HSBC Home Loan & Mortgage Interest Rates

A home loan that’s flexible to your lifestyle needs

When it comes to your lifestyle, you have plenty of choices. So why shouldn’t your home loan be just as flexible? With many different ways to structure a home loan, HSBC can customise a solution as individual as you are.

Whatever your lifestyle, HSBC can design a home loan just for you. With HSBC's SmartMortgage, a housing loan that offers competitive interest rates, no lock-in feature and high upfront legal fee subsidy, taking up a home loan with interest offset with HSBC makes home ownership a little easier.


HDB Home Loan Packages from HSBC

No HSBC Package Name Fixed/Floating Year 1 Rate Year 2 Rate Year 3 Rate Thereafter Selection
1 Floating: 1 Month SIBOR (Min Loan Size: $2mil) Floating 1-mth Sibor + 0.70%
(1.02%)
1-mth Sibor + 0.75%
(1.07%)
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2 Floating: 1 Month SIBOR > With Cash Rebate (Refinancing Only) (Min Loan Size: $2mil) Floating 1-mth Sibor + 0.85%
(1.17%)
1-mth Sibor + 0.80%
(1.12%)
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3 Floating: 1 Month SIBOR > Requires $25,000 Time Deposit or Credit Card or Mortgage Insurance (Min Loan Size: $1mil) Floating 1-mth Sibor + 0.70%
(1.02%)
1-mth Sibor + 0.70%
(1.02%)
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4 Floating: 1 Month SIBOR (Min Loan Size: $1mil) Floating 1-mth Sibor + 0.75%
(1.07%)
1-mth Sibor + 0.80%
(1.12%)
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5 Floating: 1 Month SIBOR > With Cash Rebate (Refinancing Only) (Min Loan Size: $1mil) Floating 1-mth Sibor + 0.90%
(1.22%)
1-mth Sibor + 0.85%
(1.17%)
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6 Floating: 1 Month SIBOR > Requires $25,000 Time Deposit or Credit Card or Mortgage Insurance (Min Loan Size: $500k) Floating 1-mth Sibor + 0.75%
(1.07%)
1-mth Sibor + 0.75%
(1.07%)
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7 Floating: 1 Month SIBOR (Min Loan Size: $500k) Floating 1-mth Sibor + 0.80%
(1.12%)
1-mth Sibor + 0.85%
(1.17%)
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8 Floating: 1 Month SIBOR > With Cash Rebate (Refinancing Only) (Min Loan Size: $500k) Floating 1-mth Sibor + 0.90%
(1.22%)
1-mth Sibor + 0.85%
(1.17%)
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9 Floating: 1 Month SIBOR > Requires $25,000 Time Deposit or Credit Card or Mortgage Insurance (Min Loan Size: $300k) Floating 1-mth Sibor + 0.80%
(1.12%)
1-mth Sibor + 0.80%
(1.12%)
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10 Floating: 1 Month SIBOR (Min Loan Size: $300k) Floating 1-mth Sibor + 0.80%
(1.12%)
1-mth Sibor + 0.85%
(1.17%)
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11 Floating: 1 Month SIBOR > With Cash Rebate (Refinancing Only) (Min Loan Size: $300k) Floating 1-mth Sibor + 0.95%
(1.27%)
1-mth Sibor + 0.90%
(1.22%)
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12 Floating: 1 Month SIBOR > Requires $25,000 Time Deposit or Credit Card or Mortgage Insurance (Min Loan Size: $200k) Floating 1-mth Sibor + 0.80%
(1.12%)
1-mth Sibor + 0.80%
(1.12%)
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13 Floating: 1 Month SIBOR (Min Loan Size: $100k) Floating 1-mth Sibor + 1.00%
(1.32%)
1-mth Sibor + 0.95%
(1.27%)
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14 Floating: 1 Month SIBOR > With Interest Offset Feature (Min Deposit: $150k) (Min Loan Size: $500k) Floating 3-mth Sibor + 0.80%
(1.19%)
3-mth Sibor + 0.90%
(1.29%)
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15 Floating: 1 Month SIBOR > With Interest Offset Feature (Min Deposit: $25k) (Min Loan Size: $500k) Floating 3-mth Sibor + 0.85%
(1.24%)
3-mth Sibor + 0.95%
(1.34%)
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16 Floating: 1 Month SIBOR > With Interest Offset Feature (Min Deposit: $150k) (Min Loan Size: $1mil) Floating 3-mth Sibor + 0.80%
(1.19%)
3-mth Sibor + 0.90%
(1.29%)
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17 Floating: 1 Month SIBOR > With Interest Offset Feature (Min Deposit: $25k) (Min Loan Size: $1mil) Floating 3-mth Sibor + 0.85%
(1.24%)
3-mth Sibor + 0.95%
(1.34%)
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18 Floating: 1 Month SIBOR (Uncompleted Properties) (Min Loan Size: $800k) Floating 1-mth Sibor + 0.75%
(1.07%)
1-mth Sibor + 0.75%
(1.07%)
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19 Floating: 1 Month SIBOR (Uncompleted Properties) (Min Loan Size: $1mil) Floating 1-mth Sibor + 0.75%
(1.07%)
1-mth Sibor + 0.75%
(1.07%)
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20 Floating: 1 Month SIBOR (Uncompleted Properties) (Min Loan Size: $100k) Floating 1-mth Sibor + 0.75%
(1.07%)
1-mth Sibor + 0.75%
(1.07%)
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21 Floating: 1 Month SIBOR > Requires $25,000 Time Deposit or Credit Card or Mortgage Insurance (Min Loan Size: $2mil) Floating 1-mth Sibor + 0.70%
(1.02%)
1-mth Sibor + 0.70%
(1.02%)
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Private Home Loan Packages from HSBC

