Top of main content

Cash Instalment Plan

Apply with monthly handling fee as low as 0.16% (APR 3.58%) and up to HKD1,100  spending credit.

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

Convert your credit card limit into cash easily with a Cash Instalment Plan. Enjoy a preferential monthly handling fee and spending credit. T&Cs apply.

Convert your available credit limit into handy cash or transfer the outstanding balance from another credit card to your HSBC credit card account to reduce interest expenses. HSBC credit card Cash Instalment plan allows you to repay your approved amount by 6-60 months instalment. Apply now to enjoy your financial flexibility.

Exclusive offer

  • Up to HKD1,100 spending credit. Terms and Conditions apply.


  • Personalised monthly handling fee as low as 0.16%1

  • 6-60 months repayment periods

  • Scheduled monthly repayment with fixed repayment amount and repayment period

  • Direct cash disbursement to your designated account

Example – calculation of monthly repayment amount for the HSBC credit card Cash Instalment Plan

Assume withdrawing HKD200,000 with a monthly handling fee of 0.16% and repaying by 36 months, the daily handling fee is only HKD10.67* 
Monthly Instalment Principal
  Monthly Handling Fee
  Monthly Repayment Amount


(= HKD200,000 ÷ 36)


HKD320(= HKD200,000 x 0.16%)


= HKD5,875.56

*Assume 30 calendar days per month, daily handling fee is only HKD10.67 ( = HKD200,000 x 0.16% ÷ 30). The annualised percentage rate is 3.73% (calculated based on 36 months repayment period). This example is based on a customer making full payment of monthly repayment amount.

Product resources and services


Submit supporting document for Cash Instalment Plan application.

Related products


Get greater financial flexibility when you repay your credit card balance by instalments.


Fixed monthly payments so you can plan accurately.


Enjoy exclusive rewards and privileges when you shop, eat and travel with an HSBC credit card.

To borrow or not to borrow? Borrow only if you can repay!


  1. The 0.16% personalised monthly handling fee of HSBC credit card Cash Instalment Plan is applicable to selected customers and the approved withdrawal amount has to reach the specific requirement, and is for reference only. The handling fee is to be determined by HSBC from time to time for individual promotion. The annualized percentage rate ("APR") of 0.16% monthly handling fee are as follows: 3.33% for 6 months, 3.58% for 12 months, 3.67% for 18 months, 3.71% for 24 months, 3.72% for 30 months, 3.73% for 36 months, 3.74% for 42 months, 3.74% for 48 months, 3.73% for 54 months, 3.73% for 60 months.The APR is calculated based on the requirement of the Code of Banking Practice. APR is a reference rate which expresses the fees and charges of respective product as an annualized rate. The minimum withdrawal amount is HKD2,000 and the maximum withdrawal amount is 100% of the credit limit of the cardholder's designated HSBC credit card account.
  2. Please note that we do not appoint any third parties to refer Cash Instalment Plan 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