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    Cash Instalment

    Terms and conditions apply.

    What is Cash Instalment?

    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.

    Apply now

    Enjoy up to HKD 1,500 handling fee rebate

    Apply now

    Features

    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

    How to apply?

    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.

    Hang Seng Personal Banking

    Apply for Cash Instalment now

    Handling fee rebate

    Enjoy up to HKD 1,500 handling fee rebate3

    Enjoy up to HKD1,500 handling fee rebate by applying before 24 September 2025. View details

    Example

    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

    Credit Card Cash Instalment Plan Repayment Calculator

    Answer the simple questions below and get your credit card cash instalment plan

    day(s)
    Your loan plan Result Your instalment plan
    As of HKT
    Monthly repayment amount
    HKD HKD -
    Monthly flat rate
    - %
    Monthly handling fee
    HKD -
    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)
    The Annualised Percentage Rate of Debt Consolidation Instalment Loan is -
    Your payment will be as follows if you make no additional changes using this account:
    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) -
    If you pay off the balance amount in 36 months, you can save HKD - for the total payment amount.
    Annual interest rate
    - %
    Annualised Percentage Rate (”APR“)
    - %
    Daily interest payable Daily interest paid
    HKD -
    Monthly interest paid[6] Monthly interest paid[7]
    HKD - -
    Interest rate Effective rate (p.a.)
    - %
    Monthly minimum payment amount
    HKD -
    Total interest to be paid[2]
    HKD -
    Annualised interest rate (p.a.)
    -
    Apply now
    View your repayment plan & schedule
    Your loan plan

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    Remarks:
    • The result of the instalment repayment calculator is for reference only. The actual repayment liability depends on the actual terms of each borrowing arrangement.
    • All Annualised Percentage Rates (APRs) are calculated using the Net Present Value Method in accordance with the Code of Banking Practice. APRs are reference rate which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable)
    • The monthly repayment amount is rounded up to 2 decimal points

    Want to know your own offers?

    We provide personalised pre-approved cash out plan
    After logging on to Hang Seng Mobile App, choose "Cards" > "Instalment Plans" > "Cash Instalment" from the left menu, you can then view your monthly handling fee and pre-approved cash-out amount, and even calculate your cash-out amount based on your affordability instantly.
    Logon to view offers

    Frequently asked questions

    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:

    • Upload via Document Submission
    • Upload via Hang Seng Mobile App: Go to left menu > "Cards" > "Document Submission"
    • Fax to (852) 2269 3096 (Please write your credit card number on the top right corner of the relevant documents)

    You can view the Pre-payment Fee Q&A and Examples for Hang Seng Credit Card Cash Instalment Plan.

    1. Upon the application for Cash Instalment Plan is successful, there is a cooling-off period of 7 calendar days from the post date of the first instalment amount.
    2. During the cooling-off period, you may call 24-hour Hang Seng Credit Card Marketing Enquiry Hotline (852) 2998 6899 to request to fully settle the outstanding principal of the Cash Instalment Plan. We have the sole discretion whether or not to approve such request and any subsequent request. If we approve, we will waive a total amount of outstanding monthly handling fee for the remaining Instalment Period and an administration fee of HKD300 (collectively "Prepayment Handling Fee"). In general, you may only make such request once for an approved 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.

    Related information

    Cash Instalment and handling fee rebate

    Related product

    Spending Instalment

    Settle the Hang Seng credit card transaction and online bill payment by instalment.

    View details

    Useful tools

    Footnote

    Other point(s) to note

    1. If you fail to make full repayment of the statement balance specified in your credit card account statement on or before the payment due date of each month, you shall pay a finance charge and other charges on any monthly instalment amount due but unpaid at the prevailing interest rate applicable to your credit card account from the post date of such monthly instalment.

    Remark(s)

    1. The 0.18% monthly handling fee is applicable to selected customers and the approved cash instalment amount has to reach the specific requirement, and is for reference only. The handling fee is to be determined by Hang Seng from time to time for individual promotion. The annualised percentage rate (APR) of 0.18% monthly handling fee are as follows: 3.76% for 6 months, 4.04% for 12 months, 4.17% for 24 months, 4.20% for 36 months, 4.20% for 48 months, 4.19% 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 annualised rate.
    2. You can log on to Personal e-Banking or call (852) 2998 6868 to check if you are qualified for pre-approved instalment. For details, please refer to Terms & Conditions for Cash Instalment plan.
    3. Specific approved cash instalment amount and repayment period of 12 months or above is required. Enjoy up to HKD 1,500 handling fee rebate upon successful application.
    4. The above example is for reference only, for the actual monthly repayment amount, please refer to monthly statement.
    5. You can view and download the previous version of Terms and Conditions for:
      • Cash Instalment here until 24 September 2025 (applicable to applications submitted from 27 May 2025 to 28 July 2025)
      • Handling fee rebate of Cash Instalment here until 24 September 2025
    6. (a) Under normal circumstances, you'll receive the approval result instantly for the cash instalment plan. If you submit your application during the following periods, the approved amount will be disbursed into your Hang Seng HKD current or savings account on the same day or by the next calendar day:
      • Mon to Fri: 12:00 a.m. to 7:00 p.m.
      • Sat, Sun, and public holidays: 12:00 a.m. to 5:30 p.m.
      If the approved amount is disbursed into a non-Hang Seng account, it usually takes about 3 working days to process once we've received all the required documents after your application.
      (b) If you submit your application during the following periods, we'll debit the first instalment amount from your Hang Seng credit card account on the next calendar day or within 3 calendar days:
      • Mon to Fri: 12:00 a.m. to 7:00 p.m.
      • Sat, Sun, and public holidays: 12:00 a.m. to 5:30 p.m.
    7. Increase credit limit & Cash Instalment application will be approved instantly at same time, depending on the particular circumstances, customer may need provide document for approval. Please note that it may be simultaneously cancelled and your previous credit limit be restored when the application cannot apply successfully.
    8. You may exercise your cooling-off right for approved Cash Instalment Plan within 7 calendar days following the posting date of the first instalment. For details, please refer to Terms & Conditions for Cash Instalment plan.

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