No HSBC Package Name Fixed/Floating Year 1 Rate Year 2 Rate Year 3 Rate Thereafter Selection
1 Floating: 1 Month SIBOR (Min Loan Size: $2mil) Floating 1-mth Sibor + 0.70%
(1.02%)
1-mth Sibor + 0.75%
(1.07%)
Calculate now to view more details of this home loan package
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2 Floating: 1 Month SIBOR > With Cash Rebate (Refinancing Only) (Min Loan Size: $2mil) Floating 1-mth Sibor + 0.85%
(1.17%)
1-mth Sibor + 0.80%
(1.12%)
Calculate now to view more details of this home loan package
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3 Floating: 1 Month SIBOR > Requires $25,000 Time Deposit or Credit Card or Mortgage Insurance (Min Loan Size: $1mil) Floating 1-mth Sibor + 0.70%
(1.02%)
1-mth Sibor + 0.70%
(1.02%)
Calculate now to view more details of this home loan package
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4 Floating: 1 Month SIBOR (Min Loan Size: $1mil) Floating 1-mth Sibor + 0.75%
(1.07%)
1-mth Sibor + 0.80%
(1.12%)
Calculate now to view more details of this home loan package
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5 Floating: 1 Month SIBOR > With Cash Rebate (Refinancing Only) (Min Loan Size: $1mil) Floating 1-mth Sibor + 0.90%
(1.22%)
1-mth Sibor + 0.85%
(1.17%)
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6 Floating: 1 Month SIBOR > Requires $25,000 Time Deposit or Credit Card or Mortgage Insurance (Min Loan Size: $500k) Floating 1-mth Sibor + 0.75%
(1.07%)
1-mth Sibor + 0.75%
(1.07%)
Calculate now to view more details of this home loan package
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7 Floating: 1 Month SIBOR (Min Loan Size: $500k) Floating 1-mth Sibor + 0.80%
(1.12%)
1-mth Sibor + 0.85%
(1.17%)
Calculate now to view more details of this home loan package
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8 Floating: 1 Month SIBOR > With Cash Rebate (Refinancing Only) (Min Loan Size: $500k) Floating 1-mth Sibor + 0.90%
(1.22%)
1-mth Sibor + 0.85%
(1.17%)
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9 Floating: 1 Month SIBOR > Requires $25,000 Time Deposit or Credit Card or Mortgage Insurance (Min Loan Size: $300k) Floating 1-mth Sibor + 0.80%
(1.12%)
1-mth Sibor + 0.80%
(1.12%)
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10 Floating: 1 Month SIBOR (Min Loan Size: $300k) Floating 1-mth Sibor + 0.80%
(1.12%)
1-mth Sibor + 0.85%
(1.17%)
Calculate now to view more details of this home loan package
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11 Floating: 1 Month SIBOR > With Cash Rebate (Refinancing Only) (Min Loan Size: $300k) Floating 1-mth Sibor + 0.95%
(1.27%)
1-mth Sibor + 0.90%
(1.22%)
