Loans to support mortgage holders

A range of home related loans to help you with your financial management

Equity Loan

If you’ve already got a mortgage with HSBC, you can top up your mortgage up to 80%1 of your property's current value. Manage your financial options by making the most of what you have already accumulated.

Bridging Loan

If you complete on your new home before you have sold your existing one, a bridging loan can help make sure you can pay your deposit, down payment or other expenses. It will provide flexibility to balance your transactions.

Home Assist Loan

If you are affected by the Urban Renewal Authority's redevelopment projects, you can get a short-term bridging loan to purchase a new home before you receive the full amount of cash compensation.

Car Park Loan

You can apply for a loan to buy a parking space, even if you're not purchasing the space at the same time as your home.

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

 

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

 

If you're eligible for the Tenants Purchase, Home Ownership or Secondary Market Schemes, we can help you buy your home.

 

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 onlly if you can repay!

Remarks

1 The maximum 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.

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.

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.