Top of main content
Family packing boxes and preparing to move house; image used for HSBC Philippines Personal Loan Application page

That I can make a home filled with smiles feeling

HSBC Personal Loan

Turn your house into the home of your dreams. Simply apply for HSBC’s Personal Installment Loan.
  • As low as 0.65% add-on rate per month1

Features and benefits

  • Fast approval
    Find out if your loan has been approved five working days after submitting your complete application documents.
  • Personalized terms
    You can choose to repay your loan in 6, 12, 18, 24 or 36 months.
  • Convenient payment channels
    Access hundreds of HSBC payment centers (PDF) nationwide for amortization payments.

Loan fees and rates

  • Processing Fee: PHP1,500 (deducted form loan proceeds)
  • Late Payment Fee: 36% per annum on overdue payment
  • Amendment Fee: PHP500.00 per amendment after drawdown (for modification of loan details)
  • Breaking Cost: To be computed as described in the HSBC website and in the HSBC Easy Guide to Bank Services and Charges (upon loan pre-termination)
  • Overdue Interest Charge: 36% per annum on all overdue installments
  • Documentary Stamp Tax (DST): 0.75% of the drawn loan amount (deducted from loan proceeds). Loan amounts of up to PHP250,000 which are used for personal purposes are exempt from DST

Apply by phone

Apply in branch

For inquiries or complaints, please call HSBC's Customer Service at (02) 8858-0000 or (02)7976-8000 from Metro Manila, +1-800-1-888-8555 PLDT domestic toll-free, (International Access Code) + 800-100-85-800 international toll-free for selected countries/regions, or talk to us through Chat by clicking on the icon at the bottom right of our homepage. If you want to find out more about HSBC's customer feedback procedures, please visit

The Hongkong and Shanghai Banking Corporation Limited is an entity regulated by the Bangko Sentral ng Pilipinas (Bangko Sentral) You may get in touch with the Bangko Sentral Consumer Protection and Market Conduct Office through their Email:; Webchat:; Facebook: or SMS: 021582277 (for Globe subscribers only).

Deposits are insured by PDIC up to PHP500,000 per depositor.

Note: Do not provide your account or credit card numbers or disclose any other confidential information or banking instructions through chat.

Here’s an easy way to share your thoughts, stay informed and join the conversation. Follow us: