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    Spending Instalment

    Terms and conditions apply.

    Settle credit card spending at ease by instalment

    No matter if it's a relaxation trip, the hottest gadget, or even online tax / tuition fee / insurance bill payment, spend with Hang Seng credit card and you can apply Spending Instalment to settle the card transactions by instalment afterward. More enjoyment in shopping, and more financial flexibility. 

    Apply now

    Settle credit card spending at ease by instalment

    Apply now

    Monthly Handling Fee Plan

    Features

    All selected customers can apply with every statement [7]
    Combined eligible spending and online bill payment (as low as HKD800) [2]
    Instant approval and instalment [3]
    Personalised monthly handling fee as low as 0.16% [5]
    3 to 60 months flexible repayment period
    Available till 31 March 2026

    Tax Season Offer

    Enjoy up to $1,500 +FUN Dollars / 300,000 yuu Points now![8]

    Register for "Credit Card Online Bill Payment Service Tax Payment Promotion" between 25 November 2025 to 31 March 2026 and enjoy extra rebate offer upon successful application for Spending Instalment - Personalized Monthly Handling Fee Plan of HKD10,000 or above and with a repayment period of 12 months or above!

    Details and Register

    Example

    Paying insurance bill by instalment

    Mr. Wong settled an insurance bill worth HKD28,000 via e-Banking with his Hang Seng credit card, but he does not want to settle the card balance in one go. He decided to apply Spending Instalment to settle the card transaction by 36-month instalment with personalised monthly handling fee 0.16%[5].

    Monthly repayment[6] for Mr. Wong

    = (Instalment amount ÷ Repayment period) + Monthly handling fee

    = (HKD28,000 ÷ 36) + (HKD28,000 x 0.16%)

    = HKD822.6

    Monthly Handling Fee Plan Repayment Calculator

    Answer the simple questions below and get your credit card spending instalment monthly handling fee 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

    Service is temporarily unavailable

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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

    Related information

    Monthly Handling Fee Plan

    Features

    Only for customers not holding instalment plan [1],[7]
    Combined eligible spending and online bill payment (except tax payment) (as low as HKD800) [2]
    Instant approval and instalment [3]

    As low as HKD40 handling fee for 12-month instalment View details

    12 months repayment period
    Available till 26 Jan 2026

    Example

    Graduation trip

    Ms. So went to graduation trip with friends and she used her credit card for all spendings around HKD5,000. She decided to apply a 12-month instalment and only need to pay an one-off handling fee of HKD100 for the first month.

    Monthly repayment[6] for Ms. So

    1st Month:

    = (Instalment amount ÷ Repayment period) + One-off handling fee

    = (HKD5,000 ÷ 12) + HKD100

    = HKD516.7

     

    2nd - 12th Month:

    = (Instalment amount ÷ Repayment period)

    = (HKD5,000 ÷ 12)

    = HKD416.7

    Related information

    One-off Handling Fee Plan

    Choosing Monthly or One-off Handling Fee Plan? [1]

    Our intelligent system will recommend the most suitable plan and offer for you
    After logging on to Personal e-Banking, we will recommend the most suitable instalment plan for you, according to your available instalment plan options and personalised offers.
    Log on to check now

    Frequently asked questions

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

    Related product

    Cash Instalment

    Cash out your credit limit from credit card to your account, and repay monthly based on your preferred payment period.

    View details

    Useful tools

    How to apply?

    Monthly / One-off Handling Fee Plan

    Via Personal e-Banking[3],[4]

    Application hotline

    (852) 2998 6868[3],[4]

    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.
    2. You can view and download the previous version of Terms and Conditions for:
      • One-off Handling Fee Plan here until 26 Jan 2026 (applicable to applications submitted from 25 Sep 2025 to 24 Nov 2025)
      • Promotion of One-off Handling Fee Plan here until 26 Jan 2026
      • Monthly Handling Fee Plan here until 26 Jan 2026 (applicable to applications submitted from 25 Sep 2025 to 24 Nov 2025)

    Remark(s)

    1. Not holding instalment plan refers to Cardmember who has not successfully applied / held any Hang Seng Credit Card Spending Instalment – Personalised Monthly Handling Fee Plan / Spending Instalment – One-off Handling Fee Plan / Spending Instalment – One-off Handling Fee Plan for Online Tax Payment/ Cash Instalment Plan from 1 Nov 2024 to 31 Oct 2025.
    2. Spending Instalment – Personalised Monthly Handling Fee Plan and Spending Instalment – One-off Handling Fee Plan includes local and overseas payment made at physical and online stores or online bill payment. For details for the designated spending categories, please refer to the related Terms and Conditions.
    3. Under normal circumstances, you'll receive the approval result instantly for the spending instalment plan. If you submit your application before the statement payment due date, the approved amount will be disbursed into your credit card account instantly or by the next calendar day during the following periods:
      • 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.
    4. For Hang Seng Website, Hang Seng Personal Banking Mobile App or Hotline applications, minimum instalment application amount is from HKD800 and 3-months.
    5. The 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 Rates (APRs) are reference rates which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable), calculated using the Net Present Value Method according to the Code of Banking Practice. The APR for this product ranges from 2.92% to 34.08%. %. For the APR of 2.92%, it is calculated based on a loan amount of HKD100,000, a monthly flat rate of 0.16% and a 3-month repayment period. Please log on to Hang Seng Personal e-Banking or call (852) 2998 6868 to check your personalised handling fee.
    6. The above example is for reference only, for the actual monthly repayment amount, please refer to monthly statement.
    7. Only selected customers can apply Spending Instalment. Customers can log on to Hang Seng Personal e-Banking to check the Spending Instalment Application form or call (852) 2998 6868 to check if qualified. For details, please refer to respective Terms & Conditions.
    8.  The promotion period is from 25 Nov 2025 to 31 March 2026. Specific approved spending instalment amount and repayment period of 12 months or above is required. Enjoy up to $1,500 +FUN Dollars/ 300,000 yuu Reward Points rebate upon successful application.

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