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.
How to apply
In BranchIn Branch In Branch In Branch
Call (852) 2748 8080
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
Property valuation tool
Estimate the current value of a flat in major estates of Hong Kong with our simple address-based tool.
Instant Mortgage Assessment
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
Repayment plan options
Own your home sooner and save on interest or repay less in the earlier years.
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.