Top of main content

HighAdvance Mortgage

Buy a home with a smaller down payment at the start.


Property valuation tool


Mortgage calculators

HighAdvance Mortgage

If a large down payment is difficult for you to manage, a HighAdvance mortgage can help. You can borrow up to 90%1 of your home's purchase price or property valuation (whichever is lower) with premium pay for mortgage insurance cover.



  • Stretch for your dream home or buy a property without the large initial down payment

  • A simple application process with personal help from HSBC mortgage specialists

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

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.


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

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!


1 The mortgage loan amount is capped at 90% 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 guidelines and final approval.

2 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. 

3 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.