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Control your cash flow

With an HSBC mortgage you can choose from a range of repayment plans to fit your personal financial situation.


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Repayment plans to suit your needs

At HSBC, we offer a variety of flexible mortgage repayment plans to suit your needs. Own your home sooner and save on interest, or repay less in the earlier years. The choice is up to you! 

Repay fortnightly or monthly with either of the repayment plans:

Straight-line repayment

  • Benefit from fixed repayment amounts over the entire term of the loan.

Step-up repayment

  • Shorten your overall loan period by gradually increasing your repayment amounts at a fixed step-up rate.

How to apply

By Phone


HSBC Personal Internet Banking customers


If you're applying for an HSBC mortgage, you can choose your repayment plan during the application process when you log on using your Security Device / Mobile Security Key. If you already have a mortgage with HSBC you can adjust your repayment plan options when you log on.

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


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


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


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 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.