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Spending Instalment Plan

Unlock better budgeting – turn your credit card transactions or statement balance into 6 to 60 monthly instalments.

Give yourself some flexibility with your spending

Need to turn your spending into instalments you can repay over a longer period? Our Spending Instalment Plan lets you convert multiple credit card transactions into instalments you can repay over 6 to 60 months. 

  • Make repayments flexibly over 6 to 60 months
  • Combine multiple credit card transactions into a single instalment planFootnote link 1
  • See your application status instantlyFootnote link 2, along with your monthly repayments and daily average handling fees

Extra $200 RewardCash

From now until 30 June 2025, new HSBC credit card holder can enjoy an extra $200 RewardCash for a successful application for Spending Instalment Plan. T&Cs apply This link will open in a new window.

Apply via the HSBC HK App, the Reward+ app or by phone

Apply in just a few minutes on the HSBC HK App

See how you can apply for a Spending Instalment Plan on the HSBC HK Mobile Banking app and get approved instantlyFootnote link 2.

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    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.

    Via the Reward+ app

    Learn how to apply via the Reward+ app and get approved instantlyFootnote link 2.

    By phone

    Call us on our 24/7 application hotline to get started. (852) 2233 3052

    Scan the QR code to open the HSBC HK App

    Find out more

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    Important information

    To borrow or not to borrow? Borrow only if you can repay! T&Cs apply.
    1. The promotional period is 4 March 2025 to 3 June 2025, both dates inclusive. The Spending Instalment Plan only applies to posted purchase transactions billed on the current statement and unbilled purchase transactions during the promotional period, ie previous purchase transactions are not eligible to be settled under the Spending Instalment Plan. Other transactions, including but not limited to cash advances, instalment plans, Octopus AAVS, all fees and charges, withdrawal amount under the Cash Instalment Plan/Cash Credit Plan, casino transactions, purchase and/or reload of stored value cards or e-Wallets, transaction at non-financial institutions (including purchase of foreign currency, money orders and travellers cheques), transaction at financial institutions (including purchase of merchandise and services from banks) and wire transfer will not qualify. The cardholder must apply for Spending Instalment Plan at least 3 working days before the payment due date of the relevant purchase.

    2. You can submit your application for the Spending Instalment Plan any time on the HSBC HK Mobile Banking app or the Reward+ app. Applications will be processed in real time by our systems during these hours:

      Mondays to Fridays: 9:00am to 8:00pm

      Saturdays: 9:00am to 5:00pm

      Sundays and public holidays: 9:00am to 12:00am

    3. The 0.18% monthly handling fee is applicable to selected customers with instalment amount of HKD500,000 or above, and is for reference only. The annualised percentage rate is 3.76% (calculated based on 6 months repayment period); 4.04% (calculated based on 12 months repayment period); 4.13% (calculated based on 18 months repayment period); 4.17% (calculated based on 24 months repayment period) ; 4.19% (calculated based on 30 months repayment period) ; 4.20% (calculated based on 36 months repayment period) ; 4.20% (calculated based on 42 months repayment period) ; 4.20% (calculated based on 48 months repayment period) ; 4.20% (calculated based on 54 months repayment period) ; 4.19% (calculated based on 60 months repayment period). The handling fee and annualised percentage rate may differ based on individual customer eligibility. The handling fee rate offered to a cardholder or additional cardholder under different card accounts or primary card accounts may not be the same. Please call us on (852) 2233 3052 ; or log on to Reward+ app, HSBC HK Mobile Banking app to check your personalized handling fees and annualised percentage rate. The annualised percentage rate ('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. As an illustration, the total repayment amount is HKD510,800 based on an instalment amount of HKD500,000 instalment for a 12-month instalment plan.