1 The promotional offer is valid only if the application is submitted 1 January 2022 to 31 December 2022, both dates inclusive ("Promotional Period"); and the loan is drawn down on or before 31 January 2023. All applications for a InnoTech Business Instalment Loan are subject to the applicable terms and conditions which will be set out in the related application form and loan notification letter. Please refer to the related application form and here (PDF, 84KB) for Terms and conditions applicable to the promotional offer.
2 All loan applications are subject to the Bank's usual credit assessment approval procedure. The Bank reserves the right to amend the interest rate, benefits, terms and conditions without prior notice.
3 Annualised Percentage Rate (APR) is 9.96% (including the handling fee of 1% per annum on the approved loan amount) and 7.60% (when handling fee is waived), based on a loan tenor of 60 months, 0.33% monthly flat rate, HK$10,000 loan amount. The APR is calculated according to the relevant guidelines in the Code of Banking Practice and is rounded to the nearest two decimal places.
4 HSBC has not authorised or appointed any intermediaries to conduct telesales marketing activities for promotion of commercial lending / commercial cards.
^ Companies eligible for InnoTech Business Instalment Loan include: (i) digital and technology related industries; or (ii) companies with any other commercial use of digital adoption.
+ The director(s)/principal shareholder(s) of limited companies who apply for a InnoTech Business Instalment Loan is/are required to provide Personal Guarantees by Individual(s).
# The Hongkong and Shanghai Banking Corporation Limited and its successors and assigns ("HSBC" or the "Bank") will assess the loan application and, if the Bank approves the loan application, credit the approved loan amount to your existing HSBC repayment account within three working days upon receipt of a fully completed application and all required documents. For customer without an existing HSBC account, the approved loan amount will be credited upon successful opening of HSBC repayment account. Only bank working days (Monday- Friday, except Saturday, Sunday and public holidays) are considered.
* For the complete list of eligible companies in Hong Kong Science Park and Cyberport, please visit: