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HSBC Revolving Credit Facility

160th anniversary limited-time offer - Apply now for a Revolving Credit Facility and enjoy a 3-month intro rate as low as 1.60% p.a. (APR 1.61%Footnote link 1)

Revolving credit for evolving needs

Our Revolving Credit Facility offers you the flexibility of unlimited withdrawals within the credit line and setting your own credit repayment schedule. You'll only pay interest on the credit you use, and the credit limit will be restored automatically after each repayment. 

  • Fast loan application approval and withdrawal
  • No fixed repayment period
  • Pay interest for only what you use

Your first 3 months

As low as

1.60% p.a.Footnote link 1

APR

As low as

1.61%Footnote link 1

160th anniversary limited-time offer

  • The total interest, daily interest, and Annualised Percentage Rate (APR) shown in the calculator are for indication only and not meant to be final.
  • The rates for individual customers may vary. Please call our hotline or log on to HSBC HK Mobile Banking app to enquire about your eligible rates including APR and repayment information.
  • The interest payment is for reference only.
  • The APR is calculated using the 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.
  • View Key Fact Statements.
  • Terms and conditions apply.

A loan is just a few steps away

You can apply for a loan quickly and easily on the HSBC HK Mobile Banking app.

  1. Log on to HSBC HK App.
  2. Go to 'Home', scroll down and select 'Loans'.
  3. Select 'Revolving Credit Facility' and follow the instructions to complete your application.
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    Things you should know

    Eligibility

    To apply for an HSBC Revolving Credit Facility, you must:

    • be a Hong Kong resident
    • be at least 18 years old
    • have a monthly income of at least HKD5,000

    Apply now

    Via HSBC HK App

    If you have the HSBC HK App installed on your device and have set up mobile banking, you can complete your application in the app.

    Apply over the phone

    Call us on our 24/7 application hotline to get started.

    (852) 2748 8080

    What you need to know before you borrow

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    Notes

    1. For the first 3 months' introductory interest rate period, interest rate is as low as 1.60% p.a. and Annualised Percentage Rate (APR) is as low as 1.61% for all approved credit limits. To be eligible for an introductory interest rate of 1.60% p.a. (Annualised Percentage Rate of 1.61%) for all approved credit limits of the Loan for the first 3 months (being the period from the date of Loan disbursement to the third statement date of the respective account), you must be our selected customer and do not hold or obtain any approved Revolving Credit Facility from us for the past 12 months immediately preceding your Loan approval date and you must submit a Loan application and obtain the approval of the Loan during the promotional period; and you must submit a Loan application and obtain the approval of the Loan during the promotional period. For interest rate (p.a.) following the first 3 months, APR and your applicable interest rate, please call our hotline 27488080 or log on to HSBC HK App. 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. An annual fee of 1% of the approved credit limit per annum (up to a maximum of HKD1,000) shall apply, subject to a first-year annual fee waiver.
    3. Apply online to enjoy up to HKD100 in cash rebate. To be eligible for a HKD100 cash rebate, the customer must successfully apply for and draw down a loan of HKD100,000 or above via the HSBC website (www.hsbc.com.hk) or HSBC HK App. Terms and conditions apply.
    4. Submit supporting document(s) required by the Bank for the loan application to enjoy HKD100 cash rebate: To be eligible for HKD100 cash rebate, a customer must successfully submit supporting document(s) required by the Bank for the loan application during the Promotional Period with an approved loan amount of HKD100,000 or above. Terms & Conditions apply.

    Important information 

    • Applications have to be submitted during the Bank's service hours (Mondays to Fridays: 9:00am to 8:00pm, Saturdays: 09:00am to 5:00pm, Sundays and public holidays: 12:00pm to 12:00am), 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 input 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. 
    • The minimum monthly repayment amount will be calculated according to the formula set out in the Confirmation Letter. Should the Statement Date fall on a holiday, interest will be debited to the Facility Account on the last working date preceding the Statement Date. 
    • Once your loan application has been approved, the loan amount (which excludes any applicable annual service fees) will be credited directly to your designated HSBC account without prior notice. Interest will be calculated once the loan amount is credit to your designated account.
    • Please note that we do not appoint any third parties to refer Revolving Credit Facility applications to us and will not process any application that was referred by a third party under beneficial arrangement. For enquiry, please call our hotline at (852) 2233 3000 This link will open in a new window.
    • To borrow or not to borrow? Borrow only if you can repay!