
   c.

   Only applicable to Loan applications submitted and approved during the Promotional Period with a repayment period of 12 to 24 months. A customer is entitled to a HK$300 cash rebate for an approved Loan amount of HK$100,000 to less than HK$200,000, or a HK$500 cash rebate for an approved Loan amount of HK$200,000 to less than HK$1,000,000, or a HK$1,500 cash rebate for an approved Loan amount of HK$1,000,000 or above.

4. 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.
5. $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.
6. 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.
7. 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.
8. 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.
9. 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.
10. 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.
11. The screen displays are for reference and illustration purposes only.

When can you enjoy the offer

1. The promotional period for the offer is from 8 February 2023 to 6 March 2023.

What is the offer

2. You can enjoy cash rebate for your approved application of Personal Instalment Loan (“Loan”) during the promotional period.

How can you enjoy the offer

Successful Application Offer:

3. a.

   If you submit a Loan application and the Loan is approved during the promotional period with a repayment period of 60 months, you will be eligible for a HK$500 cash rebate for an approved Loan amount of HK$100,000 to less than HK$200,000, or a HK$1,000 cash rebate for an approved Loan amount of HK$200,000 to less than HK$1,000,000, or a HK$2,000 cash rebate for an approved Loan amount of HK$1,000,000 to less than HK$1,500,000, or a HK$5,000 cash rebate for an approved Loan amount of HK$1,500,000 or above; or
   b.

   If you submit a Loan application and the Loan is approved during the promotional period with a repayment period of more than 24 months to less than 60 months, you will be eligible for a HK$500 cash rebate for an approved Loan amount of HK$100,000 to less than HK$200,000, or a HK$1,000 cash rebate for an approved Loan amount of HK$200,000 to less than HK$1,000,000, or a HK$2,000 cash rebate for an approved Loan amount of HK$1,000,000 or above; or
   c.

   If you submit a Loan application and the Loan is approved during the promotional period with a repayment period of 12 to 24 months, you will be eligible for a HK$300 cash rebate for an approved Loan amount of HK$100,000 to less than HK$200,000, or a HK$500 cash rebate for an approved Loan amount of HK$200,000 to less than HK$1,000,000, or a HK$1,500 cash rebate for an approved Loan amount of HK$1,000,000 or above.

Document Submission Offer:

4. If you submit the supporting document(s) required by us for a Loan application and a Loan of HK$100,000 or above is approved during the promotional period, you will be eligible for a cash rebate of HK$300. This offer is not applicable if we do not require submission of supporting document for the Loan application.

Read before you enjoy the offer

5. You are entitled to enjoy the offer(s) only once under this promotion.
6. The cash rebate will be credited to your Loan repayment account on or before 30 June 2023 (the “Offer Credit Date”) without further notice. You have to ensure your Loan repayment accounts are still valid on the Offer Credit Date in order to enjoy the offer(s).
7. If you cancel your Loan on or before the Offer Credit Date, you will not be eligible for the offer(s). You shall be required to return to us any cash rebate earned under the applicable promotional offer(s) in case of early repayment of the Loan.
8. We can change or cancel the offer(s) or amend the terms and conditions. Please check our website for the latest details, availability and terms and conditions of the offer(s).
9. In case of any dispute arising out of this promotion, our decision shall be final and conclusive.
10. We write the terms and conditions of the offer(s) under Hong Kong laws. In the event of any discrepancy or inconsistency between the English version and the Chinese version of the promotional materials and these terms and conditions, the English version shall prevail.