The hsbc loan is to a maximum of £50000. This is due to being able to afford re-payments by earning a standard first officers wage. If you are on one of the airline schemes they raise this to £60000. Before you say things like 'I would prefer to take the 80k on-loan' think about it for a second- if you took the full ten years to repay the loan you would end up paying hsbc around £40000 in interest.
It may seem easy now when all you can think about is flying a shiny aeroplane but when the novelty wears off, you want to have a family, car, house etc it will hit you in the face that you can't have any of these until you have that huge debt under control.