Hi, i believe the actual term is Flexi Payment and always remember there are two types payment plan-

one u apply under merchant & the other u apply directly from the bank

If possible, ask the merchant or shop whether they got 0% installment for HSBC card. If they have then u can avoid having to subscribe for HSBC plan where it got upfront fees.

If not, then call or send sms (more easy) to HSBC where they got two plans but bear in mind it got one-time upfront interest.

3% for 10months and 5% for 20months.