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Deposit-linked Mortgage

Deposit-linked Mortgage

Offset your mortgage interest with better rates on your savings.

Find out more about Deposit-linked Mortgage

Benefits

  • Lower your net interest expenses
  • Manage your wealth easily with separate mortgage and savings accounts

Earn the same interest rate you pay on your mortgage for a portion of savings - up to 50% of the outstanding balance on your mortgage.


HIBOR-based Mortgage


HIBOR-based Mortgage Plan

Base your mortgage interest rate on HIBOR to better reflect the local money market movement.

Find out more about HIBOR-based Mortgage

Benefits

  • Your interest rate will track the movement of the Hong Kong Interbank Offered Rate (HIBOR)1 and maximise your mortgage interest savings.
  • Get the protection of an interest rate cap based on our Best Lending Rate (BLR)2

Follow the movements of the money market more closely, as well as getting the extra protection of an interest rate cap.


HighAdvance Mortgage


HighAdvance Mortgage

Borrow more – up to 80% of your property’s value3.

Find out more about HighAdvance Mortgage

Benefits

  • Minimise capital requirements - instead of the typical 30% down payment, you could pay as little as 20%
  • Our straightforward application process includes personal assistance from HSBC

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


Investor Mortgage


Investor Mortgage

A loan designed to meet the unique needs of property investors.

Find out more about Investor Mortgage

Benefits

  • We’ll count rental income and assets return as sources of income when determining your mortgage terms
  • No annual reviews
  • A quick and simple application process

Maximise your potential for property investment.

Arrange to see one of our mortgage specialists

Request an appointment

By Phone

Call (852) 2748 8080(852) 2748 8080

At an HSBC Mortgage Centre or Branch

Find your nearest Mortgage Centre

Find your nearest branch

HSBC Personal Internet Banking customers

Use your Security Device to log on and apply

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HSBC customers without a Security Device

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Property valuation tool

Estimate the current value of a flat in major estates of Hong Kong with our simple address-based tool.

Home related loans

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

Repayment plan options

Own your home sooner and save on interest or repay less in the earlier years.

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.

Contact us

Arrange to see one of our mortgage specialists

Request an appointment

By phone

Call (852) 2748 8080(852) 2748 8080

At an HSBC Mortgage Centre or Branch

Find your nearest Mortgage Centre

Find your nearest branch

Tweet us

@HSBC_HK

Disclaimer Select to Expand Select to Collapse

1HIBOR means the Hong Kong Interbank Offered Rate for Hong Kong dollars quoted by the Hongkong and Shanghai Banking Corporation at or about 11.00 am (Hong Kong time) on the loan drawdown date or relevant interest re-fixing date. HIBOR as determined by the Hongkong and Shanghai Banking Corporation shall be conclusive.

2Best Lending Rate refers to the Hong Kong dollar Best Lending Rate quoted by Hongkong and Shanghai Banking Corporation from time to time.

3The 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 The Hong Kong Mortgage Corporation Limited and subject to their latest guideline. Regular salaried first time homebuyers with a maximum debt-to-income ratio of 45% may still be eligible for the maximum MIP cover of 90% LTV.