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Home mortgage loans

Whether you’re a property investor or first time home buyer, our flexible financing options can help make a new property purchase a reality.

 

Property valuation tool

 

Mortgage calculators

Deposit-linked Mortgage

Offset your mortgage interest with better rates on your savings.

 

Benefits:

  • Lower your net interest expenses
  • Manage your wealth easily with separate mortgage and savings accounts

Earn the same interest rate you pay on your mortgage for a portion of savings - up to 50% of the outstanding balance on your mortgage.

HIBOR1-based Mortgage

Base your mortgage interest rate on HIBOR1based to better reflect the local money market movement.

 

Benefits:

Follow the movements of the money market more closely, as well as getting the extra protection of an interest rate cap.

HighAdvance Mortgage

Borrow more - up to 80% of your property's value3.

 

Benefits:

  • Minimise capital requirements - instead of the typical 30% down payment, you could pay as little as 20%
  • Our straightforward application process includes personal assistance from HSBC

Enables you to buy if you only have a small down payment.

Investor Mortgage

A loan designed to meet the unique needs of property investors.

 

Benefits:

  • We’ll count rental income and assets return as sources of income when determining your mortgage terms
  • No annual reviews
  • A quick and simple application process

Maximise your potential for property investment.

How to apply

By Phone

Online

Use your Security Device / Mobile Security Key to log on and apply

Arrange to see one of our mortgage specialists

New to HSBC, or don't have a Security Device/ Mobile security key?

Mortgage Tools and Resources

 

Learn how much you can borrow and calculate repayment amounts. You can also see what you can save with a Deposit-linked Mortgage.

 

Estimate the current value of a flat in major estates of Hong Kong with our simple address-based tool.

Related products and services

 

Manage your cash flow more easily with loans to cover a variety of expenses.

 

Own your home sooner and save on interest or repay less in the earlier years.

 

Protect your new home with policies that cover your home's structure against hazard, your belongings and more.

To borrow or not to borrow?

Borrow only if you can repay!

Remarks

1 Hong Kong Interbank Offered Rate (HIBOR) as at any date means the Hong Kong Interbank Offered Rate for the interest period of 1 month for Hong Kong Dollars quoted by The Hongkong and Shanghai Banking Corporation Limited at or about 11:00 a.m. (Hong Kong time) on such date. This HIBOR quoted by The Hongkong and Shanghai Banking Corporation Limited is not necessarily the same as HKD Interest Settlement Rates published by The Hong Kong Association of Banks.

2 Best Lending Rate (BLR) refers to the Hong Kong Dollar Best Lending Rate quoted by The Hongkong and Shanghai Banking Corporation Limited from time to time.

3 The mortgage loan amount is capped at 80% of the property purchase price or property valuation (whichever is lower) provided that mortgage insurance cover is made available by HKMC Insurance Limited and subject to their latest guideline. Regular salaried first time homebuyers with a maximum debt-to-income ratio of 45% may still be eligible for the maximum MIP cover of 90% LTV.