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View the relevant Key Facts Statement.
Cash Instalment helps you cash out your credit limit from credit card and disburse to your bank account for flexible use. You can repay by monthly instalment at a monthly handling fee as low as 0.18% (APR as low as 3.76%)1. Monthly repayment will be billed to your credit card account and you can settle together with other retail spending transaction in credit card statement.
Enjoy up to HKD 3,500 handling fee rebate
Selected customers can get the cash within minutes with instant approval, no documents required2&6
Personalised monthly handling fee as low as 0.18%1
6 - 60 months flexible repayment period
Cash will be disbursed to your designated account
Selected customers can increase your credit limit instantly to withdraw more cash2&6&7
Enjoy 7-day cooling off period. No handling fee and administration fee8
You can download Hang Seng Mobile App from the app store, then log on and go to left menu > "Cards" > "Instalment Plans" > "Cash Instalment" or call (852) 2998 6868 to apply for cash instalment.
Up to HKD3,500 handling fee rebate3 by applying on or before 24 Nov 2025
Home renovation
Mr. Lau is planning to decorate his home for his family of three but short of cash. His budget is around HKD 100,000 and his personalised monthly handling fee is 0.18%1. He wishes to repay less than HKD 2,000 per month to soothe his financial burden, so he chooses to repay in 60 months.
Monthly repayment4 for Mr. Lau
= (Cash out amount ÷ Repayment period) + Monthly handling fee
= (HKD 100,000 ÷ 60) + (HKD 100,000 x 0.18%)
= HKD 1,846.67
Answer the simple questions below and get your credit card cash instalment plan
Debt Consolidation Instalment Loan | Credit Card Minimum Payment |
---|
Debt Consolidation Instalment Loan | Credit Card Minimum Payment | |
---|---|---|
Monthly repayment amount | HKD - | Minimum Payment |
Total interest amount | HKD - (Save HKD -) |
HKD - |
Repayment period | 72 month(s) (Shortened by - month(s)) |
- month(s) |
Each month you pay (HKD) | Repayment period | Estimated total payment amount (HKD) |
---|
Each month you pay (HKD) | Repayment period | Estimated total payment amount (HKD) |
---|---|---|
Only the minimum repayment | - month(s) | - |
- | 36 month(s) | - |
Yes, it is fixed in each and every month during the repayment period of credit card instalment.
If your receiving account is not with Hang Seng, you need to provide a copy of the first page of the passbook or the latest monthly statement of that account. If additional documents are required, we will contact you by phone, SMS or email.
You can submit the relevant supporting document through any of the following channels:
You can view the Pre-payment Fee Q&A and Examples for Hang Seng Credit Card Cash Instalment Plan.
You can log on to Hang Seng Mobile App, then go to left menu > "Cards" > "Instalment Plans" > "Cash Instalment" or call (852) 2998 6868 to apply for cash instalment.
Cash Instalment and handling fee rebate
Settle the Hang Seng credit card transaction and online bill payment by instalment.
To borrow or not to borrow? Borrow only if you can repay!
Approved instalment amount
Handling fee rebate
(Repayment period: 12 / 24 months)
Handling fee rebate
(Repayment period: 36 / 48 / 60 months)
HKD30,000 - 79,999
HKD200
HKD300
HKD80,000 - 149,999
HKD400
HKD500
HKD150,000 - 299,999
HKD600
HKD800
HKD300,000 - 499,999
HKD1,000
HKD1,500
HKD500,000 or above
HKD2,000
HKD2,500
Approved Instalment amount
Extra handling fee rebate
HKD30,000 - 79,999
HKD100
HKD80,000 - 149,999
HKD300
HKD150,000 - 299,999
HKD500
HKD300,000 - 499,999
HKD800
HKD500,000 or above
HKD1,000
Want to know more about Cash Instalment?
Want to know more about Cash Instalment?
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