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.


Selected customers can enjoy pre-approved instalment, no document required2

Personalized monthly handling fee as low as 0.18%1

6 - 60 months flexible repayment period

Cash will be disbursed to your designated account

Handling fee rebate

Enjoy up to HKD 1,300 handling fee rebate3

Apply before 24th July, 2024 to enjoy up to HKD500 handling fee rebate and earn up to extra HKD800 handling fee rebate for customers who apply online.


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 personalized 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

Want to know your own offers?

We provide personalized pre-approved cash out plan
After logon e-Banking, you can view your monthly handling fee and pre-approved cash out amount, or calculate your card loan amount based on your affordable monthly payment instantly. 

Frequently asked questions

Yes, it is fixed in each and every month during the repayment period of credit card instalment.

If your cash out amount exceed the pre-approved amount, you have to submit income proof for review. Please submit the relevant supporting document within 3 working days after application via any of the following channels:

  • Upload via Document Submission
  • Upload via Hang Seng Mobile App: 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.

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.

Useful tools

How to apply?

Online application

Application hotline


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.


  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 annualized percentage rate (APR) of 0.18% monthly handling fee are as follows: 3.76% for 6 months, 4.04% for 12 months, 4.18% 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 annualized rate.
  2. Customers can log on to personal e-Banking or call 2998 6868 to check if qualified for pre-approved instalment. For details, please refer to Terms & Conditions for Cash Instalment plan clause 1, 2 & 4.
  3. Specific approved cash instalment amount and repayment period of 12 months or above is required. Enjoy up to HKD500 handling fee rebate upon successful application. Apply online to enjoy up to extra HKD800 handling fee rebate.
  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 24th July 2024
    • Handling fee rebate of Cash Instalment here until 24th July 2024

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