# 利嘉閣‧按揭易 vs PayMe by HSBC

The clearest difference is ads: PayMe by HSBC at none against 利嘉閣‧按揭易's shown. PayMe by HSBC also leads on update cadence (every 4 weeks vs every 2 months). 利嘉閣‧按揭易's advantage is review sentiment (54% vs 36%). On price, in-app purchases, device support and iOS requirement there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

利嘉閣‧按揭易 ships an update every 2 months, PayMe by HSBC every 4 weeks. The most recent releases landed on October 3, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | 利嘉閣‧按揭易 | PayMe by HSBC |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.6 (2.6K ratings)](https://appshunter.io/ios/app/payme-by-hsbc/id1184264977/reviews)** |
| Number of ratings | — | **2.6K** |
| Positive reviews | **53.8% of reviews** | 36.0% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 2 months | **Every 4 weeks** |
| Monetization | — | Free |
| Size | 46 MB | 177 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Ricacorp Properties Limited](https://appshunter.io/developer/396297385) | [The Hongkong and Shanghai Banking Corporation Ltd.](https://appshunter.io/developer/306028848) |

## What reviewers say

### 利嘉閣‧按揭易

[App page](https://appshunter.io/ios/app/id397663264)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### PayMe by HSBC

[App page](https://appshunter.io/ios/app/payme-by-hsbc/id1184264977)

Go cashless with a mobile payment solution accepted at over 60,000 locations across Hong Kong. Easily pay businesses, friends, and family, and enjoy rewards and vouchers. Top up your wallet conveniently from your bank account or credit card.

**Highlights:** Cashless payments at 60,000+ outlets, Accepted at major retailers and services, Earn discounts, vouchers, and rewards, Multiple top-up options (bank account, credit card), Instant payments to friends and family, Supports Consumption Voucher Scheme, Quick sign-up process

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 💳 Great payment app
- 🚀 Convenient and easy to use
- 🤝 Useful for splitting bills and group payments

**What reviewers complain about**

- 🐛 Frequent app crashes and bugs
- 🔒 Poor security and login issues
- 📱 Difficult to set up and use
- 🤖 Unreliable facial recognition and ID scanning
- 💰 Restrictive payment limits and funding options

**Reported bugs**

- Payment records disappearing after app updates
- Inability to log in or register due to system errors
- Inconsistent behavior when changing mobile numbers
- Face scan and ID scanning not working properly

**Requested features**

- Add support for more payment methods
- Improve customer support and communication
- Allow login via email instead of just mobile number
- Provide better privacy controls and transaction visibility


## Frequently asked questions

### Is 利嘉閣‧按揭易 free?

利嘉閣‧按揭易 is free to download, with no in-app purchases.

### Is PayMe by HSBC free?

PayMe by HSBC is free to download, with no in-app purchases.

### Do 利嘉閣‧按揭易 or PayMe by HSBC have ads?

利嘉閣‧按揭易 shows ads; PayMe by HSBC does not.

### Which is updated more often, 利嘉閣‧按揭易 or PayMe by HSBC?

利嘉閣‧按揭易 ships an update every 2 months, and PayMe by HSBC every 4 weeks. Most recently, 利嘉閣‧按揭易 was updated on October 3, 2026 and PayMe by HSBC on October 24, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*