Cash Instalment Plan

HSBC HK
Credit Cards
Cash Instalment Plan

More cash, more financial flexibility with Cash Instalment Plan

Convert your available credit limit into cash, or transfer outstanding balance from other credit cards onto your HSBC credit card. Some of the benefits you'll enjoy with our Cash Instalment Plan include:

Make repayments flexibly over 6 to 60 months
Manage your debt easily with fixed monthly repayment amounts over a fixed repayment period
Get cash credited directly into your selected account
Receive cash in your account the same day your loan gets approved[@cards-same-day-disbursement] (within opening hours[@cards-sip-instant-approval])

Monthly handling fee

as low as

0.19%[@cards-cashinstalmonthlyhandlingfee]

Apply now go to apply card section

Submit supporting documents

You can also submit your supporting documents via HSBC HK Mobile Banking App.

Cash out your card limit with HSBC Cash Instalment

Enjoy up to HKD3,100 Spending Credit

From 4 September to 9 October 2025, apply for a Cash Instalment Plan and get approved with designated withdrawal amount and repayment period to get:

Up to HKD3,000 spending credit for new-to-lending customers

Withdraw a designated amount and select a repayment period of:

6 or 12 months – up to HKD500 spending credit
18 to 54 months – up to HKD2,000 spending credit
60 months – up to HKD3,000 spending credit

Up to HKD2,000 spending credit for other customers

Withdraw a designated amount and select a repayment period of:

18 to 54 months – up to HKD1,500 spending credit
60 months – up to HKD2,000 spending credit

HKD100 spending credit for document submission

Submit valid income proof and get an approved withdrawal amount of HKD30,000 or more to get an additional HKD100 spending credit.

Terms and conditions apply.

Extra $200 RewardCash

Until 28 February 2026, new HSBC credit card holder can enjoy an extra $200 RewardCash for a successful application for Cash instalment plan. T&Cs apply.

Apply HSBC credit cards

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Things you should know

Apply now

Via HSBC HK App

Complete your application in the HSBC HK App if you've already set up mobile banking.

Scan the QR code to open the HSBC HK App

QR code to be scanned with mobile device to generate mobile app account opening page journey for sole customers.

Apply now This link will open in a new window

By phone

Call us on our 24/7 application hotline to get started. (852) 2233 3051

Step 1

Go to 'Cards', choose your credit card, then select 'More'.

Step 2

Find 'More actions' and select 'Cash Instalment Plan'.

Step 3

Enter your instalment amount, choose a repayment option, then follow the instructions on the screen to apply. You'll receive a result on your application instantly.

Find out more

Early redemption penalty: 2% of the outstanding principal amount. For HSBC Privé, this fee is waived.

Yes, you can choose to make an early repayment. However, you'll be charged an early repayment fee that's 2% of your total outstanding principal amount. So you should consider this option carefully before deciding to make an early repayment. For HSBC Privé, the early repayment fee is waived.

You can choose to make an early repayment but you'll be charged an early repayment fee that's 2% of your total outstanding principal amount. For HSBC Privé, the early repayment fee is waived. The handling fees you save on may be less than the total early repayment fees and charges you'll have to pay. So you should consider your options and finances carefully before making a decision.

You can contact us to check how much you'll need to pay—including the outstanding principal amount, early repayment fee and any other charges—if you opt for an early repayment.

You can get more personalised information by using our Credit Card Repayment Calculator.

But as an illustrative example, we'll assume an outstanding balance of HKD20,000. We'll also assume that you make no additional charges, purchases or cash advances on your credit card. The following table shows how long it will take to repay the balance fully, and how much you'll pay in total.
If each month you pay	You'll pay off the outstanding balance* in about	You'll pay an estimated total of
The minimum payment due only (including 1% of the monthly instalment principal amount)	11.5 years**	HKD57,850***
HKD869	3 years**	HKD31,279*** (You save HKD26,570)

But as an illustrative example, we'll assume an outstanding balance of HKD20,000. We'll also assume that you make no additional charges, purchases or cash advances on your credit card. The following table shows how long it will take to repay the balance fully, and how much you'll pay in total.
If each month you pay	The minimum payment due only (including 1% of the monthly instalment principal amount)
You'll pay off the outstanding balance* in about	11.5 years**
You'll pay an estimated total of	HKD57,850***

If each month you pay	HKD869
You'll pay off the outstanding balance* in about	3 years**
You'll pay an estimated total of	HKD31,279*** (You save HKD26,570)

*The outstanding balance of HKD20,000 is accrued from purchases only.

**We'll assume that repayments were made on or before the payment due date of each statement month.

***This includes the outstanding balance of HKD20,000, and the total finance charge accrued daily on the outstanding balance until it's fully repaid. The finance charge is calculated at an interest rate of 2.65% per month (equivalent to an annualised percentage rate of 35.42% on purchases, 35.94% on cash advances).

See all FAQs

Spending Instalment Plan

Spend, Split and Sure WIN! Act now to enter the lucky draw - win up to $100,000 RewardCash.

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Important information

To borrow or not to borrow? Borrow only if you can repay! T&Cs apply.

You can cancel your Cash Instalment Plan by calling us at (852) 2233 3033 (HSBC Global Private Banking and HSBC Premier Elite customers), (852) 2233 3322 (HSBC Premier customers) or (852) 2233 3000 (Other personal banking customers) within 7 calendar days following the day of fund disbursement (cooling-off period). For more details, please refer to the product terms and conditions.

Key Facts Statement

More cash, more financial flexibility with Cash Instalment Plan

Monthly handling fee

Cash out your card limit with HSBC Cash Instalment

Enjoy up to HKD3,100 Spending Credit

Extra $200 RewardCash

dpws-tools-calculator-creator

Things you should know

Apply now

Via HSBC HK App

By phone

Check your application status in just a few taps

Step 1

Step 2

Step 3

Find out more

Product information

Fees and charges

Can I make an early repayment of my total outstanding amount?

Will I save on interest by making an early repayment for my Cash Instalment Plan?

How long will it take to repay my Cash Instalment Plan fully if I make the minimum payments only? What will be the total cost?

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