HSBC Personal Instalment Loan Balance Consolidation Program
The Hongkong and Shanghai Banking Corporation Limited
Intro
About this product
A personal loan from The Hongkong and Shanghai Banking Corporation Limited. Tenors run 12–84 months. On fees, handling fee HK$0, early repayment handling fee 2%, late payment fee HK$400. On early repayment, Early repayment of the instalment loan requires an early repayment handling fee, and any applicable promotional offers must be returned.
Fit
Who it suits
- Borrowers who prefer a longer tenor (up to 84 months)
- Borrowers who want the handling fee waived
Key facts
Key facts
Cost
APR
To be verified
Monthly flat rate
To be verified
handling fee HK$0 · No handling fee for transferring balances into this plan; the service charge table likewise states that the handling fee is subject to promotional offer terms
early repayment handling fee 2% · Charged at 2% of the outstanding principal upon early repayment, and any applicable promotional offers must be returned
late payment fee HK$400 · When the full monthly repayment is not paid on time, a late repayment handling fee of HK$400 is charged each time, plus interest at 2.25% per month on the overdue monthly repayment amount
Repayment
Tenor
12–84
Early repayment of the instalment loan requires an early repayment handling fee, and any applicable promotional offers must be returned.
The early repayment handling fee is 2% of the outstanding principal, and any applicable promotional offers must be returned.
This page lists no advance-notice period; customers may enquire with the Bank for the total early repayment amount and the outstanding interest.
Customers may call the designated hotline to cancel the loan within seven calendar days of loan disbursement (the cooling-off period).
Amount
Loan amount
To be verified
Effective from
21 Sep 2026
Reminder: borrow only what you can repay, and never pay a middleman.
Source: HSBC Balance Consolidation Last updated: Data follows the institution's official pages and is not investment or lending advice.