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YOUR MORTGAGE OPTIONS

Home mortgage loans

We offer a range of loan types to meet your unique financing needs.

  • Earn more on your savings with a deposit-linked mortgage
  • Our investor mortgages are designed to maximise wealth potential for property owners
  • Cut your down-payment expenses with a HighAdvance mortgage


Find out more


Government housing schemes

If you qualify for the Government Tenant Purchase, Home Ownership or Secondary Market Schemes, we can help you buy your new home.

  • Get a mortgage of up to 100% of your home’s value
  • Choose from loan periods of up to 25 years
  • Choose a repayment plan that works for you


Find out more


Home-related loans

Better manage your cash flow with loans to cover a variety of expenses.

  • Top up your current mortgage - up to 85% of your property's value - with an equity loan
  • Car park loans make it easier to buy parking for your new or current home
  • Enjoy more flexibility with a bridging loan


Find out more


Repayment plan options

Find terms that work for you with our variety of repayment plans.

  • Choose from a straight-line or step-up plan to suit your financial needs
  • Pay monthly or fortnightly - your choice - with any of our repayment plans


Find out more


How to Apply

Arrange to see one of our mortgage specialists

Request an appointment

By phone

Call (852) 2748 8080

At an HSBC branch

Find your nearest Branch

HSBC Personal Internet Banking customers

Use your Security Device to log on and apply

Log on

HSBC customers without a Security Device

Request an appointment

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.

Mortgage calculators

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

Rate information

Our mortgages on our Best Lending Rate (BLR).

Home related insurance

Protect your new home with policies that cover your home's structure against hazard, your belongings and more.


Help and Support

Contact us

Arrange to see one of our mortgage specialist

Request an appointment

By phone

Call (852) 2748 8080

At an HSBC branch

Find your nearest branch

 

Important information

FAQs

What documents do I need to provide when I apply for a mortgage?

You will normally need to provide the following documents when you submit your mortgage application.

For application under individual name(s)
Hong Kong ID Cards or passports of all borrowers (and guarantors, if any)
For a newly purchased property:
    Provisional or Formal Sale & Purchase Agreement
For refinancing an existing mortgage against a property you already own:
    repayment records from your existing mortgagee bank showing the last three months’ payments, AND;
    the repayment schedule for your existing mortgage, AND
    address proof for self-occupancy, if applicable
Bank statements showing your salary deposits for the last three months
Proof of your employment, which could be:
    your latest tax demand note, OR
    your latest employer’s tax return note, OR
    other income proof documents issued by your employer


For an application under the name of a shell company
Hong Kong ID Cards or passports of all guarantors
For a newly purchased property:
Provisional or Formal Sale & Purchase Agreement
For refinancing an existing mortgage against a property you already own:
repayment records from your existing mortgagee bank showing the last three months’ payments, AND;
the repayment schedule for your existing mortgage, AND
address proof for self-occupancy, if applicable
Bank statements showing each guarantor’s salary deposits for the last three months
Proof of each guarantor’s employment, which could be:
    the latest tax demand note, OR;
    the latest employer’s tax return note, OR;
    other income proof documents issued by the guarantor’s employer.
Business Registration Certificate or Certificate of Incorporation of the shell company
Minutes of meeting approving the mortgage application and indicating mortgagee bank, property address and loan amount