Spending Instalment Plan

Key Facts Statement (PDF)

If you pay the amount back earlier than scheduled, you'll need to pay an early redemption penalty comprising of:

• the outstanding monthly handling fees for the remaining period under the instalment plan
• any applicable interest for the same period
• an administration fee of HKD300

For HSBC Privé, the early repayment fee is waived.

Yes, you can choose to make an early repayment. However, you'll be charged an administration fee of HKD300 on top of the total outstanding monthly fee for your remaining instalments and any interest. So you should consider this option carefully before deciding to make an early repayment. For HSBC Privé, the early repayment fee is waived.

No, you won't be charged any interest if you repay the payment amount due on or before its due date each month. Otherwise, you'll be charged interest on all your outstanding balances based on the prevailing interest rate that applies to your credit card account.

Although you won't be charged any interest, you'll be charged a handling fee for your Spending Instalment Plan. You can call our 24/7 application hotline, or log on to HSBC HK App or Reward+ app to ask about your monthly handling fees.

No, you won't need to provide any receipts or supporting documents with your application.

Each application must be for at least HKD1,000.