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Deposit-linked Mortgage

Offset part of your mortgage interest with higher interest earnings on a portion of your savings.


Mortgage Know It All


Instant Mortgage Assessment

Deposit-linked Mortgage

If you’re an HSBC Premier, HSBC One or Personal Integrated Account customer, you can enjoy a preferential interest rate with our Deposit-linked Mortgage Repayment Plan. We'll match your savings interest rate to your mortgage interest rate for part of your deposit giving you better returns on your savings deposit and greater flexibility in managing your finances and wealth.



  • Enjoy higher interest on your savings and reduced interest on your mortgage loan
  • Earn preferential interest on your savings balance up to an amount equal to 50% of the remaining balance on your mortgage
  • Manage your mortgage and savings easily through separate accounts
  • A simple application process with personal help from HSBC mortgage specialists

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.

By Phone


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


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

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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

Related products and services


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To borrow or not to borrow?

Borrow only if you can repay!


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.