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Fixed Rate Mortgage Plan

Lock your mortgage interest rate at 2.73% / 2.93% p.a.[@mortgages-fixed-rate-interest] for a fixed period, giving you repayment stability and full control over your home financing budget

Apply for a mortgage online and earn extra HKD500 rewards. Enjoy the convenience and save time! T&Cs apply (PDF).

Enjoy peace of mind locking your interest rate

Take the limited-time fixed rate mortgage plan to lock a mortgage rate during the fixed rate period. That way, you could enjoy repayment stability and make budgeting easier.

Our rates

3-year2.73% / 2.93% p.a.[@mortgages-fixed-rate-interest]

5-year2.73% / 2.93% p.a.[@mortgages-fixed-rate-interest]

Special Offers

  • Earn an extra cash reward of HKD500 for applying for a mortgage online. T&Cs apply (PDF).
  • Applicants holding a valid visa or entry permit under the applicable Admission Schemes for Talent, Professionals and Entrepreneurs or the New Capital Investment Entrant Scheme can earn an extra cash reward of HKD1,000. T&Cs apply (PDF).

Key benefits

Free from rate fluctuation impact

The interest rate you pay is fixed throughout the fixed rate period.

Manage your finances easily

More control over your monthly financial commitment with a fixed repayment amount.

A simple application process

Get personal help from HSBC mortgage specialists.

What you need to know

Are you eligible?

  • The Fixed Rate Mortgage Plan is applicable only to private domestic primary and secondary market sale and purchase transactions, refinancing and equity loans[@mortgage-fixed-rate-eligibility].
  • Customers who maintain an HSBC account with a loan amount from HKD1,000,000 to HKD50,000,000 are eligible for the Fixed Rate Mortgage Plan.
  • Primary market sales and purchase transactions: Applications from 25 August 2025 to 30 September 2026 with loan drawdown on or before 31 January 2027 can enjoy an interest rate of 2.73% p.a. for 3- and 5-year plans. Applications from 1 October 2026 to 31 December 2026 with loan drawdown on or before 30 April 2027 can enjoy an interest rate of 2.93% p.a. for 3- and 5-year plans.
  • Others: Applications from 25 August 2025 to 31 August 2026 with loan drawdown on or before 31 December 2026 can enjoy an interest rate of 2.73% p.a. for 3- and 5-year plans. Applications from 1 September to 31 December 2026 with loan drawdown on or before 30 April 2027 can enjoy an interest rate of 2.93% p.a. for 3- and 5-year plans.

Payment Arrangements for Property Transactions (PAPT):

To enhance customer protection and efficiency of payment, customers can choose PAPT, which is an additional mortgage loan drawdown arrangement whereby the loan proceeds will be transferred to the seller's bank or existing mortgagee through the interbank electronic payment system on the drawdown date. PAPT is applicable to the sale and purchase (S&P) of secondary market residential properties in Hong Kong as well as refinancing transactions relating to these properties. In the case of S&P of properties, buyers and sellers who wish to use PAPT may request their estate agents to incorporate relevant clauses into the provisional S&P agreement.

For details of S&P transactions, please view Payment Arrangements for Property Transactions (PAPT) S&P in secondary market residential properties leaflet [PDF].

For details of refinancing transactions, please view Payment Arrangements for Property Transactions (PAPT) Refinancing leaflet [PDF].

Mortgage tools and resources

Assess affordability and how much you should set as your budget for buying a home, instantly—plus, see how much you can save with a Deposit-linked Mortgage.
Estimate the current value of any flat in major estates in Hong Kong with our simple address-based tool.
Download the forms and documents for our mortgage products.

How to apply

Apply online

Submit your online application any time, quickly and conveniently.

Call us 

Frequently asked questions

What documents do I need to provide when I apply for a mortgage? 

Can I change to a different mortgage plan? 

Can I change my mortgage repayments? 

Explore other mortgage products

Check out and compare our mortgage products to find the right one for you.
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Covers a range of government subsidized flats such as Home Ownership Scheme flats, and lets you borrow up to 95% of the property purchase price

Notes

Important information 

  • The Bank reserves the right to vary, modify or terminate the offerings of the Fixed Rate Mortgage and the terms and conditions from time to time without prior notice. In the event of a dispute arising out of this promotion, the decision of the Bank shall be final and conclusive.
  • To borrow or not to borrow? Borrow only if you can repay!