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12 Floating: 1 Month SIBOR > Requires $25,000 Time Deposit or Credit Card or Mortgage Insurance (Min Loan Size: $200k) Floating 1-mth Sibor + 0.80%
(1.12%)
1-mth Sibor + 0.80%
(1.12%)
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13 Floating: 1 Month SIBOR (Min Loan Size: $200k) Floating 1-mth Sibor + 1.00%
(1.32%)
1-mth Sibor + 0.95%
(1.27%)
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14 Floating: 1 Month SIBOR > With Interest Offset Feature (Min Deposit: $150k) (Min Loan Size: $500k) Floating 3-mth Sibor + 0.80%
(1.19%)
3-mth Sibor + 0.90%
(1.29%)
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15 Floating: 1 Month SIBOR > With Interest Offset Feature (Min Deposit: $25k) (Min Loan Size: $500k) Floating 3-mth Sibor + 0.85%
(1.24%)
3-mth Sibor + 0.95%
(1.34%)
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16 Floating: 1 Month SIBOR > With Interest Offset Feature (Min Deposit: $150k) (Min Loan Size: $1mil) Floating 3-mth Sibor + 0.80%
(1.19%)
3-mth Sibor + 0.90%
(1.29%)
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17 Floating: 1 Month SIBOR > With Interest Offset Feature (Min Deposit: $25k) (Min Loan Size: $1mil) Floating 3-mth Sibor + 0.85%
(1.24%)
3-mth Sibor + 0.95%
(1.34%)
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18 Floating: 1 Month SIBOR (Uncompleted Properties) (Min Loan Size: $800k) Floating 1-mth Sibor + 0.75%
(1.07%)
1-mth Sibor + 0.75%
(1.07%)
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19 Floating: 1 Month SIBOR (Uncompleted Properties) (Min Loan Size: $1mil) Floating 1-mth Sibor + 0.75%
(1.07%)
1-mth Sibor + 0.75%
(1.07%)
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20 Floating: 1 Month SIBOR (Uncompleted Properties) (Min Loan Size: $200k) Floating 1-mth Sibor + 0.75%
(1.07%)
1-mth Sibor + 0.75%
(1.07%)
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21 Floating: 1 Month SIBOR > Tie Up Projects Only (Uncompleted Properties) (Min Loan Size: $500k) Floating 1-mth Sibor + 0.65%
(0.97%)
1-mth Sibor + 0.65%
(0.97%)
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22 Floating: 1 Month SIBOR > Tie Up Projects Only (Uncompleted Properties) (Min Loan Size: $800k) Floating 1-mth Sibor + 0.60%
(0.92%)
1-mth Sibor + 0.60%
(0.92%)
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23 Floating: 1 Month SIBOR > Tie Up Projects Only (Uncompleted Properties) (Min Loan Size: $1mil) Floating 1-mth Sibor + 0.60%
(0.92%)
1-mth Sibor + 0.60%
(0.92%)
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24 Floating: 1 Month SIBOR > Requires $25,000 Time Deposit or Credit Card or Mortgage Insurance (Min Loan Size: $2mil) Floating 1-mth Sibor + 0.70%
(1.02%)
1-mth Sibor + 0.70%
(1.02%)
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