HSBC's Personal Loan has an interest rate of 1.25% per month. As for the other charges: Processing fee: ₱1,500.00 or ₱750.00 for 24 and 36 months loan tenor, stamp duty: ₱1.00 for every ₱200.00 loan drawn for loans above ₱250,000.00 or loan purpose is for business use.